Introduction
On August 25, 2026, mortgage rates show a mixed but promising landscape for homebuyers and refinancers alike. Credit Unions report some slight shifts: Navy Federal Credit Union’s 15-year VA fixed at 5.375% remains the lowest purchase rate across all lenders, while Zillow’s jumbo loans hover near 6.2% for 15-year fixed and just above 6.5% for 30-year fixed. Inflation expectations ticked up slightly, with the 5- and 10-year breakeven rates rising by a few basis points, hinting at modest economic adjustments ahead. If you’re considering locking in a loan soon, here’s what you need to know before committing, especially when the lowest available rate is a 5.375% VA 15-year fixed at Navy Federal Credit Union, offering an attractive path for veterans and active service members.
At a glance
New Purchase - VA 15 yrs Fixed
| Lender | 2026-08-25 Current | 2026-08-18 7 Days Ago | 2026-08-10 15 Days Ago | 2026-07-26 30 Days Ago | 2026-07-11 45 Days Ago | 2026-06-26 60 Days Ago | 2026-05-27 90 Days Ago | 2026-02-26 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| NAVY FEDERAL CREDIT UNIONLOWEST | 5.38% | 5.38% | 5.38% | 5.50% | 5.25% | 5.25% | 5.00% | 4.75% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 5.38%▲ 13 bps | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.13% | 4.63% |
| ENT CREDIT UNION | 5.50% | 5.50% | 5.63% | 5.63% | 5.50% | 5.25% | 5.38% | 4.88% |
| WHATCOM EDUCATIONAL CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.38% | 5.38% | 5.38% | 4.88% |
| HANSCOM FEDERAL CREDIT UNION | 5.75%▼ 12 bps | 5.88% | 5.88% | 5.88% | 5.75% | 5.50% | 5.75% | 5.25% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
New Purchase - VA 30 yrs Fixed
| Lender | 2026-08-25 Current | 2026-08-18 7 Days Ago | 2026-08-10 15 Days Ago | 2026-07-26 30 Days Ago | 2026-07-11 45 Days Ago | 2026-06-26 60 Days Ago | 2026-05-27 90 Days Ago | 2026-02-26 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| U.S. EAGLE FEDERAL CREDIT UNIONLOWEST | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% |
| NAVY FEDERAL CREDIT UNION | 5.75%▼ 112 bps | 6.88% | 5.75% | 7.00% | 5.63% | 6.63% | 6.75% | 6.13% |
| PENTAGON FEDERAL CREDIT UNION | 5.75% | 5.75% | 5.63% | 5.63% | 5.50% | 5.38% | 5.50% | 5.00% |
| AVADIAN CREDIT UNION | 5.88%▼ 12 bps | 5.99% | 6.13% | 5.88% | 5.63% | 5.88% | 5.88% | 5.13% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.75% | 5.75% | 5.75% | 5.63% | 5.25% |
| ENT CREDIT UNION | 6.13%▲ 13 bps | 6.00% | 6.13% | 6.13% | 6.00% | 5.75% | 5.88% | 5.38% |
| SELCO COMMUNITY CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% |
| WHATCOM EDUCATIONAL CREDIT UNION | 6.25%▼ 12 bps | 6.38% | 6.25% | 6.25% | 6.13% | 6.00% | 6.13% | 5.38% |
| HANSCOM FEDERAL CREDIT UNION | 6.50% | 6.50% | 6.50% | 6.50% | 6.38% | 6.13% | 6.38% | 5.63% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
AVADIAN CREDIT UNION
On August 25, 2026, the 30-Year VA Fixed Purchase mortgage rate stands at 5.875% with 1.0 point, marking a decline of 11.5 basis points from one week ago and holding steady compared to 30 days prior. This modest decrease in yield spreads slightly lowers the cost of borrowing for veterans seeking homeownership, enhancing affordability without significant market volatility. For veterans evaluating mortgage options, the current stable rate environment supports locking in fixed terms to mitigate interest rate risk over the long term. Given the unchanged rate month-over-month, members should consider their refinancing strategies carefully; small rate improvements may not yet justify transaction costs unless substantial savings are achievable. Assess your mortgage plan with current data and prioritize fixed-rate loans if stability is a priority.
