Introduction
On August 17, 2026, mortgage rates offer a fresh perspective for buyers and homeowners ready to take the next step. After some shifts in recent weeks, today's market shows stability with a few standout opportunities. The lowest rate sits at 4.0% for a 15-year fixed loan at Eecu, marking a notable drop from last week and presenting a strong option for those seeking shorter-term savings. Meanwhile, Zillow’s jumbo loan rates have eased slightly, with the 30-year fixed jumbo rate at 6.514% and the 15-year jumbo fixed at 6.205%, both inching lower over the past seven days. Inflation indicators remain steady, suggesting that borrowing costs could hold firm in the near term. Here’s what you need to know before locking in a rate, understanding these nuances can save you thousands over your loan’s lifetime.
At a glance
New Purchase - Conventional 15 yrs Fixed
| Lender | 2026-08-17 Current | 2026-08-10 7 Days Ago | 2026-08-02 15 Days Ago | 2026-07-18 30 Days Ago | 2026-07-03 45 Days Ago | 2026-06-18 60 Days Ago | 2026-05-19 90 Days Ago | 2026-02-18 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| EECU CREDIT UNIONLOWEST | 4.00%▼ 221 bps | 6.21% | 4.00% | 4.00% | 4.00% | 5.96% | 4.00% | 4.00% |
| FAMILY TRUST FEDERAL CREDIT UNION | 5.00% | 5.00% | 4.63% | 4.63% | 4.63% | 4.63% | 5.04% | 4.71% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 5.00%▲ 25 bps | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% | 6.00% | 6.00% |
| CERTIFIED FEDERAL CREDIT UNION | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% |
| HOUSTON FEDERAL CREDIT UNION | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.00% | 7.49% | 7.49% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
| SILVER STATE SCHOOLS CREDIT UNION | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
| HAWAII STATE FEDERAL CREDIT UNION | 5.50%▼ 12 bps | 5.63% | 5.63% | 5.50% | 5.38% | 5.25% | 5.50% | 4.75% |
| ALABAMA CREDIT UNION | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.50% | 5.50% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
New Purchase - Conventional 30 yrs Fixed
| Lender | 2026-08-17 Current | 2026-08-10 7 Days Ago | 2026-08-02 15 Days Ago | 2026-07-18 30 Days Ago | 2026-07-03 45 Days Ago | 2026-06-18 60 Days Ago | 2026-05-19 90 Days Ago | 2026-02-18 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| COAST CENTRAL CREDIT UNIONLOWEST | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 6.50% | 6.50% |
| EECU CREDIT UNIONLOWEST | 4.50% | N/A | 4.50% | 4.50% | 4.50% | N/A | 4.50% | 4.50% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.88% |
| SILVER STATE SCHOOLS CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% |
| CERTIFIED FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| FAMILY TRUST FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.50% | 5.50% | 5.50% | 5.50% | 5.85% | 5.50% |
| HOUSTON FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.75% | 5.75% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 6.13%▲ 25 bps | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.63% | 5.63% |
| HAWAII STATE FEDERAL CREDIT UNION | 6.13%▼ 12 bps | 6.25% | 6.25% | 6.13% | 6.00% | 5.88% | 6.13% | 5.38% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
ALABAMA CREDIT UNION
As of August 17, 2026, the 15 Year Fixed, First Mortgage purchase rate remains steady at 5.625% with 0.5 points, unchanged from both one week and one month ago. This stability in rates suggests consistent yield spreads and borrowing costs for homebuyers locking in shorter-term fixed-rate mortgages. For members prioritizing predictable payments and faster equity buildup, maintaining a fixed-rate option at this level supports long-term financial planning without immediate rate volatility.
First-time buyers benefit from this consistency by having clear budgeting parameters; however, veterans or refinancing applicants should monitor market shifts for opportunities in other loan categories not listed today. Given no recent movement in this product’s rates, members might consider evaluating their mortgage strategies carefully, particularly if seeking to reduce overall interest expense or balance monthly cash flow.
Consider fixed-rate options if you value payment stability and evaluate refinancing only if potential savings exceed associated costs. For details, visit https://www.alabamacu.com/lending/home-loans/mortgage-rates.
CERTIFIED FEDERAL CREDIT UNION
As of August 17, 2026, fixed-rate mortgage yields for purchase loans remain stable. The 15-Year Fixed and 30-Year Fixed purchase rates hold steady at 5.125% and 5.875%, respectively, unchanged from both one week and one month ago. This rate consistency means the cost of borrowing has not fluctuated recently, providing predictable payment structures for borrowers prioritizing long-term budget certainty.
