Introduction
On May 25, 2026, mortgage rates show a steady landscape with pockets of opportunity for homebuyers and investors. While many credit unions hold their ground, a few stand out with competitive offers. If you’re eyeing a shorter term, Eecu’s 15-year fixed conforming loan at 4.0% remains the lowest rate available today. For longer terms, Eecu’s 30-year fixed conforming at 4.5% offers a solid choice without added points. Meanwhile, Zillow reports a slight uptick in jumbo loans, with the 30-year fixed jumbo rate rising by nearly 18 basis points to 6.615% this week. Inflation expectations are easing slightly according to FRED’s breakeven inflation rates, hinting at steadier economic conditions ahead. Here’s what you need to know before locking in a rate.
New Purchase - Conventional 15 yrs Fixed
Lender
2026-05-25
(Current Day)
(Current Day)
2026-05-18
(7 Days Ago)
(7 Days Ago)
2026-05-10
(15 Days Ago)
(15 Days Ago)
2026-04-25
(30 Days Ago)
(30 Days Ago)
2026-04-10
(45 Days Ago)
(45 Days Ago)
2026-03-26
(60 Days Ago)
(60 Days Ago)
2026-02-24
(90 Days Ago)
(90 Days Ago)
2025-11-26
(180 Days Ago)
(180 Days Ago)
5.63%
5.50%
-12.5 bps
5.13%
-50 bps
5.00%
-62.5 bps
5.13%
-50 bps
5.25%
-37.5 bps
4.75%
-87.5 bps
4.75%
-87.5 bps
4.63%
4.63%
4.13%
-50 bps
3.88%
-75 bps
4.25%
-37.5 bps
4.38%
-25 bps
3.75%
-87.5 bps
7.49%
4.88%
-261.5 bps
7.49%
4.88%
-261.5 bps
4.88%
-261.5 bps
4.88%
-261.5 bps
4.88%
-261.5 bps
7.49%
5.50%
5.38%
-12.5 bps
5.25%
-25 bps
5.38%
-12.5 bps
5.50%
5.38%
-12.5 bps
5.00%
-50 bps
6.13%
6.13%
5.88%
-25 bps
5.75%
-37.5 bps
6.00%
-12.5 bps
6.13%
5.75%
-37.5 bps
5.88%
-25 bps
New Purchase - Conventional 30 yrs Fixed
Lender
2026-05-25
(Current Day)
(Current Day)
2026-05-18
(7 Days Ago)
(7 Days Ago)
2026-05-10
(15 Days Ago)
(15 Days Ago)
2026-04-25
(30 Days Ago)
(30 Days Ago)
2026-04-10
(45 Days Ago)
(45 Days Ago)
2026-03-26
(60 Days Ago)
(60 Days Ago)
2026-02-24
(90 Days Ago)
(90 Days Ago)
2025-11-26
(180 Days Ago)
(180 Days Ago)
6.13%
6.13%
6.00%
-12.5 bps
5.88%
-25 bps
6.00%
-12.5 bps
5.88%
-25 bps
5.63%
-50 bps
5.63%
-50 bps
5.63%
5.63%
5.38%
-25 bps
5.25%
-37.5 bps
5.38%
-25 bps
5.38%
-25 bps
4.75%
-87.5 bps
6.13%
6.00%
-12.5 bps
5.88%
-25 bps
6.00%
-12.5 bps
6.13%
6.00%
-12.5 bps
5.75%
-37.5 bps
6.63%
6.63%
6.38%
-25 bps
6.25%
-37.5 bps
6.38%
-25 bps
6.50%
-12.5 bps
5.99%
-63.5 bps
6.38%
-25 bps
ALOHA PACIFIC FEDERAL CREDIT UNION
As of May 25, 2026, ALOHA PACIFIC members will find that mortgage rates remain stable across key purchase loan options. The 15 Year Conforming Fixed Purchase loan holds steady at 4.5%, representing the lowest rate available today with no change in yield spread over the past 7 and 30 days. Similarly, the 30 Year Conforming Fixed Purchase loan remains fixed at 5.0%, showing no movement in cost of borrowing during this period.
For first-time buyers prioritizing shorter-term loans, the consistent 4.5% rate on the 15-year fixed product offers predictable payments and potentially lower total interest. Those seeking longer amortization will note that the 30-year fixed rate stability supports long-term budgeting without unexpected rate shifts.
Members should consider locking in these rates if they value certainty or evaluate refinancing strategies if current balances and terms suggest savings exceeding transaction costs. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.
AMERICA'S FIRST FEDERAL CREDIT UNION
As of May 25, 2026, mortgage rates remain stable across key products at AMERICA'S FIRST. The 15 Yr Fixed Rate In-House Purchase loan holds the lowest rate at 5.25%, unchanged over the past week and month, maintaining a consistent borrowing cost for members seeking shorter-term fixed financing. Similarly, the 30 Yr Fixed Rate Purchase loan stands at 5.75%, with no change versus last week or the previous 30 days, offering predictable yield spreads for long-term homebuyers.
