Introduction
On March 24, 2026, mortgage rates continue to show subtle shifts that could make a difference in your homebuying journey. Whether you’re eyeing a purchase or refinancing, today’s data from Credit Unions, Zillow, and the Federal Reserve offer a clearer picture of where borrowing costs stand. Notably, the lowest rate for a purchase loan comes from Potlatch No 1 Financial’s 15-Year Fixed at 4.875%, providing an attractive option for those looking to shorten their loan term without jumping into jumbo territory. Meanwhile, some VA loans at Navy Federal Credit Union have ticked higher by as much as 150 basis points over the past week. Inflation expectations have eased slightly, which could help keep long-term rates from rising further. Here’s what you need to know before locking in a rate today.
New Purchase - VA 15 yrs Fixed
Lender
2026-03-24
(Current Day)
(Current Day)
2026-03-17
(7 Days Ago)
(7 Days Ago)
2026-03-09
(15 Days Ago)
(15 Days Ago)
2026-02-22
(30 Days Ago)
(30 Days Ago)
2026-02-07
(45 Days Ago)
(45 Days Ago)
2026-01-23
(60 Days Ago)
(60 Days Ago)
2025-12-24
(90 Days Ago)
(90 Days Ago)
2025-09-25
(180 Days Ago)
(180 Days Ago)
5.13%
5.13%
4.75%
-37.5 bps
4.75%
-37.5 bps
4.88%
-25 bps
4.99%
-13.5 bps
4.99%
-13.5 bps
4.99%
-13.5 bps
5.38%
5.00%
-37.5 bps
5.00%
-37.5 bps
4.88%
-50 bps
5.00%
-37.5 bps
5.00%
-37.5 bps
5.00%
-37.5 bps
5.13%
-25 bps
5.25%
5.00%
-25 bps
4.88%
-37.5 bps
4.75%
-50 bps
4.75%
-50 bps
4.75%
-50 bps
5.00%
-25 bps
4.88%
-37.5 bps
4.88%
4.88%
4.75%
-12.5 bps
4.75%
-12.5 bps
4.75%
-12.5 bps
4.63%
-25 bps
4.75%
-12.5 bps
4.88%
5.38%
5.13%
-25 bps
5.00%
-37.5 bps
4.88%
-50 bps
5.00%
-37.5 bps
4.88%
-50 bps
5.00%
-37.5 bps
5.00%
-37.5 bps
New Purchase - VA 30 yrs Fixed
Lender
2026-03-24
(Current Day)
(Current Day)
2026-03-17
(7 Days Ago)
(7 Days Ago)
2026-03-09
(15 Days Ago)
(15 Days Ago)
2026-02-22
(30 Days Ago)
(30 Days Ago)
2026-02-07
(45 Days Ago)
(45 Days Ago)
2026-01-23
(60 Days Ago)
(60 Days Ago)
2025-12-24
(90 Days Ago)
(90 Days Ago)
2025-09-25
(180 Days Ago)
(180 Days Ago)
5.63%
5.63%
5.25%
-37.5 bps
5.38%
-25 bps
5.38%
-25 bps
5.38%
-25 bps
5.38%
-25 bps
5.38%
-25 bps
6.00%
5.63%
-37.5 bps
5.50%
-50 bps
5.38%
-62.5 bps
5.63%
-37.5 bps
5.50%
-50 bps
5.63%
-37.5 bps
5.75%
-25 bps
5.75%
5.75%
5.50%
-25 bps
5.50%
-25 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
6.75%
5.25%
-150 bps
6.25%
-50 bps
6.13%
-62.5 bps
6.25%
-50 bps
6.25%
-50 bps
6.38%
-37.5 bps
6.50%
-25 bps
5.25%
5.38%
+12.5 bps
5.13%
-12.5 bps
5.00%
-25 bps
5.25%
5.25%
5.38%
+12.5 bps
5.25%
5.38%
5.38%
5.25%
-12.5 bps
5.25%
-12.5 bps
5.38%
5.25%
-12.5 bps
5.25%
-12.5 bps
5.49%
+11.5 bps
6.13%
5.75%
-37.5 bps
5.75%
-37.5 bps
5.50%
-62.5 bps
5.63%
-50 bps
5.63%
-50 bps
5.75%
-37.5 bps
5.88%
-25 bps
AVADIAN CREDIT UNION
On March 24, 2026, the 30-Year VA Fixed Purchase loan remains at a rate of 5.375%, unchanged from last week but up by 25 basis points compared to 30 days ago. This steady weekly rate indicates stable borrowing costs for veterans seeking to purchase homes, though the monthly increase suggests a moderate upward trend in mortgage yield spreads. For veterans, maintaining awareness of this movement is crucial when planning home financing or evaluating refinancing strategies.
