Introduction
On January 5, 2026, mortgage rates held steady across most credit unions, offering homebuyers and investors a moment to catch their breath. While the market shows little movement this week, there’s a silver lining for those seeking lower borrowing costs. The lowest rate today is a 4.5% 15-year fixed conforming loan at Aloha Pacific Credit Union, providing a great option for buyers wanting to pay off their home faster without stretching payments too thin. Jumbo loans tracked by Zillow dipped slightly, with the 30-year fixed jumbo rate easing to 6.297%, signaling some relief for high-value property buyers. Inflation expectations nudged up modestly according to Federal Reserve data but remain manageable. Here’s what you need to know before locking in a rate that fits your financial goals.
New Purchase - Conventional 15 yrs Fixed
Lender
2026-01-05
(Current Day)
(Current Day)
2025-12-29
(7 Days Ago)
(7 Days Ago)
2025-12-21
(15 Days Ago)
(15 Days Ago)
2025-12-06
(30 Days Ago)
(30 Days Ago)
2025-11-21
(45 Days Ago)
(45 Days Ago)
2025-11-06
(60 Days Ago)
(60 Days Ago)
2025-10-07
(90 Days Ago)
(90 Days Ago)
New Purchase - Conventional 30 yrs Fixed
Lender
2026-01-05
(Current Day)
(Current Day)
2025-12-29
(7 Days Ago)
(7 Days Ago)
2025-12-21
(15 Days Ago)
(15 Days Ago)
2025-12-06
(30 Days Ago)
(30 Days Ago)
2025-11-21
(45 Days Ago)
(45 Days Ago)
2025-11-06
(60 Days Ago)
(60 Days Ago)
2025-10-07
(90 Days Ago)
(90 Days Ago)
5.63%
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
5.88%
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
6.00%
+12.5 bps
AFFINITY FEDERAL CREDIT UNION
As of January 5, 2026, mortgage rates at AFFINITY remain stable with no changes in the past week or month. The 15-Year Fixed Rate Purchase holds steady at 5.125%, representing the lowest rate among today’s offerings. Meanwhile, the 30-Year Fixed Rate Purchase remains at 5.75%, unchanged over recent periods. This stability in yield spreads suggests consistent borrowing costs for homebuyers seeking fixed-rate terms.
For members prioritizing predictable payments and long-term planning, the unchanged 15-Year Fixed Rate offers an attractive option to build equity faster with lower interest expenses compared to longer terms. First-time buyers can evaluate these fixed rates against their financial goals, while those considering refinancing should monitor market shifts to time cost-effective moves.
Given current rates, members may consider fixed-rate mortgages for stability; evaluating refinancing options is advisable when potential savings exceed transaction costs. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.
ALOHA PACIFIC FEDERAL CREDIT UNION
As of January 5, 2026, ALOHA PACIFIC reports stable mortgage rates for key loan products. Both the 15 Year Conforming Fixed Purchase and the 30 Year Conforming Fixed Purchase loans remain unchanged at 4.5% and 5.0%, respectively. The absence of rate movement over the past 7 and 30 days indicates a steady cost of borrowing, maintaining current yield spreads.
For members prioritizing lower monthly payments with longer terms, the 30-year fixed at 5.0% reflects consistent market conditions. Meanwhile, those seeking accelerated equity accumulation can consider the 15-year fixed, holding at the lowest rate of 4.5% among today’s offerings.
With no recent rate fluctuations, members should assess their mortgage strategy by evaluating fixed-rate options for stability or reviewing refinancing opportunities if potential savings outweigh associated costs.
For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.
COAST CENTRAL CREDIT UNION
On January 5, 2026, the 30-year Fixed-Rate Mortgage for purchase loans remains steady at 4.75%, unchanged from both one week and one month ago. This stability in rates means the cost of borrowing has not fluctuated recently, providing predictable yield spreads for buyers. For first-time homebuyers, maintaining a fixed rate at this level supports consistent monthly payments without exposure to interest volatility. Veterans and refinancing borrowers should note that government-backed options are not currently listed, emphasizing focus on conventional fixed-rate products. Given no recent upward pressure on rates, members may benefit from evaluating their mortgage strategies under stable conditions. Consider fixed-rate options if you value payment consistency, and assess refinancing only if potential savings clearly exceed associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
FAMILY TRUST FEDERAL CREDIT UNION
As of January 5, 2026, Family Trust reports stable mortgage rates with no changes over the past week or month. The 15-Year Fixed Rate Purchase remains at a competitive 4.708%, representing the lowest yield among today’s options. The 30-Year Fixed Rate Purchase holds steady at 5.5%. These unchanged rates suggest consistent borrowing costs for members seeking long-term financing solutions.
