December 29, 2025 | Lowest Fixed Purchase Rate Steady at 4.50% Across Credit Unions

As of December 29, 2025, 15-Year Fixed Rate and 30-Year Fixed Rate mortgage purchase loans remain steady at 5.125% and 5.75%, respectively. There has been no change in rates over the past week or month, indicating stable yield spreads and borrowing costs for fixed-rate mortgages. This stability benefits buyers seeking predictable payment structures; first-time homebuyers may find the 15-Year Fixed Rate option appealing due to its lower interest rate and faster equity buildup. Meanwhile, the 30-Year Fixed Rate continues to offer longer-term affordability without increased rate risk.

Members should evaluate their mortgage strategies carefully, considering fixed-rate options if they value payment consistency amid current market conditions. For those weighing refinancing, unchanged rates suggest cost-benefit analysis is critical before proceeding.

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

As of December 29, 2025, ALOHA PACIFIC reports stable mortgage rates for key fixed-rate purchase loans. The 15 Year Conforming Fixed Purchase program holds steady at 4.5%, representing the lowest rate available today and unchanged over the past 7 and 30 days. Similarly, the 30 Year Conforming Fixed Purchase loan remains at 5.0%, with no movement in yield spreads recently.

For members prioritizing lower long-term borrowing costs, the 15-year fixed option at 4.5% offers a competitive rate with potential savings on interest over time. Meanwhile, first-time buyers or those seeking longer terms can consider the 30-year fixed at 5.0%, maintaining predictable payments amid stable market conditions.

Given these consistent rates, borrowers should evaluate their mortgage strategy carefully; consider fixed-rate products if stability is a priority, or review refinancing options when potential savings exceed associated costs.

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

As of December 29, 2025, the 30-year Fixed-Rate Mortgage for purchase remains steady at 4.75%, unchanged from one week ago but down by 25 basis points compared to 30 days prior. This reduction in yield spreads translates into a lower cost of borrowing for prospective homebuyers, improving affordability relative to last month. For first-time buyers, this stable rate environment supports predictable monthly payments and eases long-term financial planning. Members weighing mortgage options should consider fixed-rate products if stability is a priority amid market fluctuations. Given these trends, evaluating your mortgage strategy now could identify opportunities to lock in favorable terms or assess refinancing viability if closing costs are justified by potential savings. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of December 29, 2025, 15-Year Fixed Rate Purchase mortgages remain at 4.708%, unchanged over the past week and month, reflecting stable yield spreads and consistent borrowing costs for shorter-term fixed loans. Meanwhile, the 30-Year Fixed Rate Purchase mortgage holds steady at 5.5%, showing no change in the last seven or thirty days, maintaining its position as the higher-cost option due to longer-term risk factors.

This stability benefits buyers prioritizing predictable payments; first-time purchasers may find the 15-year fixed rate attractive for faster equity build-up without rate volatility. Conversely, those seeking longer amortization can rely on the unchanged 30-year fixed rate for manageable monthly obligations.

Members should consider locking in rates soon if they value payment certainty or evaluate refinancing options only if potential savings exceed closing costs given current rate steadiness. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

As of December 29, 2025, 15 Year Fixed Purchase mortgages hold the lowest rate at 4.75%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. Meanwhile, the 30 Year Fixed Purchase rate remains steady at 5.625%, also showing no weekly change and a similar 12.5 basis point decline over the past month. These shifts indicate a modest easing in borrowing costs for fixed-rate buyers, improving affordability especially for those targeting shorter-term commitments or longer amortizations.

Members considering long-term financing may find value in the stable yield spreads; first-time buyers could leverage lower rates on 15-year terms to reduce interest expense. Evaluating refinancing opportunities is advisable if potential savings exceed associated costs given these downward trends.

For details, visit https://fccu.org/rates/home-loan-rates.

As of December 29, 2025, mortgage rates at First Financial of Maryland remain steady across key fixed-rate products. The 15-Year Land Loan holds firm at 6.25%, unchanged over the past week and month, indicating stable borrowing costs for land acquisition. Similarly, the 30-Year Fixed Purchase loan stays at a competitive 5.875%, maintaining its position as the lowest rate in today’s offerings with no change from recent weeks.

For members prioritizing predictability, these consistent fixed rates support long-term planning without yield spread volatility. First-time buyers may find the 30-year term advantageous for manageable monthly payments, while land purchasers benefit from unchanged financing costs amid broader market fluctuations.

