Introduction
On July 9, 2026, mortgage rates showed a mixed but encouraging picture for homebuyers and investors. While some credit unions held steady on their jumbo loan rates, others like Wings Financial saw a slight increase in their 30-year fixed jumbo rate by 25 basis points. Zillow’s data reflects a modest decline in jumbo fixed rates over the past week, with the lowest 15-year fixed jumbo rate at 5.125% from Certified Credit Union standing out as an attractive option. Inflation expectations ticked up slightly according to the Federal Reserve’s breakeven inflation rates, hinting at ongoing economic shifts that could influence borrowing costs. Here’s what you need to know before locking in a rate today.
At a glance
New Purchase - Jumbo 15 yrs Fixed
| Lender | 2026-07-09 Current | 2026-07-02 7 Days Ago | 2026-06-24 15 Days Ago | 2026-06-09 30 Days Ago | 2026-05-25 45 Days Ago | 2026-05-10 60 Days Ago | 2026-04-10 90 Days Ago | 2026-01-10 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CERTIFIED FEDERAL CREDIT UNIONLOWEST | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNION | 5.23%▼ 4 bps | 5.27% | 5.22% | 5.23% | 5.15% | 5.08% | 5.14% | N/A |
| SPACE COAST CREDIT UNION | 5.38% | 5.38% | 5.50% | 5.88% | 6.13% | 6.00% | 6.25% | 5.88% |
| TROPICAL FINANCIAL CREDIT UNION | 5.63% | 5.63% | 5.63% | 5.75% | 5.75% | 5.50% | 5.50% | 5.50% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 5.75%▲ 13 bps | 5.63% | 5.63% | 5.63% | 5.75% | 5.63% | 5.63% | 5.50% |
| NAVY FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.63% | 5.63% | 5.38% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.25% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
New Purchase - Jumbo 30 yrs Fixed
| Lender | 2026-07-09 Current | 2026-07-02 7 Days Ago | 2026-06-24 15 Days Ago | 2026-06-09 30 Days Ago | 2026-05-25 45 Days Ago | 2026-05-10 60 Days Ago | 2026-04-10 90 Days Ago | 2026-01-10 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| PUBLIX EMPLOYEES FEDERAL CREDIT UNIONLOWEST | 5.74%▼ 3 bps | 5.77% | 5.74% | 5.77% | 5.67% | 5.57% | 5.68% | N/A |
| CERTIFIED FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| NUVISION FEDERAL CREDIT UNION | 5.88% | 5.88% | 6.00% | 5.88% | 6.13% | 5.88% | 6.00% | 5.88% |
| TROPICAL FINANCIAL CREDIT UNION | 5.88%▲ 13 bps | 5.75% | 5.75% | 5.88% | 6.00% | 5.63% | 5.63% | 5.63% |
| SPACE COAST CREDIT UNION | 6.13% | 6.13% | 6.25% | 6.63% | 6.88% | 6.75% | 7.00% | 6.63% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 6.25%▲ 13 bps | 6.13% | 6.13% | 6.25% | 6.25% | 6.25% | 6.25% | 6.13% |
| NAVY FEDERAL CREDIT UNION | 6.25% | 6.25% | 7.25% | 7.25% | 7.38% | 7.13% | 7.00% | 6.75% |
| WINGS FINANCIAL CREDIT UNION | 6.38%▲ 25 bps | 6.13% | 6.25% | 6.25% | 6.38% | 6.25% | 6.00% | 5.88% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.75% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
On July 9, 2026, Jumbo 15 Year Fixed mortgage rates for purchase rose by 12.5 basis points to 5.75%, marking an increase over the past week and month. The Jumbo 30 Year Fixed purchase rate also increased by 12.5 basis points week-over-week to 6.25%, holding steady compared to 30 days ago. These shifts reflect a modest rise in the cost of borrowing for high-value home purchases, potentially impacting affordability for buyers seeking longer-term financing or accelerated payoff schedules.
Members considering jumbo loans should evaluate whether a shorter fixed term aligns with their financial goals given the slightly higher yield spreads. Stability-focused borrowers may weigh the benefits of locking in current fixed rates amid recent upward trends. Given these changes, reviewing mortgage strategies, especially refinancing options, could help mitigate long-term interest expenses if savings surpass associated costs.
For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.
