Introduction
On March 13, 2026, mortgage rates are holding steady with a few small shifts worth watching. If you’re considering refinancing or buying, it pays to know where the best deals are. Credit unions like Navy Federal are offering some of the lowest rates today, including a 4.875% 15-year fixed refinance and a 5.25% 30-year fixed refinance, both solid options for steady monthly payments. Meanwhile, Zillow’s jumbo loan rates have nudged up slightly, with the 30-year fixed jumbo at 6.22%. Inflation expectations ticked up modestly this week according to the Federal Reserve data, hinting at ongoing market pressure on borrowing costs. Here’s what you need to know before locking in a rate to make the smartest move for your home financing goals.
Refinance - Conventional 15 yrs Fixed
Lender
2026-03-13
(Current Day)
(Current Day)
2026-03-06
(7 Days Ago)
(7 Days Ago)
2026-02-26
(15 Days Ago)
(15 Days Ago)
2026-02-11
(30 Days Ago)
(30 Days Ago)
2026-01-27
(45 Days Ago)
(45 Days Ago)
2026-01-12
(60 Days Ago)
(60 Days Ago)
2025-12-13
(90 Days Ago)
(90 Days Ago)
2025-09-14
(180 Days Ago)
(180 Days Ago)
5.75%
5.63%
-12.5 bps
5.50%
-25 bps
5.50%
-25 bps
5.50%
-25 bps
5.38%
-37.5 bps
5.75%
5.75%
5.13%
4.75%
-37.5 bps
4.75%
-37.5 bps
4.88%
-25 bps
4.88%
-25 bps
4.75%
-37.5 bps
4.88%
-25 bps
5.25%
+12.5 bps
4.88%
4.88%
4.75%
-12.5 bps
4.88%
4.75%
-12.5 bps
4.75%
-12.5 bps
5.13%
+25 bps
4.88%
5.13%
5.00%
-12.5 bps
5.00%
-12.5 bps
5.00%
-12.5 bps
5.00%
-12.5 bps
4.88%
-25 bps
5.13%
Refinance - Conventional 30 yrs Fixed
Lender
2026-03-13
(Current Day)
(Current Day)
2026-03-06
(7 Days Ago)
(7 Days Ago)
2026-02-26
(15 Days Ago)
(15 Days Ago)
2026-02-11
(30 Days Ago)
(30 Days Ago)
2026-01-27
(45 Days Ago)
(45 Days Ago)
2026-01-12
(60 Days Ago)
(60 Days Ago)
2025-12-13
(90 Days Ago)
(90 Days Ago)
2025-09-14
(180 Days Ago)
(180 Days Ago)
6.25%
6.25%
6.00%
-25 bps
6.00%
-25 bps
6.00%
-25 bps
6.00%
-25 bps
6.38%
+12.5 bps
6.38%
+12.5 bps
5.75%
5.50%
-25 bps
5.50%
-25 bps
5.63%
-12.5 bps
5.63%
-12.5 bps
5.63%
-12.5 bps
5.75%
5.75%
5.25%
5.25%
5.25%
6.38%
+112.5 bps
6.38%
+112.5 bps
6.25%
+100 bps
6.50%
+125 bps
6.50%
+125 bps
AFFINITY PLUS FEDERAL CREDIT UNION
As of March 13, 2026, mortgage rates for 15-Year Fixed-Rate Conventional Refinance and 30-Year Fixed-Rate Conventional Refinance remain steady at 5.375% and 5.875%, respectively. Both products show no change compared to one week and one month ago, indicating stable yield spreads and borrowing costs. For members refinancing their homes, this stability can aid in predictable budgeting without increased rate risk. First-time buyers evaluating long-term affordability may consider the fixed-rate options highlighted here for cost certainty over the loan term. Given current market steadiness, members should evaluate refinancing if potential savings exceed associated costs and consider fixed-rate loans if they prioritize consistent payments.
For details, visit https://www.affinityplus.org/rates/mortgage-rates.