Given the current rate environment, members prioritizing payment stability should consider locking in fixed-rate VA loans now. Veterans weighing refinancing options should analyze if potential savings outweigh closing costs amid these slight rate shifts.
For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.
CREDIT UNION WEST CREDIT UNION
As of March 24, 2026, CREDIT UNION WEST reports stable mortgage rates for home purchases. The 15-year fixed-rate mortgage holds at 5.125% with 1.875 points, unchanged from last week but up 37.5 basis points compared to 30 days ago. Meanwhile, the 30-year fixed-rate purchase loan remains steady at 5.625% with 1.75 points, reflecting no weekly change but a 25 basis point increase over the past month. These yield spreads indicate a modest rise in borrowing costs over the last 30 days, impacting affordability particularly for longer-term financing. Members prioritizing predictable payments may consider locking in current fixed rates given recent upward trends. Evaluating refinancing options is advisable if potential savings exceed closing costs, especially for those with loans originated over two months ago. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
ENT CREDIT UNION
As of March 24, 2026, VA 15-Year Fixed mortgage rates for purchase loans have risen to 5.375%, marking a notable increase of 37.5 basis points compared to last week and 50 basis points over the past 30 days. Meanwhile, the VA 30-Year Fixed purchase rate stands at 6.0%, up 37.5 basis points from seven days ago and 62.5 basis points higher than a month prior.
These upward shifts in yield spreads suggest a higher cost of borrowing for veterans seeking long-term financing stability. First-time buyers and veterans considering fixed-rate VA loans may face increased monthly payments, affecting affordability calculations. Evaluating your mortgage strategy is advisable; those valuing payment predictability might still prefer fixed terms despite rising rates, while others could explore refinancing if projected savings exceed associated costs.
For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
JSC FEDERAL CREDIT UNION
On March 24, 2026, the 30-year VA Fixed Purchase mortgage rate remains steady at 5.75%, showing no change over the past week but a notable increase of 25 basis points compared to 30 days ago. This uptick in yield spreads translates to a higher cost of borrowing for veterans seeking to purchase homes using VA loans. Stability over the last seven days may offer short-term predictability, yet the monthly rise suggests that veterans and first-time buyers should carefully evaluate their financing timing. Given this environment, members valuing payment consistency might consider locking in current fixed rates, while those assessing long-term affordability should review their mortgage strategy thoroughly. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.
NAVY FEDERAL CREDIT UNION
As of March 24, 2026, VA 15 Year Fixed Purchase loans are offered at 5.25% with 0.25 points, marking a 25 basis point increase from last week and a 50 basis point rise over the past 30 days. This upward trend elevates borrowing costs for veterans seeking shorter-term financing, potentially impacting monthly payments and overall interest expense. Meanwhile, the Military Choice 30 Year Fixed Purchase program shows a notable shift to 6.75% with 0.5 points, reflecting a substantial 150 basis point increase week-over-week and a 62.5 basis point rise compared to 30 days ago. This spike significantly affects long-term affordability for military members pursuing extended loan terms, emphasizing the importance of rate lock strategies.
Members should consider fixed-rate options if they prioritize payment stability amid rising yields and evaluate refinancing only if anticipated savings outweigh closing costs. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
NUVISION FEDERAL CREDIT UNION
On March 24, 2026, the 30-Year VA Fixed Purchase mortgage rate at 5.5% remains unchanged from last week but shows a 12.5 basis points increase over the past 30 days. This subtle rise in yield spreads slightly elevates the cost of borrowing for veterans seeking to purchase homes. While stability week-over-week supports consistent budgeting, the month-to-month uptick suggests potential tightening in long-term fixed rates.
Veteran homebuyers should weigh the benefits of locking in current fixed-rate VA loans to avoid further increases, especially given recent market trends. Evaluating refinancing options remains prudent if future rate reductions materialize. Members prioritizing predictable payments may find fixed terms advantageous despite modest rate fluctuations.
Consider your mortgage strategy carefully; small changes can impact total interest costs over time. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.
