Introduction
On January 30, 2026, mortgage markets show a steady pace with some pockets of opportunity for savvy homebuyers and refinancers. While many credit unions hold their rates firm, Connexus offers a slight dip in its 30-year fixed refinance rate to 6.0%, down 12.5 basis points from last week. Zillow’s jumbo loan rates also edged lower, with the 30-year fixed jumbo rate slipping to 6.222%. Meanwhile, the Federal Reserve’s inflation outlook nudges up slightly but keeps long-term borrowing costs relatively stable. If you’re thinking about locking in a mortgage, here’s what you need to know before making your move, especially if you want to capitalize on today’s lowest rate: 4.0% for a 15-year fixed conforming refinance at EECU.
Refinance - Conventional 15 yrs Fixed
Lender
2026-01-30
(Current Day)
(Current Day)
2026-01-23
(7 Days Ago)
(7 Days Ago)
2026-01-15
(15 Days Ago)
(15 Days Ago)
2025-12-31
(30 Days Ago)
(30 Days Ago)
2025-12-16
(45 Days Ago)
(45 Days Ago)
2025-12-01
(60 Days Ago)
(60 Days Ago)
2025-11-01
(90 Days Ago)
(90 Days Ago)
2025-08-03
(180 Days Ago)
(180 Days Ago)
5.38%
5.38%
5.38%
5.50%
+12.5 bps
5.50%
+12.5 bps
5.50%
+12.5 bps
5.50%
+12.5 bps
5.75%
+37.5 bps
5.00%
5.00%
4.88%
-12.5 bps
5.00%
5.13%
+12.5 bps
5.13%
+12.5 bps
5.13%
+12.5 bps
Refinance - Conventional 30 yrs Fixed
Lender
2026-01-30
(Current Day)
(Current Day)
2026-01-23
(7 Days Ago)
(7 Days Ago)
2026-01-15
(15 Days Ago)
(15 Days Ago)
2025-12-31
(30 Days Ago)
(30 Days Ago)
2025-12-16
(45 Days Ago)
(45 Days Ago)
2025-12-01
(60 Days Ago)
(60 Days Ago)
2025-11-01
(90 Days Ago)
(90 Days Ago)
2025-08-03
(180 Days Ago)
(180 Days Ago)
5.88%
5.88%
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
6.00%
+12.5 bps
6.00%
+12.5 bps
6.50%
+62.5 bps
6.00%
6.13%
+12.5 bps
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.13%
+12.5 bps
6.13%
+12.5 bps
6.75%
+75 bps
AFFINITY PLUS FEDERAL CREDIT UNION
As of January 30, 2026, 15-Year Fixed-Rate Conventional Refinance loans hold the lowest rate at 5.375%, unchanged over the past week but down 12.5 basis points from 30 days ago. Similarly, the 30-Year Fixed-Rate Conventional Refinance option remains steady at 5.875%, also reflecting a 12.5 basis point decrease month-over-month. These stable yields suggest modest easing in borrowing costs compared to last month, benefiting members seeking to reduce long-term interest expenses through refinancing. Borrowers prioritizing payment stability may find fixed-rate terms advantageous amid current market conditions. Members should evaluate if refinancing could lower their overall costs by comparing these rates against their existing loan terms and consider locking in rates before potential future shifts.
For details, visit https://www.affinityplus.org/rates/mortgage-rates.
BROADVIEW FEDERAL CREDIT UNION
On January 30, 2026, the 30-Year Fixed Refinance mortgage rate remains steady at 6.0%, unchanged from both one week and one month ago. This stability indicates no recent upward pressure on borrowing costs for homeowners looking to refinance. For members considering refinancing, this consistent yield spread suggests a predictable cost of borrowing without volatility over the past 30 days. First-time buyers or those seeking long-term payment certainty may find evaluating fixed-rate options beneficial in this environment. Given the absence of rate fluctuations, members should assess whether refinancing could reduce overall interest expenses relative to closing costs. For details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/refinance-and-save/.
CONNEXUS CREDIT UNION
As of January 30, 2026, 15-year fixed refinance rates remain steady at 5.5%, showing no change over the past week and month. This stability maintains a relatively lower yield spread compared to longer terms, benefiting borrowers aiming for accelerated equity build-up with predictable payments. Conversely, the 30-year fixed refinance rate has decreased by 12.5 basis points, now at 6.0%, marking a notable decline from both seven and thirty days ago. This reduction in the cost of borrowing enhances affordability for members seeking extended payment periods or lower monthly obligations.
For homeowners evaluating refinancing strategies, these movements suggest a favorable environment to reconsider loan terms aligned with financial goals. Consider fixed-rate options if you prioritize payment certainty; evaluate refinancing if potential long-term savings exceed associated costs. For details, visit https://www.connexuscu.org/loans/mortgage-refinance.
DELTA COMMUNITY CREDIT UNION
As of January 30, 2026, Fixed 15-year refinance loans maintain the lowest rate at 4.875%, unchanged over the past 7 and 30 days, providing a stable borrowing cost for members seeking shorter-term debt reduction. Meanwhile, Fixed 30-year refinance rates hold steady at 5.5%, reflecting no weekly change but a 12.5 basis point increase over the last month, indicating a modest rise in long-term yield spreads.
For members considering refinancing, these data suggest that locking in a 15-year fixed rate may offer cost predictability and lower overall interest expense. Conversely, those opting for a 30-year fixed loan should evaluate if the recent upward trend affects their long-term affordability. Overall, consider your mortgage strategy based on term preference and sensitivity to rate fluctuations; refinancing remains advisable when potential savings outweigh closing costs.