CERTIFIED FEDERAL CREDIT UNION
As of July 9, 2026, mortgage rates at CERTIFIED remain stable with no changes over the past week or month. The 15-Year Fixed Purchase loan holds steady at 5.125%, representing the lowest available rate among today’s offerings. Meanwhile, the 30-Year Fixed Purchase loan remains fixed at 5.875%. These unchanged yields indicate consistent borrowing costs for both short- and long-term fixed-rate buyers.
For members prioritizing lower monthly payments and longer amortization, the 30-year fixed provides predictable costs without recent volatility. Conversely, those seeking quicker equity build-up may favor the 15-year fixed, which carries the lowest current rate by a margin of 75 basis points compared to the 30-year term. With rates stable, first-time buyers and investors can assess their mortgage strategy without concern for immediate rate shifts.
Members should consider locking in fixed-rate options if stability is key or evaluate refinancing only when potential savings exceed closing expenses. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
NAVY FEDERAL CREDIT UNION
As of July 9, 2026, Navy Federal Credit Union reports stable mortgage rates for jumbo loan products. The 15-year Fixed Conventional Jumbo rate remains steady at 5.875%, unchanged over the past week and month, reflecting consistent borrowing costs for members seeking shorter-term fixed financing. Conversely, the 30-year Fixed Conventional Jumbo rate holds at 6.25%, showing no change from last week but a notable decrease of 100 basis points compared to 30 days ago, indicating improved affordability for long-term jumbo borrowers.
Members evaluating purchase options may find the current stability in shorter-term rates supportive of predictable budgeting, while those considering longer terms benefit from recent yield spread reductions. Given these trends, members should consider fixed-rate options if stability is a priority and evaluate refinancing opportunities to reduce long-term costs where applicable.
For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
NUVISION FEDERAL CREDIT UNION
On July 9, 2026, the 30-Year Jumbo Fixed Purchase mortgage rate remains steady at 5.875%, unchanged from both one week and one month ago. This stability in rates implies no immediate shift in the cost of borrowing for high-value homebuyers seeking jumbo loans. For members considering jumbo purchases, this consistent yield spread offers predictability in monthly payments and long-term budgeting.
Given the absence of rate fluctuations, prospective buyers can focus on loan qualification factors without concern for rising rates affecting affordability. In contrast, members evaluating refinancing should monitor market conditions for any upcoming rate movements that could impact savings potential.
In summary, consider fixed-rate options if you prioritize payment stability; with no recent rate increase, locking in current terms may protect against future volatility. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
As of July 09, 2026, mortgage rates for PUBLIX EMPLOYEES show modest adjustments. The 15-year fixed purchase loan is at a competitive 5.23%, marking a 4 basis point decrease over the past week, while remaining stable compared to one month ago. This option offers lower overall borrowing costs for members prioritizing quicker payoff schedules. Meanwhile, the 30-year fixed purchase loan stands at 5.74%, down by 3 basis points week-over-week and month-over-month, providing a steady yield spread suitable for buyers seeking predictable payments over a longer term.
Members evaluating home purchases should consider these small but meaningful shifts in yield spreads when structuring financing. For those valuing payment stability, the slight decline in fixed rates may warrant reevaluating mortgage strategies or exploring refinancing if long-term savings offset closing costs.
SECURITY SERVICE FEDERAL CREDIT UNION
As of July 09, 2026, mortgage rates for 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase loans remain stable at 6.375% and 6.875%, respectively. These rates show no change over the past 7 days, indicating steady yield spreads in the jumbo loan market. Compared to 30 days ago, rates are also unchanged, maintaining consistent cost of borrowing for jumbo loan applicants.
For members seeking long-term financing stability, the 15-Year Fixed Jumbo at 6.375% offers the lowest rate option available today, beneficial for those prioritizing accelerated equity build-up without rate volatility. The unchanged rate environment suggests limited short-term refinancing advantage but supports evaluating fixed-rate options for predictable payments.
Members should assess their mortgage strategies carefully; consider refinancing only if projected savings exceed transaction costs or when market shifts present a clear benefit. For details, visit https://www.ssfcu.org/rates/home-loan-rates.
SPACE COAST CREDIT UNION
As of July 09, 2026, 15-year fixed purchase mortgages remain at a competitive 5.375%, unchanged from last week and down 50 basis points over the past month. This sustained decline in shorter-term fixed rates reduces borrowing costs for buyers seeking quicker payoff schedules. Meanwhile, the 30-year fixed purchase rate holds steady at 6.125%, also unchanged weekly but lower by 50 basis points compared to 30 days ago, offering potential savings on long-term financing.
