Introduction
As of August 31, 2026, mortgage rates are holding steady with subtle shifts that could influence your next move. If you’re shopping for a home or thinking about refinancing, these small changes can add up over time. The good news is the lowest rate today is a 15-year fixed at 4.0% from Eecu, offering a solid option for those wanting to pay off their home sooner without extra points. Meanwhile, Zillow reports jumbo 30-year fixed rates inching up slightly to 6.496%, and the Federal Reserve data shows mixed inflation signals that keep the market watchful but calm. Here’s what you need to know before locking in a rate so you can feel confident about your borrowing choice.
At a glance
New Purchase - Conventional 15 yrs Fixed
| Lender | 2026-08-31 Current | 2026-08-24 7 Days Ago | 2026-08-16 15 Days Ago | 2026-08-01 30 Days Ago | 2026-07-17 45 Days Ago | 2026-07-02 60 Days Ago | 2026-06-02 90 Days Ago | 2026-03-04 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| EECU CREDIT UNIONLOWEST | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% |
| FAMILY TRUST FEDERAL CREDIT UNION | 5.00% | 5.00% | 5.00% | 4.63% | 4.63% | 4.63% | 5.04% | 4.88% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 5.00% | 5.00% | 5.00% | 4.75% | 4.75% | 4.75% | 6.00% | 6.00% |
| HOUSTON FEDERAL CREDIT UNION | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 7.49% | 7.49% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.13% |
| SILVER STATE SCHOOLS CREDIT UNION | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
| ALABAMA CREDIT UNION | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.50% |
| HAWAII STATE FEDERAL CREDIT UNION | 5.63%▲ 13 bps | 5.50% | 5.50% | 5.63% | 5.50% | 5.25% | 5.38% | 4.88% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 6.38% | 6.38% | 6.38% | 6.13% | 6.00% | 5.88% | 5.88% | 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 | 2026-08-31 Current | 2026-08-24 7 Days Ago | 2026-08-16 15 Days Ago | 2026-08-01 30 Days Ago | 2026-07-17 45 Days Ago | 2026-07-02 60 Days Ago | 2026-06-02 90 Days Ago | 2026-03-04 180 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% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.75% |
| SILVER STATE SCHOOLS CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% |
| FAMILY TRUST FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.50% | 5.50% | 5.50% | 5.85% | 5.75% |
| HOUSTON FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.75% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 6.13% | 6.13% | 6.13% | 5.88% | 5.88% | 5.88% | 5.63% | 5.63% |
| HAWAII STATE FEDERAL CREDIT UNION | 6.38%▲ 13 bps | 6.25% | 6.25% | 6.13% | 6.13% | 5.88% | 6.00% | 5.38% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 7.00% | 7.00% | 7.00% | 6.75% | 6.50% | 6.50% | 6.50% | 6.13% |
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 31, 2026, the 15 Year Fixed, First Mortgage purchase rate in Alabama remains steady at 5.625% with 0.5 points, showing no change over the past 7 or 30 days. This stability in yield spreads means borrowing costs have held firm for short-term fixed-rate buyers, providing predictable payment structures without recent upward pressure on rates. For members prioritizing fixed monthly payments and lower interest exposure, this consistency supports informed decision-making without added rate volatility. First-time homebuyers can plan confidently, while existing homeowners weighing refinancing should monitor for potential shifts to optimize long-term savings. Consider your mortgage strategy carefully; evaluate refinancing only if projected cost reductions justify associated fees. For details, visit https://www.alabamacu.com/lending/home-loans/mortgage-rates.
COAST CENTRAL CREDIT UNION
As of August 31, 2026, the 30-year Fixed-Rate Mortgage for purchase remains steady at 4.5%, showing no change over the past 7 and 30 days. This stability in rates means borrowing costs have not increased recently, offering predictable payment structures for homebuyers prioritizing long-term certainty. For first-time buyers and those planning new purchases, maintaining this fixed yield reduces exposure to interest rate volatility. Given the unchanged rate environment, members should consider fixed-rate options if they value payment consistency. Evaluating mortgage strategies with a focus on stable yields may help optimize long-term financial planning amid broader market fluctuations. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EECU CREDIT UNION
As of August 31, 2026, mortgage rates for 15 Year Fixed Conforming and 30 Year Fixed Conforming purchase loans remain steady at 4.0% and 4.5%, respectively. There has been no change in rates over the past week or month, indicating stable borrowing costs for homebuyers seeking fixed-rate financing. The 15 Year Fixed Conforming loan offers the lowest rate option today, which may appeal to members prioritizing faster equity build-up and reduced interest expense. Meanwhile, the unchanged 30 Year Fixed Conforming rate maintains its appeal for those valuing lower monthly payments and longer-term budgeting certainty. Members should consider locking in these rates if they prefer predictable payments; evaluating refinancing options remains prudent when savings exceed associated costs. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.
