May 4, 2026 | Credit Union Fixed Mortgage Rates Hold Steady at 4.00%

On May 4, 2026, AFFINITY reports stable mortgage rates with no change over the past week or month. The 15-Year Fixed Rate Purchase remains at a competitive 4.875%, representing the lowest rate available today, supporting members seeking shorter-term financing with predictable payments and lower overall interest costs. The 30-Year Fixed Rate Purchase holds steady at 5.5%, reflecting consistent borrowing costs for long-term homebuyers prioritizing affordability through extended terms. These unchanged yields indicate stable market conditions, allowing members to make informed decisions without concern for immediate rate volatility. Members should consider fixed-rate options if they value payment stability or evaluate purchasing strategies given current cost structures. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of May 4, 2026, AMERICA'S FIRST reports stable mortgage rates across key purchase loan products. The 15 Yr Fixed Rate In-House remains at 5.25%, unchanged over the past week and month, representing the lowest cost of borrowing among available options. The 30 Yr Fixed Rate Purchase also holds steady at 5.75%, with no movement in yield spreads over seven or thirty days.

For buyers prioritizing predictability and lower interest expense, the 15-year fixed option offers a favorable yield spread advantage of 50 basis points compared to the 30-year term. This stability supports budgeting certainty for first-time homebuyers and those aiming to minimize long-term interest payments.

Given unchanged rates, members should evaluate their mortgage strategy carefully; consider fixed-rate loans if you value payment consistency or review refinancing if your current rate exceeds today’s stable offerings. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

On May 4, 2026, the 30-year Fixed-Rate Mortgage for home purchases remains steady at 4.5%, unchanged over the past week and month. This stability in rates reflects a consistent cost of borrowing, with no yield spread fluctuations impacting member affordability. For first-time buyers and those locking in long-term financing, this rate level maintains predictable payment schedules without added rate risk. Members considering refinancing should note that current rates align with recent trends but remain well below highs seen 60 days ago, indicating limited immediate incentive to refinance solely based on rate reductions. Evaluating fixed-rate options is advisable for those prioritizing payment certainty amid market steadiness. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of May 4, 2026, 15-Year Fixed Conforming Purchase loans maintain a steady rate of 4.00%, unchanged over the past week and month. Similarly, the 30-Year Fixed Conforming Purchase rate remains stable at 4.50%, with no movement in the last 7 or 30 days. This stability in rates translates to consistent yield spreads and borrowing costs for homebuyers, particularly benefiting those prioritizing long-term predictability such as first-time buyers and homeowners seeking fixed-rate financing options. The absence of rate fluctuations supports reliable budgeting without unexpected increases in monthly payments. Members evaluating mortgage strategies should consider locking in fixed-rate products to secure current rates amid broader market uncertainties. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.

As of May 4, 2026, mortgage rates at First Financial of Maryland remain stable across key fixed-rate purchase programs. The 15-Year Land Loan holds steady at 6.00%, while the 30-Year Fixed Purchase rate remains at 5.625%, both unchanged over the past week and month. These consistent yields suggest minimal volatility in borrowing costs for members seeking long-term financing options. For first-time buyers or land purchasers, the 6.00% fixed 15-year term offers a predictable repayment schedule without point premiums. Meanwhile, homebuyers targeting extended terms can lock in the lowest available rate today at 5.625% on the 30-year fixed loan, supporting manageable monthly payments despite unchanged spreads.

Members should evaluate their mortgage strategy in light of these stable rates; those valuing payment certainty may prefer fixed-rate options, while others might consider refinancing if current rates align favorably with their existing loans. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

On May 4, 2026, 15 Year Fixed Rate Purchase loans increased by 12.5 basis points to 4.125%, marking a slight rise compared to one week ago but a modest decline over the past month. Meanwhile, the 30 Year Fixed Rate Purchase held steady at 5.375%, reflecting a similar weekly increase of 12.5 basis points but no change from 30 days prior. These movements suggest a marginal uptick in borrowing costs for fixed-rate purchasers, with shorter-term fixed rates remaining the most cost-effective option for members seeking lower yields and quicker amortization. Borrowers prioritizing payment stability should consider the 15 Year Fixed Rate, while those aiming for lower monthly payments may evaluate the longer term despite recent rate shifts. For those weighing refinancing, monitoring these trends can inform timing decisions to optimize long-term savings. For details, visit https://www.hawaiiusafcu.com/resources/planning-tools/rates-fees/mortgage-rates.

