Introduction
As of September 7, 2026, mortgage rates show a steady landscape with pockets of opportunity for savvy homebuyers and investors. While most Credit Unions hold their rates firm, Houston’s recent uptick reminds us how small shifts can influence monthly budgets. If you’re eyeing a purchase, the lowest rate today is 4.5% on a 30-year fixed mortgage from Coast Central Credit Union, offering a solid starting point for long-term planning. Meanwhile, Zillow reports a slight rise in Jumbo loan rates, nudging them above 6.3%, while inflation expectations tick up modestly according to the Fed’s breakeven data. Here’s what you need to know before locking in a rate, because even a fraction of a percentage point affects your wallet more than you might think.
At a glance
New Purchase - Conventional 15 yrs Fixed
| Lender | 2026-09-07 Current | 2026-08-31 7 Days Ago | 2026-08-23 15 Days Ago | 2026-08-08 30 Days Ago | 2026-07-24 45 Days Ago | 2026-07-09 60 Days Ago | 2026-06-09 90 Days Ago | 2026-03-11 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNIONLOWEST | 5.00% | 5.00% | 5.00% | 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% |
| 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% |
| HOUSTON FEDERAL CREDIT UNION | 5.50%▲ 38 bps | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.00% | 4.88% |
| MCCOY FEDERAL CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% |
| 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% | 5.63% | 5.50% | 5.50% | 5.63% | 5.50% | 5.38% | 4.88% |
| 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 - Conventional 30 yrs Fixed
| Lender | 2026-09-07 Current | 2026-08-31 7 Days Ago | 2026-08-23 15 Days Ago | 2026-08-08 30 Days Ago | 2026-07-24 45 Days Ago | 2026-07-09 60 Days Ago | 2026-06-09 90 Days Ago | 2026-03-11 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| COAST CENTRAL CREDIT UNIONLOWEST | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 6.50% | 6.50% |
| 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% |
| CERTIFIED FEDERAL CREDIT UNION | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| MCCOY FEDERAL CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 6.13% | 6.13% | 6.13% | 5.88% | 5.88% | 5.88% | 5.63% | 5.63% |
| HOUSTON FEDERAL CREDIT UNION | 6.13%▲ 25 bps | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.75% |
| HAWAII STATE FEDERAL CREDIT UNION | 6.38% | 6.38% | 6.25% | 6.13% | 6.25% | 6.13% | 6.00% | 5.63% |
| 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.
ALABAMA CREDIT UNION
As of September 7, 2026, the 15 Year Fixed, First Mortgage Purchase rate in Alabama remains steady at 5.625%, unchanged from both one week and one month ago. This stability in rates translates to consistent borrowing costs for members seeking fixed-rate home loans with shorter terms. For first-time buyers and those prioritizing predictable monthly payments, this rate offers clarity without yield spread fluctuations seen in adjustable products. Although no recent rate decreases provide immediate refinancing incentives, members might still evaluate fixed-rate options to lock in predictable payments amid broader market uncertainties. Given current data, homeowners should consider refinancing only if projected savings exceed associated closing costs. For details, visit https://www.alabamacu.com/lending/home-loans/mortgage-rates.