For first-time buyers evaluating affordability, the 15-Year Fixed offers the lowest yield at 5.125%, potentially reducing total interest paid over the loan term. Those seeking extended repayment terms can consider the 30-Year Fixed at 5.875%, understanding the trade-off between lower monthly payments and higher overall interest expense.
Members should assess their mortgage strategies in light of this rate stability; locking in a fixed rate may be advantageous if future market volatility is a concern. Additionally, refinancing decisions should weigh current rates against existing loan terms to ensure net savings justify transaction costs.
For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
COAST CENTRAL CREDIT UNION
As of August 17, 2026, the 30-year Fixed-Rate Mortgage for home purchases remains steady at a 4.50% interest rate, unchanged over the past week and month. This stability in rates means that borrowing costs have held firm, providing predictable yield spreads for buyers locking in long-term financing. For first-time homebuyers and those prioritizing payment certainty, this consistent fixed-rate mortgage offers clarity in budgeting without exposure to interest rate fluctuations. While no refinancing options are currently reflected here, members should evaluate their mortgage strategy in light of stable fixed rates; considering fixed-rate products may be prudent if you value long-term cost predictability. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EECU CREDIT UNION
As of August 17, 2026, the 15 Year Fixed Conforming Purchase mortgage rate stands at a notably low 4.0%, marking a significant decrease of 221.5 basis points compared to one week ago. Over the past 30 days, rates have remained stable with no change in yield spread. This reduction in borrowing cost can benefit homebuyers seeking shorter-term fixed-rate loans by lowering monthly payments and overall interest expense.
Members considering purchase financing should weigh the advantages of locking in this historically low fixed rate to secure predictable payments. Given the stability over the last month, borrowers valuing payment certainty may find these terms advantageous. Those exploring refinancing options should evaluate whether current rates justify initiating a new loan or adjusting their mortgage strategy.
For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.
FAMILY TRUST FEDERAL CREDIT UNION
As of August 17, 2026, FAMILY TRUST reports stable mortgage rates for purchase loans in fixed categories. The 15-Year Fixed Rate Purchase remains at 5.0%, unchanged over the past week but increased by 37.5 basis points compared to 30 days ago. This rate offers a lower yield spread versus the longer-term option, presenting a cost-efficient choice for members prioritizing faster equity build-up and reduced total interest.
The 30-Year Fixed Rate Purchase holds steady at 5.875%, with no change from last week but up by 37.5 basis points month-over-month. This product may suit buyers seeking predictable monthly payments despite higher overall borrowing costs.
Members should consider fixed-rate mortgages if stability in payments is a priority amid recent upward trends. Evaluating refinancing options is advisable when long-term savings surpass transaction expenses.
For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of August 17, 2026, 15-Year Fixed Purchase mortgage rates have increased by 25 basis points, now at 5.00%, up from 4.75% one week ago. Similarly, the 30-Year Fixed Purchase rate rose by 25 basis points to 6.125%, marking the highest level in 30 days. These upward shifts impact borrowing costs, especially for homebuyers prioritizing long-term stability; the 15-year fixed option remains the lowest rate available, offering reduced total interest despite a shorter term. First-time buyers and those seeking predictable payments should weigh these changes against potential budget constraints. Given recent yield spread expansions, members might consider locking in current rates or evaluating refinancing if their existing loans exceed today’s offerings by a meaningful margin. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
As of August 17, 2026, HAWAII STATE credit union reports a modest decline in mortgage rates for purchase loans with fixed terms. The 15-Year Fixed Purchase rate stands at 5.5% with 1.75 points, down by 12.5 basis points compared to one week ago, matching its level from 30 days prior. Similarly, the 30-Year Fixed Purchase rate is currently 6.125% with 1.75 points, also decreased by 12.5 basis points over the past week and stable versus one month ago.
For members prioritizing predictability and long-term planning, these slight reductions in yield spreads can lower the overall cost of borrowing, particularly benefiting first-time homebuyers or those locking in rates for an extended period. Given recent stability after short-term declines, evaluating fixed-rate options may offer financial clarity amid market fluctuations.
Members should consider their individual timelines and financial goals; for instance, shorter loan terms typically offer lower rates but higher monthly payments. Reviewing refinancing possibilities could be advantageous if projected savings surpass associated costs.
