Introduction
As of September 1, 2026, mortgage rates are showing subtle shifts that could influence your homebuying or refinancing decisions. Whether you're eyeing a cozy starter home or a larger investment property, small rate changes matter, think of them like tiny ripples in a pond that can grow into bigger waves over time. Today’s lowest rate comes from Potlatch No 1 Financial with a 5.25% 15-year fixed loan, offering a solid option for those seeking shorter terms and lower monthly payments. On the other hand, Zillow’s data points to a slight uptick in jumbo loans, with the 30-year fixed jumbo rate climbing to 6.503%. Meanwhile, inflation expectations remain steady according to Federal Reserve indicators, adding some predictability to your financial planning. Here’s what you need to know before locking in a rate that fits your goals and budget.
At a glance
New Purchase - VA 15 yrs Fixed
| Lender | 2026-09-01 Current | 2026-08-25 7 Days Ago | 2026-08-17 15 Days Ago | 2026-08-02 30 Days Ago | 2026-07-18 45 Days Ago | 2026-07-03 60 Days Ago | 2026-06-03 90 Days Ago | 2026-03-05 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 5.25%▼ 12 bps | 5.38% | 5.25% | 5.38% | 5.25% | 5.25% | 5.13% | 4.75% |
| CREDIT UNION 1 CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.25% | 5.25% | 5.25% | 5.13% | 5.13% |
| ENT CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.63% | 5.50% | 5.38% | 5.38% | 5.00% |
| NAVY FEDERAL CREDIT UNION | 5.50%▲ 13 bps | 5.38% | 5.38% | 5.50% | 5.25% | 5.25% | 5.25% | 4.88% |
| CREDIT UNION WEST CREDIT UNION | 5.63% | N/A | N/A | N/A | N/A | N/A | 5.13% | 4.75% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | 5.63%▼ 25 bps | 5.88% | 5.63% | 6.00% | 5.75% | 5.63% | 5.50% | 5.13% |
| WHATCOM EDUCATIONAL CREDIT UNION | 5.63%▲ 13 bps | 5.50% | 5.38% | 5.50% | 5.50% | 5.38% | 5.38% | 4.88% |
| SPACE COAST CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.63% | N/A | 5.50% | 5.13% |
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 | 2026-09-01 Current | 2026-08-25 7 Days Ago | 2026-08-17 15 Days Ago | 2026-08-02 30 Days Ago | 2026-07-18 45 Days Ago | 2026-07-03 60 Days Ago | 2026-06-03 90 Days Ago | 2026-03-05 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| U.S. EAGLE FEDERAL CREDIT UNIONLOWEST | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% |
| PENTAGON FEDERAL CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.63% | 5.38% | 5.38% | 5.13% |
| CREDIT UNION 1 CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.75% | 5.75% | 5.75% | 5.25% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | 5.99% | 5.99% | 5.88% | 5.99% | 5.75% | 5.75% | 5.75% | 5.25% |
| CREDIT UNION WEST CREDIT UNION | 6.00%▲ 1 bps | 5.99% | 5.99% | 5.88% | 5.88% | N/A | 5.63% | 5.25% |
| ENT CREDIT UNION | 6.00%▼ 12 bps | 6.13% | 6.00% | 6.13% | 6.00% | 5.88% | 5.88% | 5.50% |
| WHATCOM EDUCATIONAL CREDIT UNION | 6.38%▲ 13 bps | 6.25% | 6.25% | 6.38% | 6.25% | 6.00% | 6.13% | 5.50% |
| SPACE COAST CREDIT UNION | 6.50% | 6.50% | 6.50% | 6.50% | 6.38% | N/A | 6.25% | 5.88% |
| NAVY FEDERAL CREDIT UNION | 7.00%▲ 125 bps | 5.75% | 6.88% | 7.00% | 5.63% | 5.63% | 6.75% | 6.25% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
CREDIT UNION 1 CREDIT UNION
As of September 1, 2026, VA Loan fixed rates remain stable compared to last week, with the 15-year VA fixed purchase rate at 5.5% and the 30-year VA fixed purchase rate at 5.875%. These represent no change over seven days but mark an increase of 25 basis points compared to 30 days ago. The rise in rates over the past month reflects tightening yield spreads, which can increase the cost of borrowing for veterans seeking home purchase financing.For members prioritizing long-term payment stability, the unchanged rates over one week suggest current market steadiness; however, those sensitive to monthly payments might feel the impact of this recent upward trend since last month. Veterans considering purchasing a home should evaluate whether locking in today’s rates aligns with their financial strategy, especially given recent upward movement.Consider your mortgage strategy carefully, fixed-rate VA loans offer predictable payments, but rising rates underscore the importance of assessing refinancing options if your current loan exceeds today’s pricing by a meaningful margin. For details, visit https://www.cu1.org/rates#real-estate-rates.
