Introduction
As of June 1, 2026, mortgage rates show signs of subtle shifts worth your attention. Whether you’re eyeing a new home or considering refinancing, today’s data offers a mixed bag of stability and small declines. The lowest rate on the market right now comes from Eecu with a 4.0% 15-Year Fixed Conforming purchase loan, standing out as a strong option for disciplined buyers. Meanwhile, Zillow reports a slight uptick in jumbo 30-year fixed rates to 6.544%, reflecting cautious optimism in higher-end markets. The Federal Reserve’s inflation breakeven rates are gently easing, hinting at possible easing pressure on long-term borrowing costs. Here’s what you need to know before locking in a rate, small changes can add up, so understanding where the best deals lie could save you thousands over time.
New Purchase - Conventional 15 yrs Fixed
Lender
2026-06-01
(Current Day)
(Current Day)
2026-05-25
(7 Days Ago)
(7 Days Ago)
2026-05-17
(15 Days Ago)
(15 Days Ago)
2026-05-02
(30 Days Ago)
(30 Days Ago)
2026-04-17
(45 Days Ago)
(45 Days Ago)
2026-04-02
(60 Days Ago)
(60 Days Ago)
2026-03-03
(90 Days Ago)
(90 Days Ago)
2025-12-03
(180 Days Ago)
(180 Days Ago)
5.38%
5.63%
+25 bps
5.25%
-12.5 bps
5.13%
-25 bps
5.13%
-25 bps
5.13%
-25 bps
4.88%
-50 bps
4.88%
-50 bps
4.50%
4.63%
+12.5 bps
4.00%
-50 bps
4.00%
-50 bps
3.88%
-62.5 bps
4.25%
-25 bps
3.75%
-75 bps
5.88%
6.25%
+37.5 bps
6.13%
+25 bps
5.88%
5.88%
6.00%
+12.5 bps
5.50%
-37.5 bps
5.50%
-37.5 bps
5.50%
5.50%
5.38%
-12.5 bps
5.25%
-25 bps
5.38%
-12.5 bps
5.50%
5.00%
-50 bps
New Purchase - Conventional 30 yrs Fixed
Lender
2026-06-01
(Current Day)
(Current Day)
2026-05-25
(7 Days Ago)
(7 Days Ago)
2026-05-17
(15 Days Ago)
(15 Days Ago)
2026-05-02
(30 Days Ago)
(30 Days Ago)
2026-04-17
(45 Days Ago)
(45 Days Ago)
2026-04-02
(60 Days Ago)
(60 Days Ago)
2026-03-03
(90 Days Ago)
(90 Days Ago)
2025-12-03
(180 Days Ago)
(180 Days Ago)
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.00%
5.88%
-12.5 bps
6.00%
5.38%
-62.5 bps
5.38%
-62.5 bps
5.38%
5.63%
+25 bps
5.38%
5.25%
-12.5 bps
5.13%
-25 bps
5.25%
-12.5 bps
4.75%
-62.5 bps
5.88%
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
6.13%
+25 bps
6.50%
6.75%
+25 bps
6.63%
+12.5 bps
6.50%
6.50%
6.63%
+12.5 bps
5.88%
-62.5 bps
6.13%
-37.5 bps
6.13%
6.13%
6.00%
-12.5 bps
5.88%
-25 bps
6.00%
-12.5 bps
6.13%
5.75%
-37.5 bps
ALOHA PACIFIC FEDERAL CREDIT UNION
As of June 1, 2026, mortgage rates for ALOHA PACIFIC members remain steady across key fixed-rate purchase options. The 15 Year Conforming Fixed Purchase loan holds the lowest rate at 4.5%, unchanged from both one week and one month ago, indicating stable yield spreads and borrowing costs for shorter-term fixed loans. Similarly, the 30 Year Conforming Fixed Purchase rate persists at 5.0%, with no movement over recent weeks.
For buyers prioritizing payment stability, the consistent rates on these fixed products suggest a predictable cost environment. First-time homebuyers and long-term planners may find value in locking these rates to mitigate future market volatility. Given the absence of rate fluctuations, members should evaluate their mortgage strategy carefully; consider fixed-rate options if you value stability or assess refinancing only if projected savings surpass associated costs.
For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.
AMERICA'S FIRST FEDERAL CREDIT UNION
On June 1, 2026, AMERICA'S FIRST reports stable mortgage rates across key loan products. The 15-Year Fixed Rate In-House Purchase remains at a competitive 5.25%, holding steady over the past 7 and 30 days with no basis point changes, marking it as the lowest rate option available today. Meanwhile, the 30-Year Fixed Rate Purchase persists at 5.75%, unchanged from one week and one month ago, maintaining consistent yield spreads.
