February 9, 2026 | 4.00% Fixed Conventional Rate Steady Across Credit Unions

On February 9, 2026, purchase mortgage rates for 15-Year Fixed Rate loans increased by 12.5 basis points, rising from 4.75% last week to 4.875%, while the 30-Year Fixed Rate also rose by 12.5 basis points to 5.5% from 5.375%. Compared to 30 days ago, both terms show a decline of 25 basis points, indicating a recent easing in borrowing costs after earlier increases.

For first-time buyers or those prioritizing lower monthly payments, the current 15-Year Fixed Rate at 4.875% offers a more cost-effective option with shorter-term debt service. Meanwhile, longer-term stability seekers may find the 30-Year Fixed Rate at 5.5% suitable despite the recent uptick, as it remains below rates from a month prior.

Members should assess their financial plans carefully; consider fixed-rate loans if stability is essential, or evaluate refinancing opportunities when potential savings outweigh closing costs.

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

On February 9, 2026, ALOHA PACIFIC reports stable mortgage rates for both 15 Year Conforming Fixed Purchase and 30 Year Conforming Fixed Purchase loans. The 15-year fixed rate remains at 4.5%, holding steady with no change over the past week or month, representing the lowest rate available today. Similarly, the 30-year fixed rate is unchanged at 5.0% over the same periods. This stability in yield spreads suggests a consistent cost of borrowing for homebuyers seeking fixed-rate financing. For first-time buyers and those prioritizing predictable payments, the unaltered rates support straightforward budgeting decisions. Given these conditions, members may consider locking in fixed-rate mortgages to manage long-term financial planning effectively. Evaluate your mortgage strategy carefully; consider refinancing only if potential savings exceed associated costs. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of February 9, 2026, 15-year fixed purchase loans hold the lowest rate at 4.77%, unchanged from one and seven days ago but down 25 basis points over the past 30 days. Similarly, the 30-year fixed purchase rate remains steady at 5.686%, reflecting no weekly change and a decline of approximately 24 basis points compared to one month prior. These shifts in yield spreads suggest a modest reduction in the cost of borrowing for homebuyers locking in fixed rates. For members prioritizing payment stability and lower interest expenses, fixed-rate options continue to offer predictable terms amid slight recent improvements. Those evaluating mortgage strategies should consider whether refinancing aligns with their financial goals, especially if long-term savings surpass associated fees. For details, visit https://www.americanheritagecu.org/rates#mortgage.

As of February 9, 2026, 15-Year Fixed Rate In-House Purchase loans remain steady at 5.25%, holding the lowest rate among today’s options with no change over the past week or month. Conversely, the 30-Year Fixed Rate Purchase loan sustains a rate of 5.75%, unchanged from last week but down 37.5 basis points compared to 30 days ago, reflecting a moderate decline in borrowing costs for long-term financing.

For members prioritizing stability and lower overall interest expense, the 15-Year Fixed offers consistent yield spreads without recent volatility. Meanwhile, those seeking extended terms benefit from improved affordability on the 30-Year fixed product, potentially lowering monthly payments due to recent rate declines.

Members should consider their mortgage strategy carefully; evaluate fixed-rate options if predictable payments are essential or review refinancing scenarios where reduced rates exceed associated costs. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of February 9, 2026, the 30-Year Fixed Purchase Loan remains at a rate of 6.5%, unchanged from one week ago but up 175 basis points compared to 30 days prior. This notable increase in borrowing costs reflects wider market yield shifts impacting long-term fixed-rate mortgages. For prospective homebuyers, particularly first-time purchasers, this rate environment suggests higher monthly payments and overall financing expenses than a month ago. Veterans and refinancing applicants should consider that fixed-rate stability now comes at a premium relative to recent history. Members evaluating their mortgage strategy may want to prioritize locking in current rates if they prefer predictable payments or assess refinancing only if potential savings justify associated fees. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of February 9, 2026, mortgage rates for 15-Year Fixed Conforming and 30-Year Fixed Conforming purchase loans remain steady at 4.0% and 4.5%, respectively. No changes were observed in the past week or month, indicating stable yield spreads and consistent borrowing costs for fixed-rate buyers. For members prioritizing predictability, the 15-year fixed rate at 4.0% offers a lower cost of borrowing compared to the 30-year option, which may appeal to those seeking longer-term payment flexibility despite higher rates. First-time buyers and those planning purchases can evaluate these rates to align with their financial goals. Given this stability, consider locking in fixed-rate products if you value consistent payments; also assess your refinancing strategy if current savings offset closing costs. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.