CREDIT UNION WEST CREDIT UNION
On September 1, 2026, the 30-Year Fixed Purchase mortgage rate stands at 6.0% with 2.0 points, marking a modest increase of 1 basis point over the past week and a more notable rise of 12.5 basis points compared to 30 days ago. This upward movement slightly raises the cost of borrowing for homebuyers locking in long-term fixed rates, potentially impacting monthly payments and overall affordability. First-time buyers should assess their budget carefully, while those valuing payment stability might still consider fixed-rate options despite recent yield spread increases. Given this trend, members are advised to evaluate their mortgage strategy thoroughly and consider refinancing only if potential savings outweigh associated costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
ENT CREDIT UNION
As of September 1, 2026, the VA 15-Year Fixed Purchase mortgage maintains the lowest rate at 5.5%, unchanged from last week but down 12.5 basis points compared to 30 days ago. This stability in shorter-term VA loans supports veterans and eligible buyers seeking predictable payments and faster equity buildup. Meanwhile, the VA 30-Year Fixed Purchase rate decreased by 12.5 basis points week-over-week to 6.0%, reflecting a modest easing in long-term borrowing costs after recent volatility.For veterans evaluating home financing, these shifts suggest that locking in a fixed-rate mortgage may offer cost certainty amid subtle market adjustments. First-time buyers and those prioritizing long-term budgeting should consider how these rate trends influence monthly obligations and total interest paid over time. Given current dynamics, it is prudent to assess refinancing opportunities or purchase timing when rate reductions surpass associated expenses.For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates
MOUNTAIN AMERICA FEDERAL CREDIT UNION
On September 1, 2026, 15-year VA fixed purchase loans offer the most competitive rate at 5.625%, down 25 basis points from last week and 37.5 basis points lower than a month ago, reflecting a meaningful reduction in borrowing costs for veterans seeking shorter-term financing. Meanwhile, the 30-year VA fixed purchase rate remains steady at 5.99%, unchanged from both one week and 30 days prior, indicating stable yield spreads for longer-term VA borrowers.These movements suggest that veterans considering a shorter loan term may benefit from recent rate declines, potentially lowering monthly payments and total interest expense. For those targeting long-term stability, the flat trend on the 30-year VA rate underscores predictable cost structures.Members should evaluate their mortgage strategy based on term preferences and cost sensitivity; consider fixed-rate options if prioritizing payment certainty or assess refinancing if the spread justifies transaction costs. For details, visit https://www.macu.com/rates/home.
NAVY FEDERAL CREDIT UNION
As of September 1, 2026, Navy Federal Credit Union's mortgage rates reveal a mixed movement in cost of borrowing. The 15-year fixed VA loan stands at 5.5% with 0.5 points, increasing by 12.5 basis points over the past week but stable compared to 30 days ago. This rate remains the lowest among today’s options, favoring veterans seeking shorter-term financing with predictable payments.Conversely, the Military Choice 30-year fixed purchase loan rose sharply by 125 basis points week-over-week to 7.0% with 0.5 points, though it remains unchanged from a month prior. This significant weekly yield spread increase impacts borrowers prioritizing long-term affordability and may prompt reevaluation of fixed-rate strategies.Members should consider locking in fixed-rate products if stability is essential or reassess their mortgage approach given recent volatility; refinancing might be advantageous if projected savings surpass associated costs. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
PENTAGON FEDERAL CREDIT UNION
As of September 1, 2026, the 30-year Fixed VA Loan purchase rate remains stable at 5.75%, unchanged from both one week and one month ago. This steady yield indicates no recent increase in borrowing costs for veterans seeking to purchase homes with government-backed financing. For active-duty military members and veterans, maintaining this consistent rate supports predictable mortgage expenses amid broader market fluctuations. Given the absence of rate movement, borrowers prioritizing long-term payment stability may find this an opportune moment to evaluate fixed-rate options. Members considering home purchases with VA loans should continue monitoring trends but can currently anticipate steady financing terms. 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 September 1, 2026, the 15-Year Fixed Purchase mortgage rate stands at 5.25%, marking a decrease of 12.5 basis points compared to one week ago and the lowest rate among current offerings. This reduction lowers the cost of borrowing for members seeking shorter-term loans, potentially benefiting those aiming to build equity faster or refinance existing debt. Meanwhile, the 30-Year Fixed Purchase rate remains steady at 5.875%, showing no change over the past week or month, preserving predictable long-term payment structures for buyers prioritizing stable monthly expenses.Members should consider fixed-rate options if they value payment stability amid modest yield fluctuations. For borrowers focused on minimizing interest expense over time, evaluating refinancing opportunities under the improved 15-year fixed terms may be advantageous, particularly when potential savings exceed associated costs.For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SPACE COAST CREDIT UNION