FAMILY TRUST FEDERAL CREDIT UNION
As of August 31, 2026, 15-Year Fixed Rate Purchase loans hold the lowest rate at 5.0%, unchanged from a week ago but up 37.5 basis points compared to 30 days prior. This increase reflects a modest rise in borrowing costs for those seeking shorter-term fixed mortgages. Meanwhile, the 30-Year Fixed Rate Purchase loans remain steady at 5.875%, also unchanged over the past week but up by 37.5 basis points over the last month, indicating higher long-term yield spreads.For members prioritizing predictability and lower total interest, the stable 15-year fixed rate continues to offer a cost-effective option despite recent increases. Those planning longer commitments should carefully evaluate whether current rates align with their financial goals.Given these dynamics, borrowers are advised to consider fixed-rate products if stability is paramount and to evaluate refinancing only when potential savings exceed associated costs.For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of August 31, 2026, mortgage rates for purchase loans remain stable for both 15-Year Fixed and 30-Year Fixed programs. The 15-Year Fixed rate holds at 5.0%, unchanged over the past week but up 25 basis points compared to 30 days ago. Similarly, the 30-Year Fixed rate stays at 6.125%, with no weekly change and a 25 basis point increase over the last month. These shifts imply a modest rise in the cost of borrowing, impacting affordability for first-time buyers and those seeking long-term financing stability. Members prioritizing predictable payments may consider locking in current fixed rates despite recent upward yield spreads. Evaluating refinancing remains advisable when potential savings exceed associated costs, especially given rate fluctuations this quarter. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
On August 31, 2026, HAWAII STATE credit union reports a slight increase in mortgage rates for purchase loans. The 15-Year Fixed program rose by 12.5 basis points to 5.625%, holding steady compared to 30 days ago. Meanwhile, the 30-Year Fixed purchase rate increased by 12.5 basis points week-over-week to 6.375%, marking a 25 basis point rise from one month prior. These yield spreads indicate a modest uptick in borrowing costs for homebuyers seeking fixed-rate stability. First-time buyers might find the 15-Year Fixed at 5.625% attractive for accelerated equity despite higher monthly payments, while longer-term borrowers should carefully assess affordability at the current 30-Year Fixed rate of 6.375%. Members should evaluate their mortgage strategies, considering refinancing only if potential savings justify transaction costs given recent rate trends. For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HOUSTON FEDERAL CREDIT UNION
As of August 31, 2026, mortgage rates in Houston remain steady with no changes over the past week or month. The 15-year fixed purchase loan holds at 5.125%, representing the lowest rate available today, maintaining its position from both 7 and 30 days ago. Meanwhile, the 30-year fixed purchase loan stands at 5.875%, also unchanged in recent periods. These stable yields suggest limited volatility in borrowing costs for members seeking long-term financing.For first-time buyers or those prioritizing lower monthly payments, the 15-year fixed offers a cost-effective option with reduced interest expense over time. Conversely, the 30-year fixed suits borrowers valuing payment flexibility despite higher cumulative interest. Members should consider locking in these fixed rates to mitigate future market fluctuations. Evaluate refinancing only if projected savings surpass transaction costs given the current rate plateau.For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of August 31, 2026, mortgage rates remain steady for Knoxville TVA Employees. The 15-Year Fixed-Rate Mortgage holds at 5.25%, unchanged from one week and one month ago, offering the lowest yield among current options. Meanwhile, the 30-Year Fixed-Rate Mortgage remains at 5.50%, also stable over the past 7 and 30 days.For members prioritizing predictability and lower interest expense, the 15-year fixed term continues to present a cost-effective choice with no recent upward pressure on borrowing costs. The steady 30-year fixed rate supports long-term budgeting without increased yield spreads.Members should consider fixed-rate options if they value payment stability amid rate consistency. Those evaluating purchase timing or mortgage strategy may benefit from locking in current rates or reviewing refinancing possibilities where savings exceed associated costs.For details, visit https://www.tvacreditunion.com/borrow/loans/home-loans.html.
