Introduction
On April 24, 2026, mortgage rates show a mixed but hopeful picture for borrowers. While some credit unions like Eecu continue to offer the lowest rate at 4.00% on a 15-year fixed refinance, jumbo loan rates from Zillow have eased slightly, with the 30-year fixed jumbo dropping to 6.05% this week. Inflation expectations remain steady but inching up modestly, with the 5-year breakeven inflation rate rising to 2.61%, signaling cautious optimism for the economy. Here’s what you need to know before locking in a rate today: whether you’re refinancing with a credit union or exploring jumbo options, understanding these subtle shifts can save you money over time.
Refinance - Conventional 15 yrs Fixed
Lender
2026-04-24
(Current Day)
(Current Day)
2026-04-17
(7 Days Ago)
(7 Days Ago)
2026-04-09
(15 Days Ago)
(15 Days Ago)
2026-03-25
(30 Days Ago)
(30 Days Ago)
2026-03-10
(45 Days Ago)
(45 Days Ago)
2026-02-23
(60 Days Ago)
(60 Days Ago)
2026-01-24
(90 Days Ago)
(90 Days Ago)
2025-10-26
(180 Days Ago)
(180 Days Ago)
5.63%
5.63%
5.63%
5.75%
+12.5 bps
5.38%
-25 bps
5.38%
-25 bps
5.38%
-25 bps
5.50%
-12.5 bps
5.38%
5.25%
-12.5 bps
5.38%
5.63%
+25 bps
5.25%
-12.5 bps
5.00%
-37.5 bps
5.25%
-12.5 bps
5.75%
5.63%
-12.5 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
5.50%
-25 bps
5.50%
-25 bps
5.50%
-25 bps
5.75%
5.00%
5.00%
5.13%
+12.5 bps
5.13%
+12.5 bps
4.88%
-12.5 bps
4.88%
-12.5 bps
4.88%
-12.5 bps
5.00%
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.63%
+37.5 bps
5.13%
-12.5 bps
5.25%
5.25%
5.13%
5.13%
5.25%
+12.5 bps
5.13%
4.88%
-25 bps
4.75%
-37.5 bps
4.75%
-37.5 bps
4.88%
-25 bps
5.25%
5.25%
5.25%
5.50%
+25 bps
5.13%
-12.5 bps
4.88%
-37.5 bps
5.25%
5.13%
-12.5 bps
Refinance - Conventional 30 yrs Fixed
Lender
2026-04-24
(Current Day)
(Current Day)
2026-04-17
(7 Days Ago)
(7 Days Ago)
2026-04-09
(15 Days Ago)
(15 Days Ago)
2026-03-25
(30 Days Ago)
(30 Days Ago)
2026-03-10
(45 Days Ago)
(45 Days Ago)
2026-02-23
(60 Days Ago)
(60 Days Ago)
2026-01-24
(90 Days Ago)
(90 Days Ago)
2025-10-26
(180 Days Ago)
(180 Days Ago)
6.13%
6.13%
6.13%
6.13%
5.88%
-25 bps
5.88%
-25 bps
5.88%
-25 bps
6.00%
-12.5 bps
6.00%
5.88%
-12.5 bps
6.13%
+12.5 bps
6.25%
+25 bps
5.88%
-12.5 bps
5.63%
-37.5 bps
5.88%
-12.5 bps
6.38%
6.25%
-12.5 bps
6.50%
+12.5 bps
6.50%
+12.5 bps
6.13%
-25 bps
4.88%
-150 bps
6.13%
-25 bps
6.13%
-25 bps
5.75%
5.75%
6.00%
+25 bps
5.88%
+12.5 bps
5.50%
-25 bps
5.50%
-25 bps
5.50%
-25 bps
5.50%
-25 bps
6.00%
6.00%
6.00%
6.13%
+12.5 bps
5.75%
-25 bps
5.63%
-37.5 bps
5.50%
-50 bps
5.75%
-25 bps
5.50%
5.88%
+37.5 bps
5.88%
+37.5 bps
6.25%
+75 bps
5.75%
+25 bps
5.88%
+37.5 bps
5.88%
+37.5 bps
6.63%
6.63%
6.75%
+12.5 bps
6.63%
5.25%
-137.5 bps
6.25%
-37.5 bps
6.38%
-25 bps
6.38%
-25 bps
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
6.13%
+25 bps
5.75%
-12.5 bps
5.50%
-37.5 bps
6.00%
+12.5 bps
5.88%
AFFINITY PLUS FEDERAL CREDIT UNION
As of April 24, 2026, 15-Year Fixed-Rate Conventional Refinance loans hold the lowest rate at 5.625%, unchanged from one week ago but down by 12.5 basis points compared to 30 days prior. This reduction in yield spread can lower the cost of borrowing for members aiming to shorten loan terms and reduce interest expenses over time. Meanwhile, the 30-Year Fixed-Rate Conventional Refinance remains steady at 6.125%, with no change over the past 7 or 30 days, maintaining stable long-term financing costs.
