Introduction
On December 23, 2025, mortgage rates are holding steady across credit unions and national averages, offering a moment of calm for homebuyers and investors alike. If you’re eyeing a new home or refinancing, today’s lowest rate is 4.75% on a 15-year fixed purchase loan from Potlatch No 1 Financial, showing some pockets of opportunity in the market. Meanwhile, jumbo loan rates have ticked up slightly according to Zillow’s data, with the 30-year fixed jumbo rate rising by about 13 basis points over the past week. Inflation expectations remain stable, which could help keep borrowing costs from jumping further. Here’s what you need to know before locking in a rate to make your move count this holiday season.
New Purchase - VA 15 yrs Fixed
Lender
2025-12-23
(Current Day)
(Current Day)
2025-12-16
(7 Days Ago)
(7 Days Ago)
2025-12-08
(15 Days Ago)
(15 Days Ago)
2025-11-23
(30 Days Ago)
(30 Days Ago)
2025-11-08
(45 Days Ago)
(45 Days Ago)
2025-10-24
(60 Days Ago)
(60 Days Ago)
2025-09-24
(90 Days Ago)
(90 Days Ago)
2025-06-26
(180 Days Ago)
(180 Days Ago)
4.75%
4.63%
-12.5 bps
4.63%
-12.5 bps
4.75%
4.88%
+12.5 bps
4.63%
-12.5 bps
4.88%
+12.5 bps
4.88%
5.00%
+12.5 bps
5.00%
+12.5 bps
5.13%
+25 bps
5.00%
+12.5 bps
4.88%
5.00%
+12.5 bps
New Purchase - VA 30 yrs Fixed
Lender
2025-12-23
(Current Day)
(Current Day)
2025-12-16
(7 Days Ago)
(7 Days Ago)
2025-12-08
(15 Days Ago)
(15 Days Ago)
2025-11-23
(30 Days Ago)
(30 Days Ago)
2025-11-08
(45 Days Ago)
(45 Days Ago)
2025-10-24
(60 Days Ago)
(60 Days Ago)
2025-09-24
(90 Days Ago)
(90 Days Ago)
2025-06-26
(180 Days Ago)
(180 Days Ago)
5.25%
5.25%
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.25%
5.38%
+12.5 bps
AVADIAN CREDIT UNION
As of December 23, 2025, the 30-Year VA Fixed Purchase mortgage remains steady at a rate of 5.375% with 1.0 point. There has been no change over the past week or month, indicating stable yield spreads and consistent borrowing costs for veterans and active-duty service members seeking home financing. This stability supports predictable budgeting for those prioritizing long-term rate certainty. First-time veteran buyers and current homeowners should evaluate whether maintaining a fixed-rate mortgage aligns with their financial goals amid this unchanged environment. Members considering purchase loans may benefit from locking in rates now given the absence of downward movement. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.
CREDIT UNION 1 CREDIT UNION
On December 23, 2025, CREDIT UNION 1 reports steady mortgage rates for 15-year VA Loans and 30-year VA Loans purchase programs. The 15-year VA fixed rate remains at 5.125%, unchanged from both one week and one month ago, representing a stable cost of borrowing for veterans seeking shorter-term financing. Similarly, the 30-year VA fixed rate holds at 5.625%, with no movement over the past 7 or 30 days, maintaining consistent yield spreads in long-term financing options.
For veterans evaluating purchase loans, these static rates suggest predictable monthly payments without recent upward pressure on interest expenses. First-time buyers or those prioritizing payment stability might consider the 15-year VA Loan at 5.125%, the lowest rate available today, to reduce overall interest costs through accelerated repayment.
Given this rate environment, members should evaluate fixed-rate strategies aligned with their financial goals; refinancing is less urgent without rate decreases. Consider refinancing only if potential savings exceed associated costs.
For details, visit https://www.cu1.org/rates#real-estate-rates.
CREDIT UNION WEST CREDIT UNION
On December 23, 2025, 15-Year Fixed Purchase mortgage rates remain steady at 4.99%, unchanged from one week ago but down 13.5 basis points compared to 30 days prior. This reduction lowers the cost of borrowing for buyers favoring shorter loan terms and may enhance affordability for those seeking quicker equity build-up. Meanwhile, the 30-Year Fixed Purchase rate holds at 5.375%, stable over the past week with no recent changes reported for a 30-day period. The persistence of these yields suggests limited volatility in long-term fixed mortgage costs.
Members aiming for predictable payments might consider the 15-Year Fixed option due to its current favorable spread versus longer terms; those prioritizing lower monthly outlays may find the 30-Year Fixed appropriate despite higher overall interest. Evaluating refinancing strategies could be beneficial if savings surpass associated expenses.
For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
EDUCATORS CREDIT UNION
As of December 23, 2025, 15-year Fixed VA purchase loans hold the lowest rate at 5.125%, unchanged over the past 7 and 30 days. Similarly, the 30-year Fixed VA purchase loans remain steady at 5.625%, with no movement week-over-week or month-over-month. This stability in government-backed VA rates maintains predictable borrowing costs for veterans and active-duty service members seeking long-term financing options. For first-time buyers or those prioritizing payment consistency, these fixed-rate programs offer reliable yield spreads without increased rate volatility. Members should evaluate their mortgage strategy based on this rate steadiness; those considering refinancing might benefit if current rates align with their financial goals. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.
ENT CREDIT UNION
As of December 23, 2025, VA 15-Year Fixed Purchase loans offer the lowest rate at 5.0%, down 12.5 basis points from one week ago and a similar decline over the past month. This decrease reduces borrowing costs for veterans seeking shorter-term financing with stable payments. Meanwhile, the VA 30-Year Fixed Purchase rate stands at 5.625%, also down by 12.5 basis points both weekly and monthly, slightly easing long-term affordability for veterans planning extended repayment periods.