For members prioritizing stability, these consistent rates support locking in predictable payments amid moderate yield spread shifts. First-time homebuyers benefit from these lower rates, while longer terms remain attractive for those balancing monthly affordability with total interest paid.
Given these trends, consider evaluating fixed-rate options to secure current yields or review refinancing opportunities if your existing mortgage rate exceeds today’s benchmarks. For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
TROPICAL FINANCIAL CREDIT UNION
On July 9, 2026, 15-year Jumbo fixed-rate purchase loans remain at a competitive 5.625%, unchanged from last week but down 12.5 basis points compared to 30 days ago, reflecting a modest easing in borrowing costs for higher-balance buyers seeking shorter terms. Meanwhile, the 30-year Jumbo fixed-rate purchase loan rose by 12.5 basis points over the past seven days to 5.875%, holding steady versus one month prior, indicating slightly higher long-term yield spreads in this segment.
For members pursuing jumbo mortgages, these rate dynamics suggest that those prioritizing payment stability may find value in locking the current lower 15-year fixed rate, while others targeting longer terms should monitor recent upward shifts in the 30-year jumbo rate. Evaluating refinancing options could be prudent if cost savings surpass associated fees.
Consider your mortgage strategy carefully; fixed-rate loans offer predictability amid market fluctuations. For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.
WINGS FINANCIAL CREDIT UNION
On July 9, 2026, the 30-Year Fixed Jumbo Loan for home purchases at WINGS FINANCIAL rose by 25 basis points to 6.375%, up from 6.125% a week ago and 12.5 basis points higher than 30 days prior. This increase reflects a modest widening in yield spreads affecting jumbo loan pricing, resulting in a higher cost of borrowing for high-value property buyers. Members seeking jumbo financing should carefully assess their budget impact, especially first-time buyers who may face tighter affordability margins. Given recent volatility, those valuing payment predictability might consider locking fixed rates promptly. Evaluating refinancing remains prudent if current rates exceed your existing loan by more than the associated closing costs.
For details, visit https://www.wingscu.com/rates/mortgages-purchase#main.
Zillow National Average
As of July 9, 2026, mortgage rates reflect a mixed trend. The 15-Year Fixed Rate Jumbo has decreased to 6.188%, down by 0.05 basis points from yesterday and showing a notable decline of 0.25 basis points over the past month. Conversely, the 30-Year Fixed Rate Jumbo remains stable at 6.458%, with no change from the previous day but a slight reduction of 0.12 basis points in the last week. Borrowers may find opportunities with the lower rate on the 15-Year Fixed Rate Jumbo, which could reduce overall borrowing costs significantly compared to other products. It is advisable for potential borrowers to consider these fluctuations when planning their mortgage options.
Federal Reserve Economic Trends
Current inflation expectations, indicated by the Breakeven Inflation Rates, remain stable with the 10-Year at 2.250% and the 5-Year at 2.310%. However, mortgage rates show significant volatility; the 30-Year Average Rate has dropped by 6.43 points over the past week, reflecting a broader trend of increasing affordability for borrowers. The 30-Year FHA Average Rate is currently 6.302%, presenting a competitive option for homebuyers. Additionally, the largest 30-day decline in rates occurred in the Breakeven Inflation Rate 5Yr, which fell by 0.13 points. Borrowers should consider these fluctuations when evaluating loan options, as shifts in rates directly affect borrowing costs and housing market dynamics.
LendMesh
Have you ever wished someone would just simplify the mortgage process? That’s the inspiration behind LendMesh. Our team of advisors has helped buyers and homeowners from all walks of life, and we know how confusing all those rates, terms, and lender choices can be. That’s why we work with a network of credit unions and banks who share our commitment to clarity and transparency. On LendMesh, you’ll find straightforward tools, easy comparisons, and the kind of personalized support that takes the stress out of home loans. Whether you’re buying, refinancing, or just exploring your options, you’re invited to our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans where your questions are always welcome.
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Conclusion
As you consider your next mortgage move, keep in mind that even small changes in interest rates can affect your monthly payments and total loan cost significantly over time. The current landscape offers competitive fixed-rate options around 5.1% to 6.3%, especially among jumbo loans at trusted credit unions like Certified and Aberdeen Proving Ground. If you’re aiming for stability, locking in a 15-year fixed rate near 5.125% could save thousands in interest down the road. However, stay alert to inflation trends and market signals; they may push rates higher in coming months. Thoughtful timing and understanding your financial goals remain key, whether buying a home or refinancing, so weigh your options carefully and plan with confidence for the road ahead.