Introduction
On September 3, 2026, mortgage rates are showing subtle shifts that could influence your homebuying or refinancing plans. While jumbo loan rates have nudged upward slightly at credit unions like Aberdeen Proving Ground and California Coast, the broader market remains steady. Zillow reports a modest dip in 15-year jumbo fixed rates to 6.156%, offering a potential sweet spot for those seeking shorter terms. Meanwhile, the Federal Reserve’s inflation breakeven rates ticked up a bit, signaling ongoing economic adjustments. If you’re aiming for the best deal today, consider the Certified Credit Union’s 15-year fixed purchase loan at 5.125%, which stands as the lowest rate available. Here’s what you need to know before locking in a rate that fits your goals and budget.
At a glance
New Purchase - Jumbo 15 yrs Fixed
| Lender | 2026-09-03 Current | 2026-08-27 7 Days Ago | 2026-08-19 15 Days Ago | 2026-08-04 30 Days Ago | 2026-07-20 45 Days Ago | 2026-07-05 60 Days Ago | 2026-06-05 90 Days Ago | 2026-03-07 180 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 | 5.43% | 5.43% | 5.45% | 5.45% | 5.28% | 5.27% | 5.23% | 4.78% |
| TROPICAL FINANCIAL CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 5.88% | 5.63% | 5.75% | 5.50% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 6.13%▲ 13 bps | 6.00% | 6.00% | 5.88% | 5.88% | 5.63% | 5.63% | 5.38% |
| CALIFORNIA COAST CREDIT UNION | 6.25%▲ 13 bps | 6.13% | 6.13% | 6.13% | 6.00% | 5.88% | 5.88% | 5.50% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.00% |
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 | 2026-09-03 Current | 2026-08-27 7 Days Ago | 2026-08-19 15 Days Ago | 2026-08-04 30 Days Ago | 2026-07-20 45 Days Ago | 2026-07-05 60 Days Ago | 2026-06-05 90 Days Ago | 2026-03-07 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CERTIFIED FEDERAL CREDIT UNIONLOWEST | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNION | 5.97% | 5.97% | 5.93% | 5.93% | 5.78% | 5.77% | 5.77% | 5.23% |
| UNITED CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | N/A |
| TROPICAL FINANCIAL CREDIT UNION | 6.25%▲ 13 bps | 6.13% | 6.13% | 6.13% | 6.00% | 5.75% | 5.88% | 5.63% |
| WINGS FINANCIAL CREDIT UNION | 6.50% | 6.50% | 6.38% | 6.50% | 6.38% | 6.13% | 6.25% | 5.63% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 6.63%▲ 13 bps | 6.50% | 6.50% | 6.50% | 6.38% | 6.13% | 6.25% | 5.75% |
| CALIFORNIA COAST CREDIT UNION | 6.88%▲ 13 bps | 6.75% | 6.75% | 6.75% | 6.75% | 6.50% | 6.63% | 6.00% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.50% |
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
As of September 3, 2026, mortgage rates for Jumbo fixed-rate purchase loans at Aberdeen Proving Ground credit union have increased modestly. The 15-year Jumbo Fixed rate stands at 6.125%, up 12.5 basis points from last week and 25 basis points higher than 30 days ago, indicating a rising cost of borrowing for shorter-term jumbo loans. Meanwhile, the 30-year Jumbo Fixed rate is at 6.625%, also up by 12.5 basis points over the past week and 12.5 basis points since last month.These upward shifts may affect members seeking jumbo financing for home purchases, especially those prioritizing lower monthly payments with longer terms or quicker payoff with 15-year options. Borrowers valuing rate stability should assess fixed-rate programs carefully amid these gradual yield increases. Consider your mortgage strategy in light of these trends; refinancing could be advantageous if projected savings outweigh associated costs.For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.
