December 30, 2025 | VA Fixed Mortgage Rates Drop to 4.625% | Best Credit Union Offer

As of December 30, 2025, Federal VA Loans for both 15-year and 30-year fixed purchase options show a modest improvement in borrowing costs compared to last week. The 15-year VA fixed rate stands at 5.125%, down by 12.5 basis points (bps) from seven days ago, representing the lowest rate currently available. Similarly, the 30-year VA fixed purchase rate is at 5.5%, also declining by 12.5 bps over the past week. Rates have remained stable compared to 30 days prior, indicating limited volatility in yield spreads.

For veterans and first-time buyers, these slight rate reductions may improve affordability and reduce monthly payments; however, prospective borrowers should weigh potential savings against closing costs when considering financing strategies. Given current trends, members valuing long-term payment stability might consider locking in these fixed rates now. Evaluating refinancing options remains prudent if anticipated savings exceed transaction expenses.

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

As of December 30, 2025, mortgage rates for 15-year and 30-year VA Loans remain unchanged from both one week and one month ago, holding steady at 5.125% and 5.625%, respectively. This stability in rates indicates no shift in yield spreads or cost of borrowing for veterans considering home purchases with these fixed-rate options. For first-time buyers or veterans evaluating purchase financing, the consistent rates support predictable monthly payments without volatility risk. Given the unchanged rate environment, members should assess whether fixed-rate terms align with their long-term financial plans or if refinancing could offer benefits should market conditions evolve. Consider analyzing your mortgage strategy carefully to ensure alignment with your financial goals.

For details, visit https://www.cu1.org/rates#real-estate-rates.

As of December 30, 2025, 15-year fixed purchase loans hold the lowest rate at 4.99%, unchanged over the past week and month, maintaining a stable cost of borrowing for members seeking shorter-term financing. The 30-year fixed purchase rate remains steady at 5.375%, with no change over the last seven days. This stability in yields suggests limited volatility in mortgage markets recently, allowing borrowers to plan with greater certainty. For first-time buyers prioritizing predictability, the consistent 15-year fixed rate offers an opportunity to lock in manageable payments and reduce total interest expense. Meanwhile, longer-term purchasers might assess whether the steady 30-year fixed rate aligns with their financial strategy. Members should consider their mortgage horizon carefully; if long-term stability is desired, fixed-rate options provide predictable costs amid market fluctuations. Evaluate refinancing only if potential savings exceed transaction costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of December 30, 2025, 15-year Fixed VA and 30-year Fixed VA purchase rates remain steady compared to last week, holding at 5.125% and 5.625%, respectively. Over the past 30 days, both have increased by 12.5 basis points, indicating a moderate upward trend in the cost of borrowing for veterans seeking fixed-rate mortgages. The 15-year Fixed VA offers the lowest rate today, which may appeal to members prioritizing shorter loan terms and reduced interest expense over time. For veterans considering home purchases, stable weekly rates provide an opportunity to evaluate fixed-rate options with predictable payment structures. Given recent increases month-over-month, members should assess their mortgage strategies carefully; those weighing refinancing might find it prudent to calculate potential savings against closing costs before proceeding.

For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of December 30, 2025, VA 15-Year Fixed Purchase rates stand at 5.0%, marking a decrease of 12.5 basis points from last week and maintaining the same yield as 30 days ago. This reduction lowers borrowing costs for veterans seeking shorter-term fixed options. Meanwhile, the VA 30-Year Fixed Purchase rate is at 5.625%, down 12.5 basis points over seven days and stable compared to one month prior, offering consistent long-term financing costs.

First-time buyers and veterans prioritizing predictable payments may find value in these rates; however, the unchanged 30-day trends suggest limited immediate savings from refinancing. Members should evaluate fixed-rate mortgages if they prefer payment stability or assess refinancing feasibility when potential cost reductions exceed associated fees.