As of February 09, 2026, mortgage rates at FAMILY TRUST remain steady across available fixed-rate purchase products. The 15-Year Fixed Rate holds at a competitive 4.708%, maintaining its position as the lowest rate option for buyers seeking shorter-term stability. Meanwhile, the 30-Year Fixed Rate remains unchanged at 5.5%, reflecting no movement in yield spreads over the past month.

For first-time homebuyers and those prioritizing predictability in monthly payments, the stable 15-Year Fixed Rate offers cost certainty without recent upward pressure on borrowing costs. Longer-term buyers considering affordability should note that the 30-Year Fixed Rate has not increased, preserving current financing conditions.

Members are encouraged to evaluate their mortgage strategy carefully; those with existing loans may consider refinancing if potential savings exceed transaction costs, particularly by locking in fixed-rate options that align with their financial goals. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

As of February 9, 2026, 15-Year Land Loan fixed rates for purchase have declined by 25 basis points, now at 6.0%, compared to one week ago. Similarly, the 30-Year Fixed Purchase rate has dropped by 25 basis points to 5.625%, marking the lowest available rate in today’s table. These yield spreads indicate a modest easing in borrowing costs over the past month, which can improve affordability for homebuyers prioritizing long-term stability or land acquisition.

For first-time buyers and those seeking predictable payments, locking in a fixed-rate mortgage at these levels may help manage future interest expense volatility. Given these downward adjustments, members should assess whether refinancing or initiating a new mortgage aligns with their financial goals, particularly if projected savings exceed associated costs.

Consider fixed-rate options if stability is a priority; evaluate your mortgage strategy accordingly. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of February 9, 2026, 15-year fixed purchase mortgage rates have notably decreased to 4.875%, reflecting a substantial decline of 261.5 basis points compared to one week and one month ago. This significant drop reduces the cost of borrowing for buyers prioritizing shorter loan terms and faster equity building. Conversely, the 30-year fixed purchase rate remains steady at 5.75%, unchanged over the past week but down 37.5 basis points compared to 30 days prior, offering consistent yield spreads for long-term financing.

For members, first-time buyers and those seeking predictability may benefit from locking in the lowest 15-year fixed rates, while others should evaluate if the stable 30-year option aligns with their financial goals. Given these shifts, it is prudent to consider refinancing opportunities or adjusting mortgage strategies where savings exceed associated costs.

For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.

As of February 9, 2026, VANTAGE reports stable mortgage rates for both 15-year Fixed Purchase and 30-year Fixed Purchase loans. The 15-year Fixed rate remains at 4.75%, holding steady with no change over the past 7 and 30 days, representing the lowest rate among today’s options. Likewise, the 30-year Fixed rate stands at 5.50%, unchanged in the last week and month.

This stability in yield spreads suggests consistent borrowing costs for members considering home purchases. First-time buyers may find the 15-year Fixed option beneficial for accelerated equity building without increased rate risk. Meanwhile, those prioritizing manageable monthly payments can maintain a predictable cost with the 30-year Fixed loan.

Given this rate environment, members should evaluate fixed-rate products to secure long-term payment certainty and consider refinancing only if potential savings outweigh associated fees.

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

As of February 9, 2026, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo is currently at 6.192%, down by 1 basis point from yesterday and showing a decrease of 6 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo has risen to 6.185%, up by 2 basis points since yesterday but down by 12 basis points over the last month. Borrowers should note that while short-term fluctuations exist, both products reflect a general trend of reduced borrowing costs compared to previous months. It may be beneficial for potential borrowers to consider locking in these rates for favorable financing conditions.

Inflation expectations, as indicated by the Breakeven Inflation Rate 10Yr at 2.340%, remain stable, which can influence mortgage rates and overall borrowing costs. The most significant decline in mortgage rates was seen in the Mortgage 30Yr Jumbo Average Rates, decreasing by 6.23 points in one day and by 6.37 points over the past month, highlighting a trend that may benefit potential borrowers seeking lower financing costs. Current average rates show a noteworthy lowest rate of 5.700% for the Mortgage 30Yr Va Average Rates. As inflation remains manageable, borrowers may find favorable conditions to secure loans; however, vigilance in monitoring market shifts is advisable for optimal financial decisions.

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