This stability benefits first-time buyers and those prioritizing budget certainty. For members weighing purchase options, fixed-rate programs provide clarity amid a steady rate environment. Given unchanged rates, it remains prudent to evaluate mortgage strategy carefully; consider fixed-rate loans if you value payment stability or explore refinancing only when potential savings exceed transaction costs.
For details, visit https://www.amfirst.org/loans/home/buy-a-home/.
COAST CENTRAL CREDIT UNION
As of May 25, 2026, the 30-Year Fixed Purchase Loan remains at 6.5%, unchanged from one week ago but up by 200 basis points compared to 30 days prior. This substantial increase in yield spreads reflects a notable rise in the cost of borrowing over the past month. For prospective homebuyers, particularly first-time buyers, this higher rate environment may impact affordability and monthly payments. Veterans and those considering refinancing should monitor these trends closely, as stable fixed rates could offer predictability amid market fluctuations. Members are advised to evaluate their mortgage strategies carefully; locking in a fixed-rate loan now may mitigate further rate volatility. Additionally, consider refinancing only if projected savings exceed associated costs given current elevated rates. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EECU CREDIT UNION
As of May 25, 2026, mortgage rates at EECU remain stable across key fixed-rate purchase products. The 15-Year Fixed Conforming loan holds steady at 4.00%, unchanged over the past week and month, reflecting consistent yield spreads and borrowing costs for shorter-term financing. Similarly, the 30-Year Fixed Conforming purchase rate remains at 4.50%, with no movement in the last 7 or 30 days, maintaining its position as the higher-rate but longer-term option.
For members prioritizing payment stability and long-term budgeting, these unchanged rates suggest minimal volatility in financing costs. First-time buyers and those seeking predictability may find the 15-Year Fixed option advantageous due to its lower rate. Meanwhile, the 30-Year Fixed continues to balance affordability with extended amortization.
Given this rate stability, members should consider their mortgage strategy carefully; evaluate fixed-rate loans if you value payment certainty or explore refinancing only if potential savings clearly exceed associated costs.
For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of May 25, 2026, mortgage rates at First Financial of Maryland remain steady with no changes over the past week or month. The 15-Year Land Loan and the 30-Year Fixed Purchase loans both hold firm at 6.0% and 5.625%, respectively. These unchanged yields indicate stable borrowing costs for members seeking fixed-rate purchase options. For first-time buyers or those prioritizing long-term payment predictability, the 30-Year Fixed Purchase loan offers the lowest rate available today. Given the current yield stability, members should consider their financial horizon carefully; fixed-rate loans provide cost certainty amid a flat rate environment. Evaluating refinancing opportunities remains prudent when potential savings surpass associated costs. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
As of May 25, 2026, 15-Year Fixed Purchase mortgage rates have increased by 12.5 basis points to 5.625%, reflecting a notable rise in yield spreads compared to one week ago and a larger 62.5 basis points increase over the past 30 days. This shift raises the cost of borrowing for borrowers seeking shorter-term stability. Meanwhile, the 30-Year Fixed Purchase rate remains steady at 6.125%, unchanged from last week but up 25 basis points month-over-month, indicating relative stability for longer-term financing.
For members prioritizing predictable payments, the rising 15-Year Fixed rate suggests evaluating fixed-rate options carefully. First-time buyers should weigh upfront points against long-term savings, while those considering refinancing may want to assess if potential interest reductions offset closing costs given current rate trends.
Consider your mortgage strategy based on these evolving rates; if refinancing, ensure savings exceed associated expenses. For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HAWAIIUSA FEDERAL CREDIT UNION
As of May 25, 2026, 15 Year Fixed Rate Purchase loans hold the lowest rate at 4.625%, unchanged from one week ago but up 75 basis points compared to 30 days prior. This increase raises the cost of borrowing for buyers preferring shorter-term fixed loans. Meanwhile, the 30 Year Fixed Rate Purchase remains steady at 5.625%, also unchanged over the past week but up 37.5 basis points month-over-month, reflecting modest upward pressure on longer-term mortgage yields.
For first-time buyers and those seeking predictability, locking in a 15-year fixed rate may mitigate future rate risk despite higher monthly payments. Conversely, borrowers considering longer amortization should evaluate if current rates align with their financial goals given recent increases. Members weighing refinancing should assess whether potential savings justify transaction costs amid these stable yet elevated rates.
Consider your mortgage strategy carefully; fixed-rate options offer stability in a rising-rate environment. For details, visit https://www.hawaiiusafcu.com/resources/planning-tools/rates-fees/mortgage-rates.