CONNEXUS CREDIT UNION
On March 13, 2026, 15-year fixed refinance rates increased by 12.5 basis points to 5.75%, marking a notable rise compared to last week and a cumulative 25 basis point increase over the past 30 days. Meanwhile, 30-year fixed refinance rates remained stable at 6.25%, unchanged from last week but up by 25 basis points versus 30 days ago. These movements reflect tightening yield spreads and an incremental rise in borrowing costs for homeowners refinancing their mortgages. Borrowers seeking shorter-term stability face higher costs relative to recent weeks, while longer-term fixed options show steadiness but elevated levels compared to one month prior. Members should evaluate refinancing strategies carefully; consider fixed-rate products if prioritizing payment predictability, and weigh potential savings against current rate trends. For details, visit https://www.connexuscu.org/loans/mortgage-refinance.
FIRST COMMUNITY CREDIT UNION
As of March 13, 2026, refinance fixed-rate mortgages at FIRST COMMUNITY have experienced notable increases. The 15 Year Fixed refinance rate rose by 37.5 basis points over the past week to 5.125%, representing a 25 basis point increase compared to 30 days ago. Similarly, the 30 Year Fixed refinance rate increased by 25 basis points week-over-week, reaching 5.75%, up 12.5 basis points from a month prior.
These rising yields impact borrowers’ cost of borrowing, particularly those seeking to reduce monthly payments through longer terms or quicker payoff with shorter terms. Members considering refinancing should assess whether current rates align with their financial goals; those valuing payment stability might prioritize fixed options despite elevated rates, while others should evaluate potential long-term savings against closing costs.
Given these trends, members are advised to review their mortgage strategies carefully and consider refinancing only if projected savings exceed associated expenses. For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.
LANGLEY FEDERAL CREDIT UNION
As of March 13, 2026, Langley Credit Union reports stable mortgage rates for refinance products. The 30 Year Fixed Refinance remains at 4.99%, unchanged over the past week and month, indicating steady yield spreads and consistent borrowing costs for long-term refinancing. Similarly, the 15 Year Fixed Refinance holds at 5.25%, with no movement in the last seven or thirty days, maintaining its position as the highest rate among today’s offerings.
For members considering refinancing, these fixed-rate options provide predictable payments amid a stable rate environment. Borrowers prioritizing long-term cost control may evaluate the 15-year term despite its higher rate due to faster principal reduction. First-time buyers and veterans should note that current data focuses exclusively on refinance products; assessing fixed-rate stability is crucial for managing financial planning.
Members are advised to review their mortgage strategies against these steady rates and consider refinancing if potential savings justify transaction costs. For details, visit https://www.langleyfcu.org/mortgage-refinance.
NAVY FEDERAL CREDIT UNION
As of March 13, 2026, Navy Federal Credit Union’s refinance mortgage rates remain stable. The 15-year fixed refinance rate holds steady at 4.875% with 0.5 points, unchanged from one week ago, maintaining its position as the lowest cost option for borrowers seeking shorter terms and lower overall interest expense. Meanwhile, the 30-year fixed refinance rate also remains flat at 5.25% with 0.5 points, reflecting a significant decline of 112.5 basis points over the past 30 days, which reduces long-term borrowing costs for members opting for extended loan durations.
These stable to lower yields suggest a favorable environment for homeowners considering refinancing to lock in consistent payments or reduce monthly obligations. Members prioritizing payment stability may find fixed-rate options advantageous amid current market conditions. Evaluate your mortgage strategy carefully to determine if refinancing aligns with your financial goals, especially given recent rate improvements on longer-term loans.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of March 13, 2026, 15-year fixed refinance loans maintain the lowest rate at a steady 5.375%, unchanged over the past week and month. This stability benefits borrowers prioritizing predictable payments and faster equity buildup. Conversely, the 30-year fixed refinance rate increased by 12.5 basis points to 6.125% from seven days ago but remains flat compared to 30 days prior. The rise in longer-term rates slightly elevates the cost of borrowing for those seeking extended amortization periods, potentially impacting monthly affordability.
Members considering refinancing should evaluate whether locking in a 15-year fixed rate aligns with their financial goals or if the longer-term option’s recent yield adjustment justifies waiting for potential market shifts. Data-driven decisions will help optimize mortgage strategy amid these modest rate fluctuations.