For members focused on refinancing, these movements suggest evaluating fixed-rate options if stability and potential long-term savings are priorities. Consider your mortgage strategy carefully; refinancing may be advantageous when rate reductions exceed associated costs.
For details, visit https://www.affinityplus.org/rates/mortgage-rates.
AMERICA FIRST FEDERAL CREDIT UNION
As of April 24, 2026, refinance mortgage rates for fixed-rate loans show modest upward shifts compared to last week. The 15 Year Fixed refinance rate stands at 5.375% with 0.375 points, increasing by 12.5 basis points over seven days but down 25 basis points from 30 days ago. Similarly, the 30 Year Fixed refinance rate is at 6.0% with 0.5 points, up 12.5 basis points week-over-week and down 25 basis points month-over-month.
These movements suggest a slight rise in borrowing costs recently, impacting members seeking shorter-term refinancing options or long-term fixed stability. Borrowers prioritizing predictable payments might consider locking in current fixed rates, while those evaluating long-term savings should assess if refinancing benefits outweigh associated fees amid these rate fluctuations.
For details, visit https://www.americafirst.com/loans/mortgage-loans/mortgage-refinance.html.
CONNEXUS CREDIT UNION
As of April 24, 2026, refinance fixed-rate mortgages show modest shifts. The 15-year fixed refinance rate rose by 12.5 basis points to 5.75%, marking a slight increase from last week but a small decline compared to 30 days ago. Similarly, the 30-year fixed refinance rate increased by 12.5 basis points to 6.375% over the past week, though it remains lower than a month prior.
These changes impact borrowers seeking to reduce their cost of borrowing through refinancing. Those prioritizing faster payoff and lower rates may find the 15-year fixed option at 5.75% more attractive for managing long-term interest expenses. Conversely, individuals focusing on lower monthly payments might consider the 30-year fixed at 6.375%, keeping in mind recent upward yield spreads.
Members should evaluate refinancing carefully; if potential savings exceed associated costs, locking in current rates could be prudent amid recent fluctuations. Consider your mortgage strategy based on stability needs and long-term financial goals.
For details, visit https://www.connexuscu.org/loans/mortgage-refinance.
DELTA COMMUNITY CREDIT UNION
As of April 24, 2026, refinance rates for fixed-rate mortgages remain steady. The 15-year Fixed Refinance rate holds at 5.00%, unchanged from one week ago but down 12.5 basis points over the past 30 days, indicating a modest easing in borrowing costs for shorter-term fixed loans. Similarly, the 30-year Fixed Refinance rate is stable at 5.75%, with no change week-over-week and a decline of 12.5 basis points compared to a month ago. These consistent yields suggest limited short-term volatility in mortgage costs for borrowers seeking to refinance.
For members prioritizing payment stability, the unchanged fixed rates offer predictable expense planning; meanwhile, the recent month-long decrease may enhance refinancing value by reducing total interest paid over time. Borrowers should evaluate their current mortgage terms against these rates to determine potential savings and consider fixed-rate options if they prefer cost certainty amid market fluctuations.
EECU CREDIT UNION
As of April 24, 2026, the 15 Year Fixed Conforming Refinance rate remains steady at 4.00%, showing no change over the past 7 and 30 days. This stability in yield spreads supports consistent borrowing costs for members seeking to refinance with a fixed-rate option. For borrowers prioritizing predictability, especially those aiming to reduce loan duration or interest expense, maintaining the current 4.00% rate offers a clear benchmark for refinancing decisions.
Given no upward movement in rates recently, members should evaluate their mortgage strategy carefully; those with higher existing rates may benefit from refinancing to lock in this level. Conversely, first-time buyers or others considering new purchase loans should monitor market shifts as this data reflects refinance products only.
Consider fixed-rate refinancing if you value payment certainty and want to potentially lower your long-term interest burden.
For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/refinance.
FIRST COMMUNITY CREDIT UNION
As of April 24, 2026, 15 Year Fixed Refinance rates remain steady at 5.125%, holding flat over the past week but down 25 basis points from 30 days ago. This decline reduces long-term borrowing costs for members seeking shorter-term refinancing options. Meanwhile, the 30 Year Fixed Refinance rate also stays unchanged at 6.00% compared to last week, though it is lower by 12.5 basis points versus one month prior, offering moderate relief for those with longer loan terms.