HOUSTON FEDERAL CREDIT UNION
On May 25, 2026, Houston Credit Union reports stable mortgage rates for key loan products. The 30-Year Fixed Purchase rate remains steady at 5.75%, unchanged over the past week and month, offering consistent cost of borrowing for homebuyers seeking long-term stability. Conversely, the 15-Year Fixed Home Improvement Loan shows a significant increase to 7.49%, up by 261.5 basis points compared to one week ago and 30 days ago, indicating a notable rise in yield spreads that may impact borrowers planning renovations.
For members focused on predictable payments, the unchanged 30-Year Fixed Purchase rate provides a reliable benchmark. However, those considering home improvement financing should evaluate the increased rate environment carefully against project timelines and budget constraints. Given these dynamics, it is prudent to assess your mortgage strategy and consider fixed-rate options if you prioritize payment stability or refinance if projected savings outweigh associated costs.
For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
MUNICIPAL EMPL.CREDIT UNION OF BALT CREDIT UNION
As of May 25, 2026, 15-year fixed rate purchase loans stand at 5.50%, up 12.5 basis points from one week ago and also increased by the same margin compared to 30 days prior. Meanwhile, 30-year fixed rate purchase loans rose to 6.125%, reflecting a similar weekly and monthly increase of 12.5 basis points each. These upward shifts in rates indicate a modest rise in borrowing costs, which may affect affordability for first-time homebuyers and those seeking longer-term financing stability. Members prioritizing predictable payments might consider fixed-rate options given current yield spreads. With incremental rate increases over the past month, homeowners evaluating refinancing should weigh potential savings against closing costs carefully. For details, visit https://www.mecu.com/Learn/Resources/Rates/Mortgage-Loan-Rates.
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of May 25, 2026, 15-Year Fixed Purchase and 30-Year Fixed Purchase mortgage rates remain unchanged from last week at 6.125% and 6.625%, respectively. Both rates have increased by 37.5 basis points compared to 30 days ago, reflecting a moderate upward shift in yield spreads over the past month. The 15-Year Fixed option currently offers the lowest rate, which may benefit members prioritizing lower overall interest costs and faster amortization. For first-time buyers or those seeking predictable payments, maintaining fixed-rate terms provides cost certainty amid recent rate volatility. Given these dynamics, members should carefully evaluate refinancing possibilities if potential savings exceed transaction costs or consider fixed-rate options to manage long-term borrowing expenses effectively.
Zillow National Average
As of May 25, 2026, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo decreased to 6.237%, down by 0.10% from yesterday and up 0.06% from last week. In contrast, the 30-Year Fixed Rate Jumbo increased to 6.615%, reflecting a rise of 0.14% in just one day and an increase of 0.18% over the past week. Borrowers may find that while short-term rates for 15-year loans are slightly lower, long-term borrowing costs for 30-year loans have risen recently. This situation highlights the importance of timing in mortgage decisions, particularly for those considering refinancing or purchasing a home.
Federal Reserve Economic Trends
As of today, the Breakeven Inflation Rate for 10 years is stable at 2.400%, reflecting consistent inflation expectations that influence mortgage rates and borrowing costs. Notably, the Mortgage 30Yr Jumbo Average Rates experienced significant declines, dropping by 6.64 points in one day, indicating a substantial reduction in borrowing costs. Over the past week and month, this rate has decreased by 6.60 points and 6.54 points, respectively, making it a favorable time for borrowers seeking lower rates. The lowest reported mortgage rate is 6.152% for 30Yr VA loans. Borrowers should consider these shifts as they evaluate their financing options amidst changing market conditions.
LendMesh
At LendMesh, we believe everyone deserves a mortgage experience that’s transparent, supportive, and tailored to their needs. That’s why we’ve built a platform that does more than just list rates—it empowers you with financial knowledge, trusted lender connections, and honest answers. Whether you’re comparing credit unions or banks, planning your next move, or just starting to think about homeownership, our tools and resources are designed with you in mind. Don’t let uncertainty hold you back—visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans to discover how easy, informative, and rewarding the mortgage process can be.
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Conclusion
As you weigh your options, remember that even small shifts in interest rates can ripple through your finances over time. A difference of just one-tenth of a percent on a 30-year loan can add hundreds to your monthly payment and thousands in total interest. With some credit unions holding rates steady and others showing minor increases, like Hawaii State’s slight rise on their 15-year fixed, the key is timing and fit for your financial goals. Whether you’re buying your first home or refinancing an existing mortgage, focus on the lowest stable rate that matches your term preference, and don’t overlook lender fees or points which impact overall costs. Staying informed about broader economic signals like inflation trends can help you anticipate future moves and make smarter borrowing decisions. Keep your eye on value and long-term affordability; that approach will serve you best in today’s evolving market.