For details, visit https://www.rbfcu.org/home-loans-realty/mortgage-refinancing.
TROPICAL FINANCIAL CREDIT UNION
On March 13, 2026, TROPICAL FINANCIAL reports a modest increase in mortgage rates for refinance loans. The 15-year fixed refinance rate rose by 12.5 basis points, now at 5.125%, marking the lowest rate among today’s options. Similarly, the 30-year fixed refinance rate increased by 12.5 basis points to 6.0%. These upward shifts indicate a slight rise in the cost of borrowing over the past week and month.
For members considering refinancing, these changes suggest evaluating whether locking in current fixed rates aligns with long-term financial goals. The stability of fixed terms can benefit those seeking predictable payments despite recent yield spread fluctuations. Given these dynamics, members should analyze potential savings against refinancing costs before proceeding.
For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.
WINGS FINANCIAL CREDIT UNION
As of March 13, 2026, WINGS FINANCIAL reports stable refinance mortgage rates for fixed-rate loans. The 15-year fixed-rate refinance holds at 5.125%, unchanged over the past week but up 12.5 basis points compared to 30 days ago. Similarly, the 30-year fixed-rate refinance remains steady at 5.75%, with no weekly change and a 12.5 basis point increase month-over-month.
These levels affect borrowers seeking to reduce monthly payments or shorten loan duration. The relatively lower rate on the 15-year fixed refinance offers potential savings through accelerated principal reduction, benefiting those prioritizing long-term cost efficiency. Meanwhile, the 30-year fixed option provides stable payment structures for members focused on affordability despite a modest rise in borrowing costs.
Members should evaluate refinancing if projected interest savings exceed associated fees and consider fixed-rate loans for predictable payments amid current market conditions.
For details, visit https://www.wingscu.com/rates/mortgages-refinance#main.
Zillow National Average
As of March 13, 2026, mortgage rates show mixed trends. The 15-Year Fixed Rate Jumbo increased to 6.200%, up by 11 basis points from yesterday, while the 30-Year Fixed Rate Jumbo decreased slightly to 6.219%, a drop of 2 basis points. Over the past week, the 30-Year Fixed Rate Jumbo has risen by 3 basis points, indicating some upward pressure in the market. Conversely, the 15-Year Fixed Rate Jumbo has seen a decrease of 8 basis points over the last month, reflecting a more favorable borrowing cost for shorter-term loans. Borrowers may find opportunities in these fluctuations but should remain vigilant about potential rate changes in the near future.
Federal Reserve Economic Trends
Inflation expectations, reflected in the Breakeven Inflation Rates, can significantly influence mortgage rates and overall borrowing costs. Currently, the Mortgage 30Yr Average Rate stands at 6.110, with a modest increase of 11 bps over the past week. The largest movement in recent weeks was seen in the Mortgage 30Yr Usda Average Rates, which rose by 13 bps over the last seven days and by 15 bps in the past month. Borrowers should take note of these trends, particularly as they navigate their options in a fluctuating economic environment. With the lowest rate recorded at 5.500 for 15-Year Mortgages, individuals may want to consider varying loan types to optimize their financial strategies.
LendMesh
When you picture your dream home, do you imagine a place for family gatherings or a peaceful corner to call your own? Whatever your vision, LendMesh is here to help make it a reality. We believe mortgages should be about more than just numbers; they should support your long-term goals and happiness. That’s why our partners include both well-known banks and credit unions committed to serving their local communities. Our platform is full of honest advice, straightforward comparisons, and step-by-step tools. Whenever you’re ready, head over to our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans and take the next step toward the future you deserve.
Conclusion
Even small changes in mortgage rates can add up over time, turning what seems like a minor difference into hundreds of dollars more each month or thousands over the life of a loan. With the 15-year fixed refinance rates hovering near 4.875% at top credit unions and gradual rises in national averages, now is a good moment to review your options carefully. If you’re a homeowner thinking about refinancing, consider how these steady but slightly higher rates affect your budget and long-term savings. For buyers, locking in a competitive rate soon could protect you against further increases tied to inflation trends. Staying informed and acting thoughtfully will help you turn today’s market conditions into an advantage rather than a setback.