CALIFORNIA COAST CREDIT UNION
As of September 3, 2026, mortgage rates for Jumbo Fixed Purchase loans have experienced a modest increase. The 15-year Jumbo Fixed rate stands at 6.25% with 0.25 points, rising by 12.5 basis points compared to last week and 30 days ago. Similarly, the 30-year Jumbo Fixed Purchase rate is at 6.875% with zero points, also up by 12.5 basis points over the same intervals.These incremental rate hikes reflect a tightening in yield spreads, increasing the cost of borrowing for high-value property buyers. For members seeking stability, locking in a 15-year fixed jumbo loan at 6.25% may offer predictability despite slightly higher rates than earlier months. Meanwhile, longer-term borrowers should assess whether the current rise justifies locking in a 30-year jumbo fixed rate or if short-term market fluctuations warrant waiting.Members are encouraged to evaluate their mortgage strategies carefully; consider refinancing only if projected savings exceed transaction costs given recent rate movements. For details, visit https://www.calcoastcu.org/mortgage-rates/.
CERTIFIED FEDERAL CREDIT UNION
As of September 3, 2026, mortgage rates remain steady for key purchase loan products at CERTIFIED Credit Union. The 15-Year Fixed Purchase mortgage holds at 5.125%, maintaining the lowest rate among available options with no change in yield over the past 7 and 30 days. Similarly, the 30-Year Fixed Purchase rate remains unchanged at 5.875%, reflecting a stable cost of borrowing for longer-term commitments.For members prioritizing predictable monthly payments and interest costs, the consistent rates on fixed-term loans support informed decision-making without added risk from market volatility. First-time buyers may find the 15-year term advantageous for faster equity build-up at this competitive rate level. Meanwhile, those planning longer ownership horizons can evaluate the 30-year fixed option to balance affordability with stability.Given these unchanged rates, members should consider fixed-rate options if they value payment certainty and evaluate their mortgage strategy in light of current market stability. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
As of September 3, 2026, 15-year fixed purchase mortgage rates remain steady at 5.43%, unchanged from last week but down by 20 basis points compared to 30 days ago. This rate offers the lowest cost of borrowing among today’s options, favoring members seeking quicker payoff and lower total interest. Meanwhile, the 30-year fixed purchase rate holds firm at 5.97%, with no change over the past week but a slight increase of 4 basis points versus 30 days prior, reflecting modest upward yield pressure.For first-time buyers or those prioritizing payment stability, locking in a 15-year fixed loan could provide long-term savings through reduced interest expense. Conversely, the 30-year fixed product remains suitable for members needing lower monthly payments despite slightly higher rates. Evaluating your mortgage strategy with these trends in mind is prudent; consider refinancing only if projected savings surpass associated costs.For details, visit https://www.pefcu.com/loans/more-loan-info/loan-rates/#:~:text=financial%20institutions%20only.-,Mortgage%20RATES,-As%20of%20August.
SECURITY SERVICE FEDERAL CREDIT UNION
As of September 3, 2026, jumbo mortgage rates at SECURITY SERVICE remain steady with the 15-Year Fixed Jumbo and 30-Year Fixed Jumbo loan programs holding firm at 6.375% and 6.875%, respectively. These rates show no change over the past week or month, indicating stable borrowing costs for high-value home purchases. The 15-year fixed jumbo rate at 6.375% represents the lowest yield in today’s offerings, which may appeal to members prioritizing accelerated equity build-up and lower interest expense despite potentially higher monthly payments. For members considering long-term affordability, the 30-year fixed jumbo at 6.875% offers a consistent cost structure without recent volatility. Given this stability, members should evaluate their mortgage strategy carefully; those valuing payment predictability might lean toward fixed-rate options, while others could explore refinancing if their current rates exceed today’s benchmarks.For details, visit https://www.ssfcu.org/rates/home-loan-rates.
TROPICAL FINANCIAL CREDIT UNION
As of September 3, 2026, 15-year Jumbo fixed-rate loans remain steady at 6.00% with 1.0 point, showing no change from both one week and one month ago. Conversely, the 30-year Jumbo fixed-rate loan rose by 12.5 basis points over the past week to 6.25%, marking a parallel increase compared to 30 days prior. This slight uptick in longer-term jumbo rates may increase borrowing costs for members seeking extended financing on higher-value properties. For those prioritizing rate stability, the unchanged 15-year Jumbo option offers predictable payments and potentially lower total interest expense. Members should carefully assess their mortgage horizon; consider locking in fixed rates if aiming for consistent budgeting or evaluate refinancing if current rates exceed savings thresholds over loan duration.For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.