As of September 1, 2026, 15-year fixed-rate purchase loans remain at 5.75%, holding steady with no change over the past week or month. This rate represents the lowest available option today, offering members reduced cost of borrowing and shorter amortization periods ideal for those prioritizing faster equity build-up. Meanwhile, the 30-year fixed-rate purchase loans also maintain a stable rate of 6.50%, unchanged from both seven and thirty days ago; this longer-term option suits buyers seeking predictable monthly payments despite a higher yield spread compared to the 15-year term.The absence of movement in these key fixed-rate products indicates stable mortgage market conditions; members should evaluate whether locking in current rates aligns with their long-term financial strategies. First-time homebuyers may benefit from the lower rates on shorter terms, while those valuing payment stability might consider the 30-year fixed option. Given consistent rates, consider refinancing only if projected savings exceed associated costs.For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 1, 2026, the 30-Year Fixed Purchase mortgage rate remains steady at 5.625%, with no change over the past week or month. This stability in long-term fixed rates maintains current borrowing costs for homebuyers, particularly benefiting those prioritizing predictable monthly payments and long-term financial planning. First-time buyers can confidently assess affordability without concern for rising yields, while existing homeowners evaluating purchase options face consistent rate conditions. Given the absence of rate movement, members should consider locking in fixed-rate mortgages to mitigate interest rate risk. For those weighing refinancing, unchanged rates suggest focusing on loan terms and closing costs to determine overall savings. Evaluate your mortgage strategy based on your financial goals and market stability. For details, visit https://www.useagle.org/rates/home-mortgage-rates.
WHATCOM EDUCATIONAL CREDIT UNION
As of September 1, 2026, the VA 15-Year Fixed Purchase mortgage rate increased by 12.5 basis points, rising to 5.625% from 5.5% one week ago. This represents a moderate upward movement in yield spreads, impacting the cost of borrowing for veterans seeking shorter-term financing. The VA 30-Year Fixed Purchase rate also edged up by 12.5 basis points to 6.375%, remaining stable compared to 30 days prior but reflecting tighter market conditions over the past week.For veterans prioritizing predictability and accelerated equity building, the higher 15-year fixed rate implies marginally increased monthly payments but potentially lower total interest costs over time. Meanwhile, those opting for the 30-year fixed term face unchanged longer-term borrowing costs despite recent short-term fluctuations.Members should assess their mortgage strategy carefully; consider fixed-rate options if stability is essential, or evaluate refinancing only if projected savings surpass associated fees and closing costs. For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of September 1, 2026, mortgage rates reflect a mixed trend. The 15-Year Fixed Rate Jumbo remains unchanged at 6.271%, while the 30-Year Fixed Rate Jumbo decreased slightly to 6.503%, down by 0.02 basis points from yesterday. Over the past week, the 15-Year Fixed Rate Jumbo increased by 0.10 basis points, indicating a rising cost of borrowing for shorter-term loans. In contrast, both products show upward movements over the past month, with the 15-Year Fixed Rate Jumbo up by 0.27 basis points and the 30-Year Fixed Rate Jumbo increasing by 0.27 basis points in the last 60 days. Borrowers should consider these fluctuations when evaluating their financing options, as they can impact overall loan affordability.
Federal Reserve Economic Trends
Inflation expectations, as reflected in the Breakeven Inflation Rates, influence mortgage rates and the overall cost of borrowing. Currently, the Breakeven Inflation Rate 10Yr is at 2.310%, unchanged from yesterday but down from 2.410% a year ago. In the mortgage market, the largest changes occurred in the Mortgage 30Yr Average Rates, which fell by 6.66 points over the past month; these rates are critical for potential homebuyers. The lowest rate noted is for Mortgage 30Yr Fha Average Rates at 6.464%. Understanding these trends can guide borrowers in timing their mortgage decisions effectively based on current market conditions and inflation signals.
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, even modest changes in mortgage rates can reshape your financial landscape. A difference of just a quarter percent on a 30-year loan might mean hundreds more or less each month and thousands across the life of your mortgage. Consider locking in if you find competitive rates like Potlatch No 1 Financial’s 5.25% 15-year fixed, especially if you value paying down your home faster and saving on interest. For buyers aiming at larger purchases, keep an eye on jumbo loan trends as Zillow reports recent increases. Staying informed about inflation trends helps you anticipate future cost pressures and plan accordingly. Whether buying or refinancing, focus on rates that align with your long-term plans and comfort level; small steps now can lead to greater savings down the road.