For members prioritizing payment stability, these fixed-rate options provide predictable yields amid recent market fluctuations. Given these trends, borrowers should evaluate their refinancing strategies carefully; locking in a fixed rate may help manage future interest expense volatility. Consider refinancing if potential savings surpass associated costs and align with your financial goals.
For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of April 24, 2026, 15-Year Fixed-Rate Mortgage refinance rates have declined to 5.25% with 3 points, down 12.5 basis points from last week and 37.5 basis points over the past month. This reduction lowers the cost of borrowing for members seeking shorter-term refinancing, enhancing potential interest savings and faster equity buildup. The 30-Year Fixed-Rate Mortgage refinance option stands at 5.50% with 1 point, marking a significant drop of 37.5 basis points in seven days and a substantial 75 basis points decrease since late March, improving affordability for long-term borrowers aiming to stabilize payments.
Members should consider fixed-rate options if prioritizing payment consistency amid rate volatility. Evaluating refinancing strategies now may reduce long-term interest expenses given these downward trends in yield spreads.
For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.
NAVY FEDERAL CREDIT UNION
As of April 24, 2026, Conventional 15-Year Fixed Refinance rates remain stable at 5.125% with 0.25 points, holding steady over the past week and month. This rate represents the lowest yield among today's options, offering a potentially lower cost of borrowing for members seeking shorter-term refinancing stability.
Meanwhile, the Homebuyers Choice 30-Year Fixed Refinance program maintains a rate of 6.625% with 0.5 points, unchanged in the last seven and thirty days. This longer-term fixed option may appeal to members prioritizing predictable payments despite a higher yield spread compared to the 15-year term.
For members evaluating refinancing strategies, current rate stability suggests considering fixed-rate options if payment consistency is important; those targeting lower overall interest costs might find the Conventional 15-Year Fixed beneficial. Monitor your financial goals closely to determine if refinancing yields net savings after factoring in points and fees.
WINGS FINANCIAL CREDIT UNION
As of April 24, 2026, refinance fixed-rate loans show mixed movement in yield spreads. The 15-year fixed-rate loan remains steady at 5.25%, holding the lowest rate among today's options, with no change over the past week but a 25 basis point decrease compared to 30 days ago. Conversely, the 30-year fixed-rate loan has declined by 12.5 basis points in the last seven days to 5.875%, representing a 25 basis point reduction from one month prior.
These shifts reduce the cost of borrowing for members considering refinancing; shorter-term borrowers benefit from stable, lower rates, while longer terms see improving affordability. Members evaluating their mortgage strategy should consider fixed-rate options if they prioritize payment stability or review refinancing opportunities when potential savings surpass associated costs.
For details, visit https://www.wingscu.com/rates/mortgages-refinance#main.
Zillow National Average
Mortgage rates are trending downward today, with notable decreases observed in the 15-Year Fixed Rate Jumbo, now at 5.917%, down 11 basis points from yesterday, and the 30-Year Fixed Rate Jumbo, currently at 6.050%, down 19 basis points over the same period. Over the past week, the 15-Year Fixed Rate Jumbo has dropped a total of 27 basis points, while the 30-Year Fixed Rate Jumbo decreased by 22 basis points. The biggest decline in recent months for these products was seen in the last 30 days, with the 30-Year Fixed Rate Jumbo falling by 51 basis points. Borrowers may benefit from these lower rates when considering refinancing or purchasing new homes; however, it is advisable to monitor further trends before making decisions.
Federal Reserve Economic Trends
Recent data shows that breakeven inflation rates for 10 years and 5 years remain steady at 2.380% and 2.610%, respectively, indicating stable inflation expectations. In the mortgage market, the 30-year FHA average rate is currently at 6.118%, reflecting a slight increase of 0.10 points over the past week, while the 15-year average rate experienced the largest decline of 5.65 points this week, now at 0%. The lowest rate noted is the 30-year USDA average rate at 5.939%. These changes suggest that borrowers may find opportunities in lower mortgage rates despite fluctuations in inflation expectations; thus, monitoring these indicators is essential for making informed borrowing decisions.
LendMesh
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Conclusion
Looking ahead, even small movements in mortgage rates can meaningfully affect your monthly payment and overall interest costs. If you qualify for the 4.00% 15-year fixed refinance at Eecu, it could be an excellent time to consider shortening your loan term and paying less interest over the life of your mortgage. For those eyeing jumbo loans, the recent dip to 6.05% on Zillow’s 30-year fixed jumbo could improve affordability in higher-priced markets. Keep in mind that inflation signals from FRED suggest steady economic conditions; this may mean rates hold firm or rise slowly, so plan carefully rather than rushing decisions. Staying informed about local credit union offerings alongside national trends will help you find the best fit for your financial goals.