These modest yield improvements signal tightening in mortgage cost spreads, benefiting borrowers prioritizing predictable fixed rates. Members should assess whether locking in these stable rates aligns with their financial plans; particularly first-time buyers or those aiming to minimize interest expenses may find value here. Given current trends, consider evaluating your mortgage strategy to determine if fixed-rate options optimize your long-term cost structure.
For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
HANSCOM FEDERAL CREDIT UNION
As of December 23, 2025, HANSCOM reports stable mortgage rates for VA Fixed-Rate Purchase Loans. The 15-year VA fixed rate remains at 5.25%, unchanged from last week but down 12.5 basis points compared to 30 days ago. Similarly, the 30-year VA fixed rate holds steady at 5.875%, with no weekly change and a 12.5 basis point decline over the past month.
For veterans and active-duty buyers prioritizing predictability, these stable rates help maintain consistent borrowing costs. The modest monthly decrease in yields offers an opportunity to lock in favorable long-term financing terms. Members should evaluate their mortgage strategies accordingly; those seeking cost certainty might consider fixed-rate options, while others could explore refinancing if long-term savings surpass associated fees.
For details, visit https://www.hfcu.org/rates/mortgage-rates.html.
NAVY FEDERAL CREDIT UNION
As of December 23, 2025, the VA 15 Year Fixed Purchase mortgage remains stable at 5.00%, matching last week’s rate with no change in yield spreads. This consistency maintains borrowing costs for veterans seeking shorter-term financing. Conversely, the Military Choice 30 Year Fixed Purchase rate has decreased by 12.5 basis points from one week ago to 6.375%, offering a modest reduction in long-term cost for members pursuing extended terms. Over the past 30 days, this rate held steady, indicating recent market stabilization.
Members aiming for predictable payments may consider fixed-rate options like the VA 15 Year, while those prioritizing lower monthly obligations could evaluate the improved Military Choice 30 Year terms. Assess your mortgage strategy carefully; refinancing may be advantageous if potential savings outweigh associated fees.
For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of December 23, 2025, 15-Year Fixed Purchase mortgage rates have increased by 12.5 basis points, rising to 4.75%, matching the rate from 30 days ago. This slight uptick raises the cost of borrowing for buyers seeking shorter-term stability but remains the lowest available rate today. Meanwhile, the 30-Year Fixed Purchase rate holds steady at 5.25%, unchanged over the past week and down by 12.5 basis points compared to 30 days prior, reflecting improved yield spreads for long-term financing.
For members prioritizing predictability, the 15-Year Fixed option remains competitive despite recent increases. Those focused on long-term affordability may benefit from evaluating the consistent trend in the 30-Year Fixed rate. Given these dynamics, members should carefully assess their mortgage strategy and consider refinancing if potential savings outweigh associated costs.
For details, visit https://www.p1fcu.org/personal/mortgage-rates.
WHATCOM EDUCATIONAL CREDIT UNION
As of December 23, 2025, the 15-Year Fixed VA Purchase rate has decreased by 12.5 basis points, now at 4.875%, marking the lowest rate among today’s VA options and a notable 25 basis point drop compared to 30 days ago. This reduction improves affordability for veterans seeking shorter-term financing, lowering the overall cost of borrowing and monthly payments. Meanwhile, the 30-Year Fixed VA Purchase rate remains steady at 5.75%, unchanged over the past week but down 12.5 basis points from one month prior, offering consistent long-term financing costs.
For members prioritizing predictable payments and quicker loan payoff, the declining 15-year fixed rate may present advantageous refinancing or purchase opportunities. Conversely, those requiring longer terms should monitor stability in the 30-year rates when evaluating mortgage strategies.
Consider your financial goals carefully; with these yield spreads narrowing on shorter-term fixed VA loans, assessing fixed-rate options could optimize long-term savings.
For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of December 23, 2025, mortgage rates for 15-Year Fixed Rate Jumbo loans have increased to 6.323%, up by 2 basis points from yesterday and showing a notable rise of 23 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo remains stable at 6.388%, with no significant daily change. Both loan types reflect an upward trend over the past month, particularly the 15-Year Fixed Rate Jumbo, which has climbed by 26 basis points. Borrowers may face higher costs of borrowing as these rates continue to edge upwards, indicating a cautious approach is advisable when considering mortgage options in this environment.
Federal Reserve Economic Trends
Current breakeven inflation rates suggest stable inflation expectations, with the 10-year rate at 2.230% and the 5-year rate at 2.250%. These rates influence mortgage rates, which reflect borrowing costs; notably, the 30-year Jumbo average rate has seen a significant decrease of 6.42 points in just one day, making it more affordable for borrowers. Over the past week, this rate fell by 6.50 points, indicating a broader trend of declining borrowing costs that can enhance home affordability. Borrowers should closely monitor these changes as they impact overall financial planning; currently, the lowest mortgage rate available is 5.826% for the 30-year VA loan.
LendMesh
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Conclusion
As we head into the new year, it’s worth remembering that even small changes in mortgage rates can affect your monthly payments and total interest over time. For example, that quarter-point difference on a 15-year fixed loan could mean hundreds more or less each month. With rates largely steady but jumbo loans creeping higher, consider your loan options carefully, especially if you qualify for VA or other specialized programs that often offer competitive terms without points. Staying informed about inflation trends and local credit union offers can give you an edge in timing your application. Whether buying or refinancing, locking in a strong rate like Potlatch No 1 Financial’s 4.75% 15-year fixed could save you significant money down the road. Approach this decision with patience and clear financial goals to turn those numbers into lasting value for your home and future.