These static rates imply predictable borrowing costs for members considering home purchases. First-time buyers may find value in the lower-rate 15-year fixed option to reduce interest expense over time, while those prioritizing long-term affordability might evaluate the fixed 30-year product’s stability despite a higher rate. Given no recent upward pressure on rates, members should assess whether fixed-rate loans align with their financial plans.
For actionable strategy, consider locking in current fixed rates to mitigate future market volatility or evaluate your mortgage structure against personal timelines and cost tolerance. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.
COAST CENTRAL CREDIT UNION
As of June 1, 2026, the 30-Year Fixed Purchase Loan holds steady at a rate of 6.5%, showing no change over the past week but a significant increase of 200 basis points compared to 30 days ago. This rise in yield spreads notably impacts borrowing costs, particularly for first-time buyers assessing affordability and long-term financial commitments. Veterans and other borrowers considering refinancing should carefully evaluate if current rates align with their financial goals, as the elevated rate environment increases monthly payment obligations.
Members prioritizing payment stability may find fixed-rate options appropriate amid these shifts, while those exploring refinancing should analyze potential savings against closing costs. Given the recent upward trend, a data-driven mortgage strategy is essential to optimize loan terms and manage total financing expenses effectively. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EECU CREDIT UNION
On June 1, 2026, EECU reports stable mortgage rates for key purchase loan products. The 15-Year Fixed Conforming loan holds at 4.0%, maintaining its position as the lowest rate available today with no change over the past 7 or 30 days. Similarly, the 30-Year Fixed Conforming rate remains steady at 4.5%, reflecting unchanged yield spreads and borrowing costs in recent weeks.
For members prioritizing predictability and long-term budgeting, these fixed-rate options provide consistent payment structures without recent volatility. First-time buyers may find the 15-year fixed advantageous for faster equity build-up at a lower rate. Meanwhile, those seeking longer terms can evaluate the 30-year fixed to balance affordability and monthly cash flow.
Given the current stability, members should consider locking rates if planning a purchase soon or review refinancing possibilities where long-term savings surpass closing costs. Data-driven decisions around fixed-rate products remain prudent under present market conditions.
For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of June 1, 2026, fixed-rate mortgage products at First Financial of Maryland remain stable. The 15-year Land Loan fixed rate holds steady at 6.00%, unchanged over the past 7 and 30 days, reflecting consistent yield spreads for shorter-term financing. Similarly, the 30-year fixed purchase loan remains at a competitive 5.625%, with no movement in the last week or month, preserving borrowing costs for long-term homebuyers.
These unchanged rates suggest predictable borrowing expenses, benefiting members prioritizing payment stability. First-time buyers may find the 30-year fixed option advantageous due to its lower rate and extended term, while those seeking quicker equity accumulation might consider the 15-year land loan despite its higher rate. Veterans or refinance-focused members should monitor market shifts as no VA or refinance programs are listed today.
Given current conditions, members should evaluate fixed-rate options if stability is a priority and consider refinancing only when potential savings surpass transaction costs. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
As of June 1, 2026, 15-Year Fixed Purchase mortgage rates stand at 5.375%, down 25 basis points from last week but up 25 basis points compared to 30 days ago. This yield spread tightening reduces the cost of borrowing for borrowers prioritizing shorter terms and faster equity buildup. Meanwhile, the 30-Year Fixed Purchase rate holds steady at 6.0%, a modest decline of 12.5 basis points over seven days with no change over the past month, maintaining stability for those seeking longer amortization.
Members considering home purchases should weigh the recent decline in shorter-term fixed rates against stable 30-year pricing; those valuing payment consistency might favor fixed options amid moderate market fluctuations. Evaluating your mortgage strategy with current yield spreads can inform decisions on loan term selection and timing.
For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HAWAIIUSA FEDERAL CREDIT UNION
On June 1, 2026, 15 Year Fixed Rate Purchase loans are available at a competitive 4.5%, representing the lowest rate among today’s offerings. This reflects a 12.5 basis point decrease from one week ago but a notable 50 basis point increase compared to 30 days prior. Meanwhile, 30 Year Fixed Rate Purchase loans stand at 5.375%, down 25 basis points over the past week yet up slightly by 12.5 basis points versus last month.
These shifts imply a modest tightening in borrowing costs for longer-term loans while shorter-term fixed rates offer some relief compared to recent weeks. Members prioritizing payment stability may find the 15-year fixed product advantageous due to lower rates and reduced interest exposure. Conversely, those considering larger loan amounts or extended terms should assess whether recent yield spread changes impact overall affordability.
Evaluating these trends can inform decisions about locking in fixed rates or exploring refinancing strategies to optimize long-term financial outcomes. Consider your mortgage strategy carefully based on current rate dynamics and personal financial goals.