On May 4, 2026, Houston Credit Union’s fixed-rate mortgage offerings remain steady, with no change in rates over the past week or month. The 15-year fixed purchase loan holds at a competitive 4.875%, representing the lowest rate available today, while the 30-year fixed purchase loan remains at 5.75%. This stability in yield spreads suggests a consistent cost of borrowing for buyers locking in fixed terms. For members seeking predictable monthly payments and long-term planning certainty, the unchanged fixed rates support evaluating these options carefully. First-time homebuyers and those prioritizing payment stability may find the 15-year fixed term advantageous, given its lower interest rate and shorter amortization period. In contrast, the 30-year fixed product offers extended flexibility without increased rate volatility. Consider your financial goals and mortgage strategy; refinancing could be beneficial if it reduces your overall interest expense despite current rate steadiness. For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.

As of May 4, 2026, 15-Year Fixed Mortgage (Conventional) purchase rates remain steady at 5.875%, holding flat over the past week while reflecting a modest decline of 12.5 basis points compared to 30 days ago. This rate presents the lowest cost of borrowing among today’s options, favoring buyers seeking shorter-term fixed stability and predictable payments.

Meanwhile, the Construction Loan 30-Year Fixed Mortgage for purchases also holds at 6.50%, unchanged over the last week but down 12.5 basis points from one month prior. This longer-term fixed option suits members undertaking new builds, where extended amortization may align better with cash flow planning despite a higher yield spread.

Members should evaluate their mortgage strategies carefully; those valuing rate certainty might prioritize the lower-yield 15-year fixed product, while others with construction financing needs should consider current stable rates in project budgeting. Monitoring these trends can guide timely refinancing or purchase decisions aligned with individual financial goals.

For details, visit https://www.lighthousecu.org/loans/home/mortgages/#rates.

As of May 4, 2026, the 15-Year Fixed Purchase mortgage rate remains steady at 5.875%, unchanged from last week but down 12.5 basis points compared to 30 days ago. This lower yield spread reduces borrowing costs for buyers seeking shorter-term fixed payments. The 30-Year Fixed Purchase rate also holds firm at 6.375%, showing no weekly change but a similar 12.5 basis point decrease over the past month, offering stable long-term financing options.

For members prioritizing predictable payments, the unchanged rates support planning without immediate cost increases. First-time buyers may benefit from evaluating the lower 15-year rates to shorten loan duration and total interest paid, while those considering longer terms should note the modest monthly savings reflected in the 30-year trend.

Given these rate dynamics, it is prudent to assess your mortgage strategy regularly and consider refinancing if potential savings outweigh associated fees.

For details, visit https://www.bayportcu.org/rates/#:~:text=Apply%20now-,MORTGAGE%20RATES,-Fixed%20Rate%20Mortgages.

As of May 4, 2026, fixed-rate mortgages for purchase remain steady. The 15-year fixed purchase rate holds at 4.625%, unchanged from both one and thirty days ago, marking it as the lowest available rate today. Similarly, the 30-year fixed purchase rate stands at 5.25%, with no movement over the past week or month.

Stable rates suggest consistent borrowing costs for buyers locking in longer-term financing. For members prioritizing predictability and lower total interest expense, the 15-year fixed option at 4.625% offers a competitive yield spread versus the 30-year term, which commands a higher rate reflecting increased duration risk.

Members evaluating home purchases should consider these rates relative to their financial horizon; those valuing payment stability may prefer fixed-rate terms without current upward pressure on yields. Given unchanged conditions, it is prudent to review mortgage strategies and consider refinancing only if potential savings exceed associated costs.

For details, visit https://peoplefirst.com/rates/#:~:text=Fixed%2DRate%20Mortgages-,Fixed%2DRate%20Mortgages,-Term

As of May 4, 2026, mortgage rates are trending down, with the 15-Year Fixed Rate Jumbo at 6.022%, down by 10 basis points from yesterday. Over the past week, this loan type has decreased by 6 basis points, indicating a more favorable borrowing environment for short-term financing. The 30-Year Fixed Rate Jumbo currently sits at 6.272%, reflecting a slight decrease of 9 basis points from the previous day. Borrowers seeking to refinance or purchase may find the reduced rates beneficial, particularly with the significant drop in the 15-Year Fixed Rate Jumbo over the past month of 15 basis points. Monitoring these trends is essential for making informed financial decisions.

Current inflation expectations, indicated by the Breakeven Inflation Rates, show a stable outlook with the 10-Year Rate at 2.480% and the 5-Year Rate at 2.690%. These rates influence mortgage rates and borrowing costs; for instance, Mortgage 30Yr Average Rates dropped significantly by 6.30 points, indicating an improved borrowing environment. The largest shifts over time include a 6.46-point decrease in the same rate over the past 30 days, highlighting volatility in the mortgage market. Notably, the lowest recorded mortgage rate is 5.935% for the 30Yr VA Average Rates. Borrowers may benefit from these trends by locking in lower fixed-rate mortgages amidst changing economic conditions.

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