LIGHTHOUSE FEDERAL CREDIT UNION
As of August 31, 2026, mortgage rates for LIGHTHOUSE members remain stable compared to one week ago, with no change in yield spreads for the available products. The 15-Year Fixed Mortgage (Conventional) holds the lowest rate at 6.375%, up by 25 basis points over the past 30 days, indicating a modest increase in the cost of borrowing for shorter-term fixed loans. Similarly, the Pathways Service 30-Year Fixed Mortgage remains steady at 7.0%, also reflecting a 25 basis point rise over the last month.These rate trends suggest that borrowers prioritizing rate stability may prefer fixed-rate options despite recent upward movement. First-time buyers and those seeking long-term payment predictability should weigh these shifts carefully. Evaluating refinancing opportunities could be advantageous if potential savings exceed associated costs.For details, visit https://www.lighthousecu.org/loans/home/mortgages/#rates.
SILVER STATE SCHOOLS CREDIT UNION
As of August 31, 2026, 15-Year Fixed Purchase loans remain at a stable 5.25% with no change over the past week or month, representing the lowest rate among today’s offerings. Similarly, the 30-Year Fixed Purchase loans hold steady at 5.75%, also unchanged from recent periods. This stability in rates suggests consistent yield spreads and borrowing costs, providing clarity for members planning long-term financing. For first-time homebuyers or those prioritizing predictable payments, the 15-Year Fixed option offers a lower rate and accelerated equity build-up. Meanwhile, the 30-Year Fixed suits borrowers seeking manageable monthly payments without rate volatility. Members should consider fixed-rate products if they value payment certainty; evaluating refinancing options remains prudent when potential savings exceed associated costs. For details, visit https://www.silverstatecu.com/rates/home-loan-rates#:~:text=2025%2C%20unless%20noted.-,Mortgage%20Loans1,-TERM.
Zillow National Average
Mortgage rates have experienced a slight increase today, with the 15-Year Fixed Rate Jumbo rising to 6.187%, up 0.06 basis points from yesterday. The 30-Year Fixed Rate Jumbo also ticked up to 6.496%, reflecting a modest increase of 0.02 basis points over the same period. Compared to last week, the 30-Year Fixed Rate Jumbo has risen by 0.04 basis points, indicating a mixed trend in the market. Borrowers should be mindful of these fluctuations, as they directly impact the cost of borrowing and overall loan affordability. Maintaining awareness of current rates can help in making informed mortgage decisions moving forward.
Federal Reserve Economic Trends
Current breakeven inflation rates indicate stable inflation expectations, with the 10-year rate at 2.310% and the 5-year rate at 2.300%. These figures suggest that while inflation is anticipated to remain moderate, rising mortgage rates are influencing borrowing costs significantly. The largest change observed was in the Mortgage 30Yr Average Rates, which dropped by 6.66 points recently, reflecting a potential easing in borrowing conditions. Conversely, the lowest mortgage rate recorded is for the 30Yr FHA Average Rate at 6.492%. Borrowers should consider these fluctuations when making financing decisions, as they directly affect affordability and overall loan costs.
LendMesh
The journey to homeownership is filled with choices, questions, and—if you’re working with the right partner—a real sense of possibility. At LendMesh, we’re honored to be that partner for so many families, guiding you through every mortgage decision with transparency and care. Whether you’ve followed our advice all month or just discovered us today, remember that your goals are at the heart of everything we do. With our nationwide network of banks and credit unions, up-to-date mortgage rates, and expert-written resources, you’ll always have the tools to make informed, confident choices. If you’re ready to take your next step or want a fresh perspective on your options, visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your homeownership story is unique—LendMesh is here to help you write every chapter with confidence.
Conclusion
Looking ahead, even minor rate changes like the slight uptick in jumbo mortgages or the steady Credit Union offers matter because they affect your monthly payment and total interest over decades. If you qualify for the 4.0% 15-year fixed at Eecu, it’s worth considering how shaving years off your loan can save thousands in interest and build equity faster. For others, weighing options between stable 30-year fixed loans around 4.5% to 6.3% from trusted sources might fit better depending on budget and plans. Keep an eye on inflation trends since they influence lender pricing, but don’t wait for perfect timing, small shifts are normal. Ultimately, focus on locking a rate that fits your financial comfort today while keeping long-term goals in view.