PENTAGON FEDERAL CREDIT UNION
On March 24, 2026, the 30-year Fixed VA Loan Purchase rate is 5.25%, marking a decline of 12.5 basis points from one week ago but an increase of 25 basis points compared to one month prior. This modest short-term decrease reduces the immediate cost of borrowing for veterans and eligible buyers, potentially improving affordability for new home purchases. However, the upward trend over 30 days suggests cautious evaluation of long-term financing costs is warranted. Veterans considering purchasing a home should weigh the benefits of locking in current rates against potential fluctuations. Given these dynamics, members may find value in assessing fixed-rate options for stability or exploring refinancing if longer-term savings justify associated expenses. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of March 24, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 4.875%, unchanged over the past week but up by 12.5 basis points compared to 30 days ago. Meanwhile, the 30-Year Fixed Purchase rate holds at 5.375%, also stable week-over-week yet increased by 12.5 basis points from a month prior. These yield spreads indicate a modest rise in the cost of borrowing over the last month, affecting affordability for new homebuyers. Members prioritizing long-term payment stability may find the 15-Year Fixed option's lower rate advantageous, while those seeking extended terms face slightly higher costs with the 30-Year Fixed. Evaluating current mortgage strategies is advisable; fixed-rate options offer predictability amid rising rates, and members should consider refinancing if potential savings outweigh associated fees. For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SPACE COAST CREDIT UNION
On March 24, 2026, SPACE COAST credit union reports stable mortgage rates for Purchase Fixed 15-Year and 30-Year loans at 5.375% and 6.125%, respectively. Both rates show no change over the past week but reflect an increase of 25 basis points compared to 30 days ago. The upward movement in yield spreads indicates a modest rise in the cost of borrowing for homebuyers seeking fixed-rate stability.
For members planning purchases, especially first-time buyers prioritizing predictable payments, the 15-Year Fixed Purchase Loan at 5.375% offers the lowest rate option available today. Evaluating refinancing opportunities remains advisable if current savings on interest exceed associated fees.
Consider your mortgage strategy carefully; fixed-rate programs provide payment certainty amid recent rate fluctuations. For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
WHATCOM EDUCATIONAL CREDIT UNION
As of March 24, 2026, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.375%, rising by 25 basis points compared to last week and 50 basis points over the past 30 days. Meanwhile, the VA 30-Year Fixed Purchase rate increased more sharply, up 37.5 basis points week-over-week to 6.125%, marking a 62.5 basis point rise since one month ago. These upward shifts indicate a higher cost of borrowing for veterans and active-duty buyers seeking long-term financing stability.
Members prioritizing predictable payments may find value in shorter-term fixed options despite slightly elevated yields, while those considering longer horizons should evaluate how these changes impact total interest expenses. In this environment, assessing mortgage strategies with attention to recent yield spreads is essential; consider refinancing only if potential savings clearly outweigh associated costs.
For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of March 24, 2026, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo increased slightly to 6.375%, reflecting a change of +0.01 basis points from yesterday and +0.34 basis points over the past month. In contrast, the 30-Year Fixed Rate Jumbo rose to 6.638%, marking a larger increase of +0.14 basis points in just one day but has decreased by 0.35 basis points over the past week. Borrowers should note that while short-term rates are climbing, longer-term rates have seen fluctuations, impacting overall borrowing costs. Staying informed on these changes can help borrowers make more strategic decisions regarding their mortgage options.
Federal Reserve Economic Trends
Current inflation expectations, as reflected in the Breakeven Inflation Rates, are stable at 2.330% for 10 years and 2.530% for 5 years, indicating moderate future inflation outlooks. However, mortgage rates have seen significant fluctuations; notably, the Mortgage 30Yr Jumbo Average Rates dropped sharply by 6.60 points in just one day and 6.37 points over the past week, reaching a benchmark of 6.597%. Meanwhile, the lowest mortgage rate currently reported is from the Mortgage 30Yr FHA Average Rates at 6.071%. These changes can impact borrowing costs and affect decision-making for potential homeowners. Monitoring these trends is essential for borrowers considering fixed-rate mortgages in this evolving economic landscape.
LendMesh
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Conclusion
As you consider your next mortgage move, keep in mind that even small changes in interest rates can add up over time. For example, a shift of just one-quarter of a percent on a 30-year fixed loan can increase monthly payments by tens of dollars and add thousands more in interest paid over the life of the loan. With the current landscape showing some stability but pockets of increase in VA and jumbo loans, now is the time to weigh your options carefully. If you qualify for shorter terms like the 4.875% 15-Year Fixed from Potlatch No 1 Financial, it might be worth exploring how faster payoff schedules impact your long-term financial health. Stay informed about inflation trends and lender updates; they can signal when locking in makes sense versus waiting for potentially better terms. Ultimately, choose the path that fits your budget and goals without rushing into decisions driven by fleeting market moves.