December 8, 2025 | Fixed-Rate Mortgage Hits 2.75% | Record Low in Credit Unions

As of December 8, 2025, fixed-rate mortgage yields for purchase loans remain stable with the 15-Year Fixed Rate at 5.125% and the 30-Year Fixed Rate at 5.75%, showing no change over the past week or month. These steady yields indicate no shift in borrowing costs for members considering home purchases. The 15-year fixed option offers the lowest rate, which can benefit buyers seeking shorter-term financing with potentially lower total interest expense. For first-time buyers prioritizing predictable payments, these unchanged rates provide clarity for budgeting. Meanwhile, those evaluating long-term affordability should weigh the trade-off between monthly payment size and total interest paid. Members are encouraged to review their mortgage horizon carefully; consider fixed-rate options if you value stability and plan accordingly based on current yield spreads.

For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of December 8, 2025, ALOHA PACIFIC members will find stable mortgage rates across key purchase loan options. The 15 Year Conforming Fixed rate remains steady at 4.5%, unchanged over the past 7 and 30 days, reflecting no movement in yield spreads or borrowing costs for shorter-term fixed loans. Similarly, the 30 Year Conforming Fixed purchase rate holds firm at 5.0%, with zero basis point change in the last week and month. This stability benefits buyers seeking predictable payments and supports consistent budgeting strategies. For first-time homebuyers prioritizing lower monthly obligations, the 30-year fixed offers a reliable benchmark. Given these unchanged rates, members should consider fixed-rate options if they value payment stability and regularly evaluate refinancing to optimize long-term cost efficiency.

For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On December 8, 2025, 30-year Fixed-Rate Mortgages for home purchases at Coast Central are offered at a notable low of 4.75%, down 25 basis points from both one week and one month ago. This decline in yield spreads reduces the overall cost of borrowing, potentially improving affordability for first-time buyers locking in long-term stability. Veterans and other members considering fixed-rate options may find this an opportune moment to evaluate their mortgage strategy amid declining rates. While refinancing is not reflected in today’s data, members should assess if locking this rate supports their financial goals. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of December 8, 2025, FAMILY TRUST reports stable mortgage rates for purchase loans. The 15-Year Fixed Rate remains at a consistent 4.708%, unchanged over the past week and month. This rate represents the lowest yield spread among today's offerings, benefiting borrowers seeking shorter-term financing with predictable payments. Meanwhile, the 30-Year Fixed Rate holds steady at 5.5%, with no movement over the last 7 or 30 days, reflecting a flat cost of borrowing for longer-term commitments.

For first-time buyers or those prioritizing payment stability, the unchanged 15-Year Fixed Rate may offer an efficient path to equity accumulation. Conversely, buyers requiring extended terms should note the steady 30-Year Fixed Rate supports long-term budgeting without immediate rate volatility.

Given this rate environment, members might consider fixed-rate options if they value predictability or evaluate refinancing when potential savings exceed associated costs. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

On December 8, 2025, mortgage rates at FIRST COMMUNITY remain stable with no changes over the past week or month. The 15 Year Fixed Purchase loan holds the lowest rate at 4.875%, unchanged from both 7 and 30 days ago, maintaining a favorable cost of borrowing for members seeking shorter-term financing. Meanwhile, the 30 Year Fixed Purchase loan stays steady at 5.75%, reflecting consistent yield spreads for long-term financing options.

For first-time buyers or those prioritizing predictable payments, the stable 15-year fixed rate offers a competitive option to build equity faster. Longer-term borrowers should note the unchanged 30-year fixed rate, allowing for budget certainty amid current market conditions.

Members are encouraged to evaluate their mortgage strategies with these steady rates in mind; consider fixed-rate options if you value payment stability or assess refinancing only if potential savings outweigh associated costs. For details, visit https://fccu.org/rates/home-loan-rates.

As of December 8, 2025, mortgage rates remain stable for both the 15-Year Land Loan and the 30-Year Fixed Purchase programs at 6.25% and 5.875%, respectively. These rates show no change over the past 7 and 30 days, indicating steady yield spreads and consistent cost of borrowing in these segments. For homebuyers prioritizing lower monthly payments and long-term stability, the 30-Year Fixed Purchase offers the lowest rate currently available. Meanwhile, land purchasers benefit from a fixed rate that has held firm despite higher rates seen two months ago. Members should consider locking in these rates if they value predictability; first-time buyers might favor the longer term for affordability, while land investors can assess project timelines against financing costs. For actionable planning, evaluate your mortgage strategy based on current rate stability and projected market trends. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of December 8, 2025, 15-Year Fixed Purchase mortgage rates have increased by 12.5 basis points, reaching 5.0% with 1.75 points, the lowest rate available today. This uptick raises the cost of borrowing for buyers prioritizing shorter-term fixed commitments. Conversely, the 30-Year Conventional Purchase rate decreased by 25 basis points over the past week to 5.625% with 2.0 points, offering a more affordable option for borrowers seeking long-term stability and lower monthly payments.