For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.
ENT CREDIT UNION
As of August 25, 2026, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.5%, unchanged over the past week but down 12.5 basis points from 30 days ago. This stability benefits veterans seeking shorter-term financing with predictable payments and potentially lower total interest costs. Conversely, the VA 30-Year Fixed Purchase rate rose by 12.5 basis points to 6.125% compared to last week, maintaining a flat yield versus a month prior. Longer-term borrowers should assess how this modest increase affects their overall borrowing expenses, especially if planning extended repayment horizons.
Members evaluating mortgage options should consider fixed-rate products for interest rate certainty amid these shifts; veterans may find the 15-year term advantageous for cost savings despite slightly higher monthly payments. For those contemplating purchase loans, monitoring these basis point movements supports informed decisions regarding loan term and affordability.
For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates
HANSCOM FEDERAL CREDIT UNION
As of August 25, 2026, VA 15 Year Fixed Purchase loans offer the lowest rate at 5.75%, reflecting a decrease of 12.5 basis points compared to one week ago and the past 30 days. This reduction in yield spread lowers the cost of borrowing for veterans seeking shorter-term fixed financing, potentially increasing monthly payments stability while reducing overall interest expense. Conversely, the VA 30 Year Fixed Purchase rate remains steady at 6.50%, with no change over the past week or month, maintaining a consistent borrowing environment for long-term planning.
Members evaluating mortgage strategies should consider the impact of these movements on affordability; specifically, those prioritizing predictable payments may favor the declining 15-year fixed VA option, while others might hold on to the stable 30-year fixed VA rate. Assess refinancing viability if potential savings exceed transaction costs.
For details, visit https://www.hfcu.org/rates/mortgage-rates.html.
NAVY FEDERAL CREDIT UNION
As of August 25, 2026, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.375% with 0.5 points, unchanged from last week but down 12.5 basis points over the past 30 days, signaling modest easing in short-term borrowing costs for veterans seeking shorter-term financing. Meanwhile, the VA 30-Year Fixed Purchase rate has declined significantly by 112.5 basis points week-over-week to 5.75% with 0.625 points, marking a notable reduction of 125 basis points over the last month; this drop can materially improve affordability for veterans prioritizing long-term stability.
Members considering a purchase should evaluate these recent yield spreads carefully: the steady rate on the 15-year option supports predictable payments, while the sharp decline in the 30-year rate may reduce monthly obligations substantially. For those weighing term length against cost, analyzing individual cash flow and long-term interest exposure is essential.
Given current trends, veterans should consider fixed-rate options aligned with their financial goals and assess refinancing only when net savings exceed associated expenses.
For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
PENTAGON FEDERAL CREDIT UNION
As of August 25, 2026, the 30-year Fixed VA Loan purchase rate remains steady at 5.75%, showing no change over the past 7 days but a notable increase of 12.5 basis points compared to 30 days ago. This uptick reflects a modest rise in borrowing costs for veterans seeking to finance new home purchases. For first-time buyers and those relying on government-backed VA loans, maintaining awareness of these yield shifts is critical when planning affordability and long-term payment stability. Given this environment, members valuing predictable payments should consider locking in fixed-rate options promptly. Additionally, evaluating refinancing strategies may be prudent if future rate trends suggest potential savings that outweigh current costs. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of August 25, 2026, 15-Year Fixed Purchase loans show a rate increase of 12.5 basis points, rising to 5.375% from last week’s 5.25%. This uptick raises the cost of borrowing for borrowers seeking shorter-term stability, particularly impacting those prioritizing faster equity build-up. Conversely, the 30-Year Fixed Purchase loan remains steady at 5.875%, unchanged over seven days but up 12.5 basis points from 30 days ago, reflecting persistent yield pressures on longer-term fixed rates.
Members evaluating home purchases should weigh the incremental cost increase on 15-year terms against potential long-term savings. For those valuing payment predictability and extended amortization, the stable 30-year fixed rate may still provide manageable monthly obligations despite recent upward trends.