For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

On December 30, 2025, 15-year VA fixed-rate purchase loans are offered at 5.125%, marking a decrease of 12.5 basis points from one week ago and holding steady compared to 30 days prior. Similarly, the 30-year VA fixed-rate purchase loans dropped by 12.5 basis points over the past week to 5.25%, with no change over the last month. These declines in yield spreads indicate a slight reduction in the cost of borrowing for veterans seeking to buy homes with VA financing. For veterans prioritizing predictable payments, locking in a 15-year VA fixed rate at 5.125% remains the lowest available option today. Members should consider these shifts when evaluating mortgage strategies, especially if planning long-term ownership or aiming to minimize interest expenses over time. For details, visit https://www.macu.com/rates/home.

As of December 30, 2025, VA 15 Year Fixed Purchase loans offer the lowest rate at 4.875%, down 12.5 basis points from one week ago and also lower by the same margin compared to one month prior. This decline reduces the cost of borrowing for veterans seeking shorter-term financing, potentially lowering monthly payments and total interest over the loan term. Meanwhile, the Military Choice 30 Year Fixed Purchase program stands at 6.25%, reflecting a 12.5 basis point decrease from last week but unchanged over the past 30 days, indicating stable long-term borrowing costs for eligible members preferring extended repayment terms.

Members considering purchase options should evaluate these recent yield spreads carefully; those prioritizing payment stability may find fixed-rate loans advantageous. Given current trends, assessing refinancing opportunities or locking in rates now could be prudent if projected savings outweigh associated costs.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of December 30, 2025, 15-Year Fixed Purchase mortgage rates have decreased by 12.5 basis points, settling at a competitive 4.625%, the lowest rate available today. This reduction lowers the cost of borrowing for buyers seeking shorter-term fixed options, potentially benefiting those aiming to build equity faster or minimize total interest paid. Meanwhile, the 30-Year Fixed Purchase rate remains steady at 5.25%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior, maintaining a stable yield spread for longer-term financing.

Members considering home purchases should weigh the benefits of locking in these lower fixed rates, especially if they prioritize payment stability over time. Given current trends, evaluating refinancing opportunities with a fixed-rate loan may be advantageous if projected savings exceed associated costs.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of December 30, 2025, VA 15-Year Fixed Purchase loans maintain the lowest rate at 4.875%, unchanged from one week ago and stable over the past month. This steady yield offers veterans and active-duty buyers a consistent borrowing cost for shorter-term financing. Conversely, the VA 30-Year Fixed Purchase rate has decreased by 12.5 basis points compared to last week, now at 5.625%, though it remains 12.5 basis points higher than 30 days ago, indicating recent volatility in longer-term fixed rates.

For members prioritizing predictable payments, the stable 15-year VA fixed rate supports budget certainty. Meanwhile, those considering longer terms should monitor market fluctuations closely, as minor rate shifts can impact total interest paid over time. Evaluate refinancing options if current rates provide meaningful savings beyond closing costs.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of December 30, 2025, mortgage rates are mixed for 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo is currently at 6.350%, down by 0.06 basis points from yesterday, while the 30-Year Fixed Rate Jumbo sits at 6.368%, a decrease of 0.04 basis points in the same timeframe. Over the past month, the 30-Year Fixed Rate Jumbo has decreased by 0.06 basis points, indicating a slight easing in borrowing costs for prospective homeowners. Borrowers should consider these fluctuations when evaluating their options, as even small changes can impact overall loan affordability.

Recent data reveals that breakeven inflation rates remain relatively stable, with the 10-year rate at 2.220% and the 5-year rate slightly higher at 2.230%. This stability suggests a cautious outlook on inflation, which typically influences mortgage rates and borrowing costs. The most significant shifts occurred in the Mortgage 30Yr Jumbo Average Rates, which dropped by 6.37 points over one day, reflecting a broader downward trend in mortgage rates over the last month. Borrowers may find opportunities as these rates, including the lowest recorded of 5.753% for 30-Year VA loans, present favorable conditions for securing financing. Monitoring these trends is essential for informed financial decisions.

Homeownership can feel complicated, but with the right support, it becomes an exciting adventure. At LendMesh, we’ve created a one-stop platform for comparing mortgage rates, learning about loan options, and connecting with banks and credit unions that value your future. Our resources are written by real advisors who care about your goals, making it easier to ask questions and get clear, honest answers. No matter where you are in your homebuying journey, you’re welcome to start at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh is here to make home financing smarter, safer, and more personal—every single day.