HOUSTON FEDERAL CREDIT UNION
As of June 1, 2026, the 30-Year Fixed Purchase mortgage rate stands at 5.875%, up by 12.5 basis points from last week and showing a modest increase over the past month. This upward movement indicates a slight rise in the cost of borrowing for new homebuyers seeking long-term stability. Meanwhile, the 15-Year Fixed Home Improvement Loan rate remains steady at 7.49%, reflecting a significant increase of over 260 basis points compared to 30 days ago, which may impact members financing renovations or upgrades.
For members prioritizing rate predictability, especially first-time buyers and those undertaking home improvements, evaluating fixed-rate options is advisable amid these yield spreads. Given current trends, consider refinancing only if potential savings outweigh associated costs and align with your financial goals.
For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
LIGHTHOUSE FEDERAL CREDIT UNION
On June 1, 2026, 15-Year Fixed Mortgage (Conventional) purchase rates decreased by 37.5 basis points from last week to 5.875%, maintaining stability over the past month. This reduction lowers the cost of borrowing for buyers seeking shorter-term fixed-rate options, benefiting those aiming to build equity faster with predictable payments. Meanwhile, the Construction Loan 30-Year Fixed Mortgage also saw a decline of 25 basis points week-over-week to 6.5%, remaining steady compared to 30 days ago. This rate movement may influence builders and buyers planning new construction projects to reassess financing costs amid stable yield spreads.
Members focused on fixed-rate purchases should consider locking in current rates given recent declines; evaluating long-term mortgage strategies is advisable to manage interest expenses effectively. For details, visit https://www.lighthousecu.org/loans/home/mortgages/#rates.
MUNICIPAL EMPL.CREDIT UNION OF BALT CREDIT UNION
As of June 1, 2026, 15-year fixed rate purchase loans remain at 5.50%, unchanged over the past week but increased by 25 basis points compared to 30 days ago. Similarly, the 30-year fixed rate purchase loans hold steady at 6.125%, with no change in the last 7 days and a 25 basis point rise from one month prior. These yield spreads indicate a modest upward trend in borrowing costs over the past month, impacting affordability for new buyers prioritizing longer-term financing.
Members considering stability may find value in the 15-year fixed rate, which offers lower rates despite a shorter term, potentially reducing overall interest expenses. Given these rate movements, it is prudent for prospective purchasers to evaluate their mortgage strategy carefully and consider fixed-rate options if predictability is essential. For those reviewing refinancing possibilities, weigh potential savings against current rate trends.
For details, visit https://www.mecu.com/Learn/Resources/Rates/Mortgage-Loan-Rates.
Zillow National Average
As of June 1, 2026, mortgage rates have generally increased. The 15-Year Fixed Rate Jumbo now stands at 6.370%, up by 30 basis points from yesterday and 25 basis points over the past month. In contrast, the 30-Year Fixed Rate Jumbo is at 6.544%, reflecting a smaller increase of 18 basis points in the last day but a more significant rise of 26 basis points over the past two months. Borrowers should be aware that these upward trends in rates can lead to higher costs of borrowing, potentially impacting affordability for new loans. Staying informed on these changes is crucial for making timely financial decisions.
Federal Reserve Economic Trends
As of June 1, 2026, inflation expectations remain stable, with the Breakeven Inflation Rate 10Yr at 2.380% and the 5Yr rate at 2.520%. The recent decrease in Mortgage 30Yr Average Rates, down by 6.53 points in one day and 6.30 points over the past month, signals a significant reduction in borrowing costs for consumers. Meanwhile, the lowest mortgage rate observed is the 15-Year Average Rate, currently at 5.870%. These shifts in rates reflect evolving market conditions influenced by inflation signals; borrowers should consider these trends when evaluating their financing options, as lower rates can lead to more favorable loan terms and overall affordability.
LendMesh
Imagine waking up in your dream home, knowing you made a smart financial decision to get there. At LendMesh, that’s the kind of experience we want every homebuyer to have. We’ve built partnerships with credit unions and respected banks across the country, so you can compare rates and programs all in one place—without the usual confusion or fine print. Whether you’re taking your first steps into homeownership or considering a refinance, our resources are designed to answer your questions and help you feel confident at every turn. Ready to start your journey? Explore today’s top mortgage rates, find helpful tips, and see how much you could save by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story deserves a strong beginning, and we’re here to help you write it.
Conclusion
Looking ahead, keep an eye on these modest movements in mortgage rates, they may feel small now but can significantly impact monthly payments and total interest paid. For example, a quarter-point drop on a 30-year fixed loan could reduce your monthly payment by several hundred dollars. If you qualify for the 4.0% 15-Year Fixed Conforming rate at Eecu, it’s worth serious consideration; shorter terms like this help build equity faster and lower overall interest costs. For buyers targeting jumbo loans or longer terms, weighing current trends against personal financial goals is key. Remember, locking in a competitive rate today can shield you from future hikes as economic conditions evolve. Stay informed and deliberate, your home financing decisions are some of the most important steps toward lasting financial security.