For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HOUSTON FEDERAL CREDIT UNION
As of August 17, 2026, Houston credit union reports stable mortgage rates for fixed-rate purchase loans. The 15-year fixed purchase rate remains at 5.125%, unchanged over the past week and month, representing the lowest rate among current options. Similarly, the 30-year fixed purchase rate holds steady at 5.875%, with no change in yield spreads over recent weeks. This stability in borrowing costs benefits buyers seeking predictable payment structures; first-time homebuyers may find the 15-year fixed appealing for accelerated equity buildup, while longer-term planners might prefer the 30-year fixed for lower monthly obligations. Given unchanged rates, members should carefully evaluate their mortgage strategy and consider locking in current fixed rates if they value payment certainty. For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of August 17, 2026, 15-Year Fixed-Rate Mortgage and 30-Year Fixed-Rate Mortgage purchase rates remain steady at 5.25% and 5.50%, respectively. Both products show no change from one week ago, indicating stable yield spreads and consistent borrowing costs for Knoxville TVA Employees members. The 15-year fixed option offers the lowest rate available today, which may benefit buyers prioritizing accelerated equity build-up and reduced interest expenses over time. Conversely, the 30-year fixed maintains a competitive rate with unchanged long-term cost implications for those seeking lower monthly payments.
Members should consider their financial goals carefully; those valuing payment predictability might prefer fixed-rate options given current stability. Evaluating mortgage strategies in light of unchanged rates is advisable, especially before refinancing decisions.
For details, visit https://www.tvacreditunion.com/borrow/loans/home-loans.html.
SILVER STATE SCHOOLS CREDIT UNION
On August 17, 2026, 15-Year Fixed Purchase and 30-Year Fixed Purchase mortgage rates at Silver State Schools remain steady at 5.25% and 5.75%, respectively. These rates have shown no change over the past week or month, indicating stable yield spreads and consistent borrowing costs in the fixed-rate segment. The 15-year fixed purchase rate, currently the lowest available, offers a lower interest expense for members prioritizing faster loan payoff and reduced total interest. Conversely, the 30-year fixed purchase rate provides longer-term payment stability but at a higher yield spread. Members should consider fixed-rate options if they value predictability in payments; evaluating refinancing may be beneficial if current rates align with long-term financial goals. For details, visit https://www.silverstatecu.com/rates/home-loan-rates#:~:text=2025%2C%20unless%20noted.-,Mortgage%20Loans1,-TERM.
Zillow National Average
As of August 17, 2026, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo decreased to 6.205%, down by 3 basis points from yesterday and 29 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo increased to 6.514%, rising by 12 basis points in just one day. In the last 30 days, the 15-Year Fixed Rate Jumbo has dropped by 14 basis points, while the 30-Year Fixed Rate Jumbo has seen a slight rise of 10 basis points in the past two months. Borrowers should consider these fluctuations when planning their mortgage options, as they may affect overall borrowing costs.
Federal Reserve Economic Trends
Current inflation expectations, reflected in the Breakeven Inflation Rates of 2.270% for 10 years and 2.240% for 5 years, influence mortgage rates and borrowing costs. Recently, Mortgage 30Yr Average Rates saw a significant drop of 6.67 points, marking the largest one-day change, while also decreasing by 6.55 points over the last 30 days. The lowest mortgage rate noted is 6.301% for 30-Year VA loans, impacting affordability for borrowers. With fluctuating rates and inflation expectations, borrowers should monitor these indicators closely to make informed decisions about their financing options. Staying updated on these trends can lead to better financial outcomes when securing loans.
LendMesh
At LendMesh, we know that the best mortgage is the one that fits your life, not just your budget. Maybe you’re ready to upgrade for more space, or perhaps you’re downsizing to something simpler. Our platform brings together trusted names from the banking and credit union world, letting you compare rates, terms, and even lender philosophies. We see ourselves as your financial partner—here to guide, explain, and empower. If you’re looking for a new way to shop for home loans, or you just want to check if your current deal is the best one out there, our Mortgage Loans page is a great place to start: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your goals are always at the heart of our advice.
Customers Also Interested In
Conclusion
As you weigh your home financing options, keep in mind that even small changes in interest rates can reshape your monthly payments significantly. The recent dip to 4.0% on a 15-year fixed at Eecu offers a meaningful chance to reduce total interest paid if you’re comfortable with a shorter loan term. For those considering larger loans, the slight decline in jumbo rates could ease entry into higher-priced markets without breaking your budget. Watch how inflation trends gently influence future rates; stability there often means predictable payments ahead. Whether buying, refinancing, or investing, focusing on these key rates and trends will help you make smarter decisions that align with your financial goals, because every basis point counts when building long-term wealth through real estate.