CERTIFIED FEDERAL CREDIT UNION
As of September 7, 2026, CERTIFIED reports steady mortgage rates with no changes over the past week or month. The 15-Year Fixed Purchase rate remains at 5.125%, representing the lowest yield among available options, while the 30-Year Fixed Purchase rate holds at 5.875%. These unchanged rates indicate stable borrowing costs for homebuyers prioritizing predictable payments.For first-time buyers and those seeking shorter loan terms, the 15-Year Fixed option offers a lower interest rate, which can reduce total interest paid over the life of the loan despite higher monthly payments. Conversely, the 30-Year Fixed product provides longer-term payment flexibility but at a higher cost of borrowing.Given this rate stability, members should assess their mortgage strategies carefully. Those valuing payment certainty may consider fixed-rate options; meanwhile, homeowners contemplating purchase financing can plan without concern for immediate rate volatility. Evaluating refinancing remains advisable if potential savings outweigh associated costs.For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
COAST CENTRAL CREDIT UNION
As of September 07, 2026, the 30-year Fixed-Rate Mortgage for home purchases remains steady at 4.5%, showing no change over the past week or month. This stability in rates translates to consistent borrowing costs for members seeking long-term financing, particularly benefiting first-time buyers who prioritize predictable payments. While unchanged, these rates are notably lower compared to six months ago, when they were at 6.5%, reflecting a significant improvement in yield spreads and overall market conditions.Members considering fixed-rate options can expect reliable budgeting without exposure to rate volatility. Given this environment, it is prudent to evaluate refinancing opportunities if current rates remain below existing loan terms, potentially reducing long-term interest expenses.For details, visit https://www.coastccu.org/personal/mortgage-loans/.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
On September 7, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 5.0%, unchanged over the past week but up 25 basis points compared to 30 days ago. Meanwhile, the 30-Year Fixed Purchase rate holds at 6.125%, also stable week-over-week with a similar 25 basis point increase month-over-month. These yield spreads indicate a modest rise in borrowing costs since late August, impacting affordability for new homebuyers and those locking in longer-term financing. Members prioritizing payment stability may find value in fixed-rate options despite recent upticks. For existing homeowners considering refinancing, evaluating current equity against these rate trends is advisable to determine potential savings relative to closing costs. Review your mortgage strategy carefully as slight rate increases can influence long-term financial outcomes. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
As of September 7, 2026, HAWAII STATE credit union reports stable mortgage rates for key purchase loan products. The 15-Year Fixed Purchase rate remains at 5.625% with 1.875 points, unchanged from last week but up 12.5 basis points over 30 days, indicating a modest increase in borrowing costs for shorter-term fixed loans. Similarly, the 30-Year Fixed Purchase rate holds steady at 6.375% with 1.25 points, showing no weekly change but a 25 basis point rise compared to one month ago, reflecting slightly wider yield spreads impacting longer-term financing.For prospective homebuyers prioritizing predictable payments, the 15-Year Fixed offers the lowest rate today. Given these trends, members should assess their mortgage strategy carefully; consider fixed-rate options if stability is paramount or evaluate refinancing opportunities when long-term savings surpass associated costs.For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HOUSTON FEDERAL CREDIT UNION
As of September 7, 2026, fixed-rate purchase mortgages in Houston have experienced notable increases. The 15-year fixed purchase rate rose by 37.5 basis points to 5.50%, marking the lowest rate across available options. Similarly, the 30-year fixed purchase rate climbed 25 basis points to 6.125% compared to last week. These yield spreads indicate a higher cost of borrowing for both short- and long-term commitments relative to recent weeks.For members prioritizing payment stability and faster equity buildup, the 15-year fixed option at 5.50% remains the most cost-effective choice despite the increase. Meanwhile, those seeking longer amortization will face elevated rates on the 30-year fixed loan at 6.125%, impacting monthly affordability.Given these movements, members should carefully evaluate their mortgage strategy; consider fixed-rate loans if you value predictable payments or assess refinancing opportunities when potential savings outweigh closing costs.For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of September 7, 2026, 15-Year Fixed-Rate Mortgages for home purchases remain steady at 5.25%, matching last week’s rate with no change in yield spread. This rate holds as the lowest option available, reflecting stable borrowing costs for members prioritizing shorter loan terms and accelerated equity building. Similarly, the 30-Year Fixed-Rate Mortgage stands firm at 5.50%, unchanged over the past seven and thirty days, offering a consistent long-term financing option with predictable payments.For first-time buyers and those valuing payment stability, these fixed rates provide clear cost expectations amid an otherwise volatile market environment. Veterans or refinance seekers should note current rates’ stability suggests limited immediate incentive to refinance unless significant principal reduction is achievable.Members should consider fixed-rate products if prioritizing budget certainty; evaluating refinancing options is advisable when potential savings exceed associated costs. For details, visit https://www.tvacreditunion.com/borrow/loans/home-loans.html.
MCCOY FEDERAL CREDIT UNION
As of September 7, 2026, mortgage rates at MCCOY remain stable across key fixed-rate purchase programs. The 15-year fixed purchase loan holds at 5.5%, maintaining the lowest yield among current offerings with no change over the past week or month. Meanwhile, the 30-year fixed purchase loan rate remains steady at 6.0%, reflecting consistent borrowing costs for longer-term financing.This rate stability benefits members seeking predictable payment schedules; first-time buyers may find the 15-year fixed option advantageous for accelerated equity building due to its lower rate. Conversely, borrowers prioritizing smaller monthly payments might prefer the unchanged 30-year fixed structure despite its higher cost of borrowing.Given these flat yield spreads, members should assess their mortgage strategy carefully. Consider locking in a fixed-rate if you value payment certainty or evaluate refinancing only if projected savings exceed associated fees.For details, visit https://www.mccoyfcu.org/rates/mortgages.html.