For buyers prioritizing predictable monthly payments and shorter loan terms, the 15-Year Fixed Rate offers a lower yield spread and may reduce overall interest expenses despite higher monthly obligations. Conversely, the 30-Year Fixed Rate supports affordability through extended amortization but involves greater total interest outlay.
Members should evaluate their mortgage strategy considering these stable rates; those aiming to lock in long-term certainty might consider fixed-rate options, while others may assess if refinancing aligns with their financial goals. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.
FIRST COMMUNITY CREDIT UNION
As of January 5, 2026, FIRST COMMUNITY reports stable mortgage rates for key loan products. The 15 Year Fixed Purchase rate remains at a competitive 4.75%, showing no change from last week and a modest decline of 12.5 basis points compared to 30 days ago. Similarly, the 30 Year Fixed Purchase rate holds steady at 5.625%, unchanged over the past week and down by 12.5 basis points month-over-month.
These yield spreads indicate a slight easing in borrowing costs over the past month, which can benefit members seeking long-term financing stability or planning home purchases. First-time buyers may find the lower 15-year fixed rate attractive for faster equity build-up, while those preferring longer terms retain access to consistent 30-year fixed pricing.
Members should consider their financial horizon; fixed-rate options offer predictable payments amid market fluctuations. Evaluating refinancing opportunities remains prudent when potential savings exceed transaction costs.
For details, visit https://fccu.org/rates/home-loan-rates.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of January 5, 2026, mortgage rates at First Financial of Maryland remain stable across key fixed-rate products. The 15-Year Land Loan holds steady at 6.25%, unchanged over the past week and month, indicating consistent borrowing costs for land purchases. Similarly, the 30-Year Fixed Purchase loan maintains its position as the most affordable option with a rate of 5.875%, showing no movement in recent weeks.
For members prioritizing predictable payments, especially first-time buyers or those acquiring land, these steady rates support budget certainty without added yield spread risk. Veterans and refinancing borrowers should monitor shifts but note that current pricing signals no immediate advantage in refinancing strategies.
Given this environment, members might consider fixed-rate options if stability is essential; evaluate refinancing only if anticipated savings surpass transaction costs. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
SAN FRANCISCO FIRE CREDIT UNION
As of January 5, 2026, High Balance Fixed Purchase Mortgages remain steady with the 15-year term at 5.50% and the 30-year term at 5.75%, both unchanged over the past week and month. These stable rates indicate no increase in borrowing costs for members seeking high balance loans, maintaining consistent yield spreads for long-term planning. For borrowers prioritizing lower monthly payments and longer amortization, the 30-year fixed at 5.75% represents the lowest available rate today. Meanwhile, those aiming to reduce interest expense over time might consider the 15-year fixed at 5.50%.
Members should evaluate their mortgage strategy in light of these flat rates; locking in a fixed-rate product offers predictability amid broader market volatility. First-time buyers and those managing larger loan amounts can benefit from understanding these stable cost structures when planning purchases or refinancing decisions. Consider your financial horizon carefully, refinancing may be advantageous if potential savings exceed transaction costs.
For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.
SIERRA CENTRAL CREDIT UNION
As of January 5, 2026, the 30-Year Fixed Rate Mortgage for purchase remains stable at 5.5% with 1.0 point, unchanged over the past week but down 12.5 basis points compared to 30 days ago. This steady yield spread supports consistent borrowing costs for long-term homebuyers seeking rate predictability. Meanwhile, the 15-Year Fixed Mortgage holds at 6.5% with 1.0 point, unchanged week-over-week; however, its rate reflects a notable increase from 15 days prior, indicating tighter cost conditions for shorter-term financing.
Members prioritizing payment stability may find value in the 30-year fixed option’s lower and stable rates, while those targeting faster equity buildup should evaluate if the current higher 15-year rates align with their financial goals. Given these trends, consider reviewing your mortgage strategy to balance term length against total interest expense. For details, visit https://www.sierracentral.com/borrow/real-estate-loans.