EECU CREDIT UNION
As of January 30, 2026, the 15 Year Fixed Conforming Refinance rate remains steady at 4.00%, unchanged from one week ago and consistent with the rate six months prior. This stability in yield spreads suggests a consistent cost of borrowing for members seeking to refinance under this program. For borrowers prioritizing predictable payments and shorter loan terms, maintaining the current fixed rate can support clearer budgeting without exposure to market fluctuations. Given the unchanged rate environment, members should evaluate their refinancing options based on potential long-term savings versus upfront costs. Consider fixed-rate refinances if you value payment stability and want to lock in existing rates without added risk. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/refinance.
FIRST COMMUNITY CREDIT UNION
As of January 30, 2026, 15 Year Fixed Refinance rates have increased by 25 basis points, reaching 4.875%, marking the lowest rate available today. This uptick reflects a modest rise in the cost of borrowing for homeowners seeking shorter-term refinancing options, potentially impacting monthly payment reductions for those aiming to pay off loans faster. Meanwhile, 30 Year Fixed Refinance rates hold steady at 5.625%, unchanged from 30 days ago but up 12.5 basis points compared to last week. This stability may benefit borrowers prioritizing long-term fixed payments despite higher initial yields.
Members should consider fixed-rate options if they value payment predictability amid these shifts. For those refinancing, evaluating whether potential savings outweigh upfront costs remains essential given recent yield spread adjustments. For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.
LANGLEY FEDERAL CREDIT UNION
As of January 30, 2026, LANGLEY credit union reports stable mortgage rates for refinance options. The 30-year Fixed Refinance rate remains steady at 4.99%, matching the rate from both one week and one month ago, indicating no change in borrowing costs over these periods. Similarly, the 15-year Fixed Refinance rate holds firm at 5.00%, unchanged from last week and last month, despite slight decreases observed earlier in longer-term trends.
For members considering refinancing, these consistent rates suggest predictable yield spreads and financing expenses; fixed-rate products continue to offer cost certainty over loan duration. Borrowers prioritizing stable payments may find value in evaluating fixed terms given current market steadiness. Assessing refinancing options is advisable when potential savings outweigh associated costs.
For details, visit https://www.langleyfcu.org/mortgage-refinance.
NAVY FEDERAL CREDIT UNION
As of January 30, 2026, NAVY FEDERAL CREDIT UNION shows stable mortgage rates for refinance products. The 15-year Fixed Conventional refinance rate remains at a competitive 4.75% with a minimal week-over-week change of +0.00 basis points, reflecting steady borrowing costs for members seeking shorter-term stability. Over the past 30 days, this rate has decreased by 12.5 basis points, potentially lowering monthly payments and total interest for those refinancing.
Conversely, the 30-year Fixed Homebuyers Choice refinance rate holds at 6.375%, unchanged from last week but up by 87.5 basis points compared to 30 days ago, indicating increased long-term borrowing expenses for homeowners locking in extended terms.
Members prioritizing payment consistency may consider the lower-yielding 15-year fixed option, while those managing cash flow over time should evaluate the implications of higher 30-year rates. Assess your mortgage strategy carefully; refinancing may be advantageous if projected savings outweigh associated costs.
TROPICAL FINANCIAL CREDIT UNION
As of January 30, 2026, 15-year fixed refinance loans maintain a steady rate of 5.0% with 1.125 points, unchanged over the past week and month. This stability in yield spreads signals consistent borrowing costs for members seeking shorter-term refinancing. Meanwhile, the 30-year fixed refinance remains at 6.0% with 0.875 points, also unchanged in recent periods, representing the lowest available rate for long-term refinances today.
Members aiming to reduce monthly payments might find the 30-year fixed refi advantageous due to its extended amortization despite a higher rate than the 15-year option. Conversely, borrowers prioritizing quicker equity buildup and lower total interest should consider the 15-year fixed refi at its current stable rate.
Given these conditions, members should evaluate their mortgage strategy carefully; consider fixed-rate options if you value payment predictability or explore refinancing if potential savings outweigh associated costs.
For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.
Zillow National Average
As of January 30, 2026, mortgage rates are generally down. The 15-Year Fixed Rate Jumbo stands at 6.204%, a decrease of 2 basis points from yesterday and 62 basis points lower than six months ago. The 30-Year Fixed Rate Jumbo is currently at 6.222%, down by 9 basis points in one day and showing a decline of 38 basis points over the last six months. Borrowers may find these lower rates advantageous for refinancing or purchasing decisions, as they reflect more favorable borrowing costs compared to previous periods. Monitoring these trends can help borrowers make informed financial choices in today’s evolving market landscape.
Federal Reserve Economic Trends
Recent data indicates stable inflation expectations, with the Breakeven Inflation Rate 10Yr at 2.350 and the 5Yr rate slightly higher at 2.520. These figures suggest that inflation concerns are relatively contained, which may support current mortgage rates. The Mortgage 30Yr Average Rate stands at 6.100, remaining unchanged over the past day but reflecting a decline of 0.05 points in the last 30 days; this is essential for borrowers looking to secure loans. The most significant shift in the short term is seen in the Mortgage 30Yr Va Average Rate, which decreased by 0.08 points over seven days. Borrowers should consider these trends when evaluating their financing options, as they highlight the potential for stable borrowing costs moving forward.
LendMesh
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Conclusion
Looking ahead, even small changes in mortgage rates can reshape your financial picture over time. A quarter-point increase may add tens of dollars each month or thousands over the life of your loan, so weighing your timing carefully is wise. With the Fed signaling modest inflation rises and most credit union rates steady, now could be a moment to explore refinancing options or secure a new purchase loan at competitive terms. Keep an eye on programs like EECU’s 4.0% 15-year fixed, which offers strong value for those aiming to shorten their payoff timeline without paying extra points. Whether buying or refinancing, staying informed about subtle shifts helps you make confident decisions that fit your budget and long-term goals.