SECURITY SERVICE FEDERAL CREDIT UNION
As of September 7, 2026, fixed-rate mortgage products for home purchases remain stable. The 15-Year Fixed loan holds steady at 6.375%, matching rates from both one week and one month ago. Similarly, the 30-Year Fixed purchase rate remains unchanged at 6.875%, reflecting no movement over the past 7 and 30 days. These consistent yields suggest minimal volatility in borrowing costs for members seeking long-term rate certainty.For buyers prioritizing lower interest expense over a shorter term, the 15-Year Fixed at 6.375% represents the lowest available rate today. Stability in these rates supports predictable payment planning, important for first-time homebuyers and those managing tighter budgets. Members considering refinancing should evaluate whether current fixed rates align with their financial goals, particularly if locking in a rate mitigates future market risk.Given no recent changes in these key fixed-rate programs, members may benefit from assessing mortgage strategies emphasizing long-term cost control and payment stability. For details, visit https://www.ssfcu.org/rates/home-loan-rates.
SILVER STATE SCHOOLS CREDIT UNION
As of September 07, 2026, mortgage rates at Silver State Schools remain stable across key fixed-rate purchase programs. The 15-Year Fixed Purchase loan holds steady at 5.25% with 1.0 point, representing the lowest rate among today’s options and unchanged over the past 7 and 30 days. Meanwhile, the 30-Year Fixed Purchase loan maintains a consistent yield of 5.75% with 1.0 point, also without movement in recent weeks.For borrowers prioritizing predictable payments, these stable yields indicate no increased cost of borrowing for fixed-rate options this month. First-time buyers seeking shorter terms benefit from the low 15-year fixed rate, while those needing longer amortization periods can rely on the unchanged 30-year fixed rate to plan accordingly.Members should evaluate their mortgage strategy based on current stability; consider fixed-rate products if payment certainty is critical or assess refinancing only 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
As of September 7, 2026, mortgage rates are showing slight upward trends. The 15-Year Fixed Rate Jumbo is currently at 6.336%, up by 0.02 basis points from yesterday and 0.07 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.567%, reflecting a modest increase of 0.01 basis points in one day and a rise of 0.08 basis points over the last month. Borrowers should note these changes when considering their financing options, as even minor fluctuations can affect overall borrowing costs. Monitoring these trends may help borrowers make informed decisions regarding their mortgage choices.
Federal Reserve Economic Trends
Inflation expectations, as indicated by the Breakeven Inflation Rates for both 10-year and 5-year periods, suggest a stable outlook with minor fluctuations. However, the significant decline in Mortgage Rates, particularly the 30-Year Jumbo Average Rates which fell by 6.82 points today, signals a potential shift in borrowing costs. Other mortgage rates also saw substantial drops; for instance, the 30-Year Average Rates decreased by 6.69 points over the last 30 days. Borrowers may benefit from these lower rates, especially considering that the lowest rate noted is 6.431% for 30-Year VA loans. Monitoring these trends can help borrowers make informed decisions about financing their homes.
LendMesh
Every home has a story, and so does every mortgage. At LendMesh, we understand that life changes—maybe you’re welcoming a new family member, relocating for a dream job, or finally saving up for that perfect neighborhood. Our team has built relationships with a diverse range of credit unions and banks, allowing us to bring you up-to-date rates and special lending programs tailored for real life. You won’t find generic advice here; instead, you’ll get insights and tips that match your unique journey. Thinking about what comes next? Discover our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and let us help you write your next chapter with confidence.
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Conclusion
Looking ahead, it pays to keep an eye on subtle changes in mortgage rates and inflation trends. Even small increases like Houston’s 0.375% jump on the 15-year fixed can add tens of dollars to your monthly payment or thousands over time. For buyers and refinancers, locking in at today’s lowest fixed rate of 4.5% could mean significant savings down the road. Homeowners should weigh whether waiting for potential dips outweighs the cost of ongoing higher payments. Staying informed helps you time your move wisely and avoid surprises in borrowing costs. Remember, understanding these nuances turns market data into real financial advantage, making your homeownership journey smoother and more predictable.