ST. MARY'S BANK CREDIT UNION
As of January 5, 2026, the NH Only 15-Year Fixed Purchase mortgage rate stands at a competitive 5.5%, marking a notable 50 basis point decrease from one week ago. This reduction lowers the cost of borrowing for buyers seeking shorter-term fixed options, potentially benefiting those aiming to build equity faster. The NH Only 30-Year Fixed Purchase rate has increased by 12.5 basis points to 5.875%, representing a modest rise over the past week and month; this may slightly increase monthly payments for long-term borrowers.
Members considering home purchases should weigh the trade-off between stable, lower rates on 15-year terms versus slightly higher but longer-term stability with 30-year loans. Given current trends, first-time buyers may find value in fixed-rate products that align with their financial horizon. Evaluating refinancing options remains advisable when rate drops exceed associated costs.
For details, visit https://www.stmarysbank.com/rates/mortgage-rates.
VANTAGE CREDIT UNION
As of January 5, 2026, 15-year fixed purchase mortgages are at a notably lower rate of 4.75%, down 39 basis points from last week and the same decline over the past 30 days. This reduction in yield spreads improves borrowing costs for buyers prioritizing quicker loan payoff and interest savings. The 30-year fixed purchase rate stands at 5.50%, a decrease of 23 basis points over both the week and month, offering more affordable long-term financing options.
Members aiming for stability may find the 15-year fixed advantageous due to its historically lower rates; meanwhile, those seeking manageable monthly payments could evaluate the reduced cost on the 30-year fixed. Given these trends, borrowers should assess their mortgage strategy carefully, consider fixed-rate products if predictability is essential or explore refinancing opportunities when potential savings surpass associated costs.
For details, visit https://www.vcu.com/rates#mortgage-rates.
Zillow National Average
As of January 5, 2026, mortgage rates have generally decreased, with the 15-Year Fixed Rate Jumbo now at 6.167%, down 24 basis points from yesterday and 24 basis points over the past week. The 30-Year Fixed Rate Jumbo stands at 6.297%, reflecting a decline of 35 basis points in just one day and a slight increase of 4 basis points over the last 60 days. These adjustments indicate a more favorable borrowing environment, potentially lowering the cost of borrowing for homeowners considering these products. Borrowers may find it advantageous to reassess their options in light of these shifting rates, particularly given the notable decrease in the 15-Year Fixed Rate Jumbo over the past week.
Federal Reserve Economic Trends
As of January 5, 2026, breakeven inflation rates indicate stable inflation expectations, with the 10-year rate at 2.250% and the 5-year rate at 2.280%. These stable expectations can influence mortgage rates, which are crucial for borrowers. Notably, the Mortgage 30Yr Jumbo Average Rates experienced a significant decline of 6.49 points over the past week, with a current lowest reported rate of 0.000%. This trend aligns with broader signals in the yield curve that suggest easing borrowing costs. Borrowers should closely monitor these fluctuations to make informed decisions about financing options and manage their overall debt effectively.
LendMesh
Picture this: You’re ready to buy a home, but you’re not sure where to start. Maybe you’re worried about the rates, or confused by all the mortgage jargon out there. At LendMesh, we believe good guidance can change everything. That’s why we’ve built an online hub where real people—just like you—can find honest advice, real-time rate comparisons, and connections to local credit unions and banks that actually care. Whether you’re mapping out a long-term plan or looking for a quick pre-approval, we’ve got resources designed to make each step clearer. Take a moment today to visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your next chapter could start with a single click, and we’ll be here to guide you through it.
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Conclusion
As you consider your next move in today’s mortgage landscape, remember that even small shifts in rates can shape your long-term financial picture. The stability seen in credit union offerings means you can plan confidently without rushing decisions. Choosing a lower-rate 15-year fixed loan, like the one from Aloha Pacific at 4.5%, could save thousands in interest and shorten your mortgage timeline significantly compared to longer terms at higher rates. For those eyeing jumbo properties, the slight dip noted by Zillow suggests a good time to explore options while rates remain competitive. Keep an eye on inflation trends; rising expectations may eventually influence borrowing costs. Ultimately, weigh your comfort with monthly payments against total interest paid over time, balancing these will help you make smart choices that protect both your budget and future equity growth.