UNITED CREDIT UNION
As of September 3, 2026, the 30-Year Fixed Jumbo Purchase mortgage rate remains steady at 6.0%, showing no change over the past week or month. This stability indicates consistent borrowing costs for members seeking higher-value home financing. For prospective buyers with jumbo loan needs, maintaining this rate environment supports clearer budgeting without unexpected yield spread shifts.While rates hold firm, members should evaluate their mortgage strategy carefully; fixed-rate jumbo loans provide predictability amidst broader market fluctuations. Those considering refinancing should analyze whether current rates offer tangible savings compared to their existing loan terms, given the unchanged cost of borrowing in this segment.For details, visit https://www.unitedfcu.com/rates-and-fees/rates/mortgage-rates.
WINGS FINANCIAL CREDIT UNION
As of September 3, 2026, the 30-year Fixed Jumbo Loan purchase rate at WINGS FINANCIAL remains steady at 6.5% with 1.0 point, showing no change over the past 7 or 30 days. This stability in jumbo loan rates maintains current yield spreads without additional upward pressure on borrowing costs for high-value homebuyers. For members seeking large loan amounts, this consistency supports clearer budgeting and long-term financial planning. While rates have held steady recently, they remain elevated compared to six months ago when rates were closer to 5.625%, reflecting ongoing market conditions.Members should consider fixed-rate jumbo loans if prioritizing payment predictability amid potential market volatility. Evaluating refinancing options may be prudent if current rates exceed your original loan terms by a meaningful margin.For details, visit https://www.wingscu.com/rates/mortgages-purchase#main.
Zillow National Average
As of September 3, 2026, mortgage rates reflect a mixed trend. The 15-Year Fixed Rate Jumbo is currently at 6.156%, down by 12 basis points from yesterday, indicating a slight easing in borrowing costs for this product. Conversely, the 30-Year Fixed Rate Jumbo has increased to 6.601%, rising by 2 basis points in the last day. Over the past week, the 30-Year Fixed Rate Jumbo has shown the largest increase, climbing 25 basis points, while the 15-Year Fixed Rate Jumbo has decreased slightly over the month. Borrowers should evaluate these fluctuations as they may impact overall loan affordability and monthly payments.
Federal Reserve Economic Trends
As of September 3, 2026, breakeven inflation rates for both 10-year and 5-year periods remain stable at 2.340% and 2.350%, respectively, signaling steady inflation expectations that influence overall economic conditions and borrowing costs. Notably, the Mortgage 30Yr Average Rates have seen the largest decline of 6.66 points over the past week, which may benefit potential homebuyers despite being significantly higher than historical lows. The lowest mortgage rate recorded is from the 15-Year Average Rates, currently at 0%, highlighting market volatility. With rising rates across various mortgage types, borrowers should closely monitor these trends to make informed decisions about their financing options.
LendMesh
Sometimes, the first step toward a new home is the hardest—especially when it feels like there are more questions than answers. That’s why LendMesh exists: to make the mortgage process less intimidating and more empowering. We bring together leading credit unions and banks, letting you see competitive rates and special programs with just a few clicks. Our expert tips and easy-to-use calculators help you understand your options and prepare for what’s ahead. No sales pitch—just real advice, from people who’ve helped thousands of buyers find their footing. Curious how much you could save, or want to see today’s rates? Start by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . We’re here to help you take the next step, at your pace.
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Conclusion
As you navigate today’s mortgage landscape, keep in mind that even small rate changes can add up over time. For example, an increase of just 8 basis points on a 30-year fixed loan can raise monthly payments noticeably and inflate total interest costs across decades. With jumbo loans inching higher but solid options like Certified Credit Union’s 5.125% 15-year fixed still available, weigh your priorities carefully, whether that means locking in a longer term now or exploring shorter-term loans to save on interest. Staying informed about trends like rising inflation expectations will help you anticipate future shifts and choose wisely. Ultimately, grounding your decision in clear numbers rather than uncertainty will serve your financial health best.