Given this stability, members should consider fixed-rate options if valuing payment certainty and evaluate refinancing strategies only if potential savings outweigh transaction expenses.

For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of December 29, 2025, 15 Year Fixed - Investor Purchase loans hold the lowest rate at 5.375% with 2.0 points, unchanged over the past week and month, indicating stable borrowing costs for members seeking shorter-term fixed options. The 30 Year Fixed - Investor Purchase remains steady at 6.0% with 2.0 points, also showing no change in the last 7 or 30 days. This stability suggests consistent yield spreads and predictable rate environments for investors and homebuyers alike.

For members prioritizing long-term affordability and rate certainty, locking in a 15-year fixed mortgage at 5.375% may reduce interest expense over time. Meanwhile, those opting for the 30-year fixed benefit from steady rates without recent upward pressure on costs. Given current trends, members should evaluate their mortgage strategy carefully; consider refinancing only if potential savings outweigh transaction expenses.

For details, visit https://www.hificu.com/loans/loans/mortgage.

As of December 29, 2025, the 30-year Fixed Rate Mortgage for home purchases is at a notably low 5.5% with 1.0 point, representing a significant decline of 75 basis points compared to one week ago and a substantial drop of 133 basis points relative to 30 days prior. This reduction in yield spreads lowers the overall cost of borrowing, providing potential savings over the loan term.

For first-time buyers and those seeking long-term stability, this rate environment favors locking in fixed payments amid recent volatility. Veterans and members considering refinancing may also find opportunities to reduce monthly obligations if they qualify for comparable fixed options.

Given these trends, members should evaluate their mortgage strategy carefully; those prioritizing payment predictability might consider fixed-rate loans, while others may assess refinancing viability if projected savings exceed transaction costs.

For details, visit https://www.sierracentral.com/borrow/real-estate-loans.

As of December 29, 2025, ST. MARY'S BANK reports stable mortgage rates for New Hampshire only fixed-rate purchase loans. The 15-Year Fixed rate remains steady at 5.50%, unchanged over the past week and month, representing a consistent borrowing cost for members seeking shorter-term financing. The 30-Year Fixed rate holds at 5.75%, also unchanged week-over-week and month-over-month, maintaining its position as the lowest available long-term fixed option. These static rates suggest minimal yield spread movement in the current market environment. For members prioritizing payment stability or planning new purchases, locking in these fixed rates may mitigate future interest rate volatility risk. Given steady rates, it is prudent to evaluate your mortgage strategy carefully; consider refinancing only if potential savings exceed associated costs.

For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

As of December 29, 2025, mortgage rates remain stable with no changes in yield spreads over the past week or month. Both the 15-Year Fixed Purchase and 30-Year Fixed Purchase loans hold steady at 5.14% and 5.73%, respectively. This stability maintains current borrowing costs for homebuyers, supporting predictable monthly payments for those prioritizing long-term financial planning.

For first-time buyers and homeowners focused on fixed-rate security, the unchanged rates suggest a consistent environment for evaluating purchase options without immediate pressure from rising costs. Veterans and refinancing applicants may find limited opportunities for cost reduction through rate shifts at this time.

Members should consider their mortgage strategy carefully: fixed-rate products provide certainty amid market steadiness, while those seeking to refinance should assess if potential savings outweigh transaction expenses. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of December 29, 2025, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo is currently at 6.331%, up by 6 basis points from yesterday and showing a 30-day increase of 3 basis points. In contrast, the 30-Year Fixed Rate Jumbo sits at 6.362%, experiencing a rise of 9 basis points in one day but a slight decrease of 3 basis points over the past week and a drop of 6 basis points in the last month. Borrowers should note that these fluctuations can impact overall borrowing costs, making it essential to stay informed about current trends to find competitive rates.

Inflation expectations, as reflected in the Breakeven Inflation Rates, indicate a stable outlook with both the 10-Year and 5-Year rates unchanged at 2.230% and 2.220%, respectively. This stability contributes to lower mortgage rates, which are crucial for borrowers assessing their financing options. Notably, the largest decline was observed in the Mortgage 30Yr Jumbo Average Rates, which fell by 6.52 points over the past week, highlighting significant fluctuations in borrowing costs. The current lowest rate available is for the Mortgage 30Yr Va Average Rates, providing potential opportunities for eligible borrowers. Monitoring these trends can inform strategic financial decisions regarding home financing in a shifting economic landscape.

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