Consider your mortgage strategy carefully; if planning to refinance or purchase soon, assess whether locking a fixed rate aligns with your financial goals amid these modest rate shifts. For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SELCO COMMUNITY CREDIT UNION
As of August 25, 2026, the 30 Year VA Manufactured Home Purchase fixed-rate mortgage remains steady at 6.125%, showing no change over the past week or month. This stability in yield spreads indicates consistent borrowing costs for veterans financing manufactured homes not on rented land. For veteran buyers, especially those prioritizing predictable payments, the unchanged rate preserves budget certainty amid market fluctuations. Given the static rate environment, members should assess whether a fixed-rate loan aligns with their long-term housing plans. Veterans considering purchase options may also evaluate if timing adjustments could optimize financial outcomes. For details, visit https://www.selco.org/loans/home-loans/purchase-a-home/.
U.S. EAGLE FEDERAL CREDIT UNION
As of August 25, 2026, the 30-Year Fixed Purchase mortgage rate remains steady at 5.625%, showing no change over the past week or month. This stability in rates means the cost of borrowing for homebuyers is currently consistent, with no recent fluctuations in yield spreads impacting fixed-rate loan pricing. For first-time buyers and those locking in long-term financing, this offers predictable monthly payments without exposure to rate volatility.
Members considering refinancing should note that unchanged rates suggest limited immediate benefit from rate-driven cost reductions. Evaluating your mortgage strategy with an emphasis on fixed-rate options can provide payment stability amid broader market uncertainties. Consider refinancing only if projected savings exceed associated costs based on current rate levels.
For details, visit https://www.useagle.org/rates/home-mortgage-rates.
WHATCOM EDUCATIONAL CREDIT UNION
As of August 25, 2026, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.5%, unchanged over the past week and month, maintaining a stable cost of borrowing for eligible veterans seeking shorter-term financing. Conversely, the VA 30-Year Fixed Purchase rate has decreased by 12.5 basis points from last week to 6.25%, offering potential savings for those prioritizing longer amortization schedules. This downward adjustment may enhance affordability for first-time buyers or veterans opting for extended payment terms, reflecting tightening yield spreads in long-duration fixed mortgages.
Members should consider their mortgage horizon: fixed-rate VA loans provide predictable payments amid fluctuating markets. Evaluate refinancing if the 30-year rate decline leads to meaningful interest savings exceeding refinancing costs. For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of August 25, 2026, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo increased slightly to 6.196%, marking a 1 basis point rise from yesterday. Meanwhile, the 30-Year Fixed Rate Jumbo also saw an uptick to 6.500%, up by 4 basis points since yesterday. Over the past week, however, the 30-year product has experienced a minor decline of 1 basis point, indicating some fluctuations in borrowing costs. Borrowers should consider these variations when evaluating their financing options, particularly as recent changes reflect broader market dynamics that could impact affordability and long-term financial planning.
Federal Reserve Economic Trends
Current inflation expectations, reflected in the Breakeven Inflation Rate, remain stable at 2.320% for both 10-year and 5-year periods. This stability can influence mortgage rates, which have shown significant fluctuations recently. The Mortgage 30Yr Average Rates have decreased by 6.58 points over the past month, indicating a potential easing of borrowing costs for consumers. Meanwhile, the Mortgage 30Yr Jumbo Average Rates dropped by 0.09 points in the last week, reflecting market adjustments. Borrowers should take note of the currently low FHA rate of 6.472% as an attractive option amidst these changes. Monitoring these trends can aid borrowers in making informed financial decisions regarding home financing.
LendMesh
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Conclusion
Looking ahead, even small changes in mortgage rates can have a big impact on your monthly payments and long-term interest costs. With the current climate showing subtle movements, such as Navy Federal’s 30-year VA fixed dropping over one percentage point in just a week, it pays to stay informed and ready to act thoughtfully. If you qualify for VA loans or are eyeing shorter-term options like the 15-year fixed at just over 5%, consider how these choices align with your financial goals. For buyers and homeowners alike, locking in a competitive rate now can save thousands over time. Keep an eye on inflation trends and lender updates, but don’t hesitate to consult your credit union or mortgage advisor about what fits your situation best. The right timing and product choice make all the difference in turning your homeownership dreams into reality without stretching your budget thin.