For members weighing mortgage options, those valuing predictability might consider the 15-Year Fixed despite its slight rise, while prospective homeowners aiming to optimize cash flow should evaluate the recent decline in the 30-Year Conventional yield spread. Monitoring these shifts supports informed decisions about purchase timing and loan structuring.

Consider reviewing your mortgage strategy regularly; refinancing may be advantageous if projected savings exceed associated costs. For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.

As of December 8, 2025, the Super Conforming 15 Year Fixed Purchase mortgage remains at a competitive 5.125% with minimal change over the past week, holding steady with no basis point increase and a modest decrease of 12.5 basis points compared to 30 days ago. This sustained lower yield benefits borrowers seeking shorter-term fixed-rate stability, potentially reducing total interest costs over time.

Meanwhile, the Super Conforming 30 Year Fixed Purchase rate holds firm at 5.75%, unchanged both week-over-week and month-over-month. Borrowers prioritizing long-term payment predictability face steady borrowing costs amid stable yield spreads.

For members weighing purchase options, these rate trends suggest that those valuing lower monthly payments might consider the 30-year fixed despite its higher rate; meanwhile, buyers aiming to minimize overall interest expense could find the 15-year fixed more advantageous given its recent decline.

Evaluate your mortgage strategy carefully; consider fixed-rate terms if stability is key or assess refinancing only if potential savings outweigh associated costs. For details, visit https://www.sdfcu.org/rates#mortgages-block.

As of December 8, 2025, 15-Year Fixed Rate Purchase loans offer the lowest mortgage rate at 2.75%, marking a significant decline of 275 basis points compared to one week ago and 30 days prior. Similarly, the 30-Year Fixed Rate Purchase loans stand at 3.25%, also down by 275 basis points over the past week and month. These substantial yield spread compressions reduce the cost of borrowing notably for homebuyers locking in fixed rates. First-time buyers and those seeking long-term payment stability benefit from these historically low fixed rates, while veterans or refinancing borrowers should assess current offers aligned with their financial goals. Members are advised to evaluate their mortgage strategy carefully; consider fixed-rate options if prioritizing predictability or explore refinancing opportunities when potential savings outweigh associated costs. For details, visit https://umcu1.mortgagewebcenter.com/responsive/#/ApplyNow.

On December 8, 2025, VANTAGE reports stable mortgage rates across purchase loans. The 15-Year Fixed Purchase rate remains steady at 5.14%, holding the lowest yield among available options. Similarly, the 30-Year Fixed Purchase rate is unchanged at 5.73%, reflecting no movement over the past week or month. These static yields indicate no immediate increase in borrowing costs for members seeking long-term fixed-rate stability. First-time buyers and those prioritizing predictable payments may find value in locking current rates. Given the absence of rate shifts, members should evaluate their mortgage strategies carefully; those considering refinancing should assess whether potential savings outweigh associated fees. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of December 8, 2025, U.S. mortgage rates show a mixed trend for jumbo loans. The 15-Year Fixed Rate Jumbo is currently at 6.195%, up by 1 basis point from yesterday but down 54 basis points compared to 180 days ago. Conversely, the 30-Year Fixed Rate Jumbo has decreased slightly to 6.300%, down by 26 basis points over the past day and showing a modest increase of 5 basis points over the last month. Borrowers should note that these fluctuations indicate ongoing market adjustments, impacting the overall cost of borrowing; thus, careful consideration of loan timing may be beneficial.

Current inflation expectations, as indicated by the Breakeven Inflation Rates, show slight changes, with the 10-Year rate at 2.260% and the 5-Year rate at 2.340%. These inflation forecasts significantly influence mortgage rates, impacting borrowing costs. Recently, the most substantial shifts were observed in the Mortgage 30Yr Jumbo Average Rates, which decreased by 6.36 points today, reflecting a broader trend of falling rates over various periods; notably, it dropped by 6.46 points over the past 30 days. Borrowers should take note that while current rates remain high, the lowest recorded is 5.755% for the 30-Year VA Average Rate, suggesting potential opportunities for refinancing or new mortgages amidst fluctuating market conditions.

A mortgage isn’t just a loan—it’s a stepping stone to a new beginning. At LendMesh, we know every decision matters, from choosing the right lender to locking in a rate that fits your goals. That’s why our platform was built to give you real options, not just the lowest rates but also trusted advice and lender partnerships that value your long-term success. With LendMesh, you can compare offers from leading credit unions and banks side by side, get answers to the questions you didn’t even know to ask, and find support every step of the way. Take control of your homebuying journey by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . Let’s make your dream home a reality—together.