Introduction
As of September 8, 2026, mortgage rates are showing subtle shifts that could influence your next move. Whether you’re buying your first home or refinancing, understanding today’s landscape helps you make smarter choices. Credit Unions continue to offer competitive options, with Potlatch No 1 Financial’s 15-year fixed purchase loan at 5.375% standing out as the lowest rate available. Zillow reports a slight drop in jumbo 30-year fixed rates to 6.606%, signaling some easing in higher-balance markets. Meanwhile, Federal Reserve data keeps an eye on inflation expectations, which indirectly affect borrowing costs. Here’s what you need to know before locking in a rate, small changes now can shape your payment for years.
At a glance
New Purchase - VA 15 yrs Fixed
| Lender | 2026-09-08 Current | 2026-09-01 7 Days Ago | 2026-08-24 15 Days Ago | 2026-08-09 30 Days Ago | 2026-07-25 45 Days Ago | 2026-07-10 60 Days Ago | 2026-06-10 90 Days Ago | 2026-03-12 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 5.38%▲ 13 bps | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.13% | 4.88% |
| CREDIT UNION 1 CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.25% | 5.25% | 5.25% | 5.13% | 5.13% |
| NAVY FEDERAL CREDIT UNION | 5.50% | 5.50% | 5.38% | 5.50% | 5.38% | 5.25% | 5.25% | 4.88% |
| ENT CREDIT UNION | 5.63%▲ 13 bps | 5.50% | 5.50% | 5.50% | 5.38% | 5.50% | 5.50% | 5.00% |
| WHATCOM EDUCATIONAL CREDIT UNION | 5.63% | 5.63% | 5.50% | 5.50% | 5.50% | 5.38% | 5.38% | 5.13% |
| SPACE COAST CREDIT UNION | 5.88%▲ 13 bps | 5.75% | 5.75% | 5.75% | 5.63% | 5.25% | 5.38% | 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 | 2026-09-08 Current | 2026-09-01 7 Days Ago | 2026-08-24 15 Days Ago | 2026-08-09 30 Days Ago | 2026-07-25 45 Days Ago | 2026-07-10 60 Days Ago | 2026-06-10 90 Days Ago | 2026-03-12 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| UNIVERSITY OF WISCONSIN CREDIT UNIONLOWEST | 0.00%▼ 699 bps | 6.99% | 6.99% | 6.75% | 6.88% | 6.88% | N/A | N/A |
| U.S. EAGLE FEDERAL CREDIT UNION | 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% | 5.63% | 5.63% | 5.50% | 5.63% | 5.25% |
| 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 | 5.99%▲ 12 bps | 5.88% | 5.88% | 5.75% | 5.75% | 5.75% | 5.63% | 5.38% |
| ENT CREDIT UNION | 6.13%▲ 13 bps | 6.00% | 6.13% | 6.00% | 5.88% | 6.00% | 6.00% | 5.63% |
| SELCO COMMUNITY CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% |
| WHATCOM EDUCATIONAL CREDIT UNION | 6.38% | 6.38% | 6.25% | 6.25% | 6.25% | 6.13% | 6.13% | 5.75% |
| SPACE COAST CREDIT UNION | 6.63%▲ 13 bps | 6.50% | 6.50% | 6.50% | 6.38% | 6.00% | 6.13% | 6.00% |
| NAVY FEDERAL CREDIT UNION | 7.00% | 7.00% | 5.75% | 5.88% | 6.88% | 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
On September 8, 2026, VA Loans for purchase maintain stable rates at 5.5% for the 15-year fixed and 5.875% for the 30-year fixed programs. Compared to a week ago, these rates show no change, but over the past 30 days, both have increased by 25 basis points, reflecting a moderate upward shift in borrowing costs. For veterans and first-time homebuyers, this means slightly higher monthly payments than a month prior, though rates remain consistent week-to-week. Members seeking predictable payments may find value in these fixed-rate options amid recent yield spread movements. Given this stability and modest monthly increase, consider evaluating your mortgage strategy; locking in a rate now could mitigate further cost escalation.For details, visit https://www.cu1.org/rates#real-estate-rates.
ENT CREDIT UNION
On September 8, 2026, VA 15-Year Fixed Purchase rates increased by 12.5 basis points, rising to 5.625% from last week’s 5.5%. Similarly, the VA 30-Year Fixed Purchase rate edged up by 12.5 basis points to 6.125% over the same period. Both products show a consistent upward trend compared to 30 days ago, with yield spreads widening by the same margin. These rate adjustments increase the cost of borrowing for veterans pursuing home purchases, particularly impacting those prioritizing longer-term stability or accelerated payoff through shorter terms. Members should weigh the benefits of locking in current fixed rates against potential future increases and consider their financial horizon carefully. For veterans seeking predictable payments, evaluating the 15-year fixed VA loan may offer controlled interest exposure despite recent upticks. Consider your mortgage strategy with attention to refinancing opportunities if savings surpass associated costs.For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
NAVY FEDERAL CREDIT UNION
As of September 8, 2026, Navy Federal Credit Union's mortgage rates remain steady for key products. The 15-year Fixed VA loan holds at a competitive 5.5% with 0.5 points, unchanged over the past week and month, providing consistent borrowing costs for veterans seeking shorter-term financing. Conversely, the Military Choice 30-year Fixed purchase loan remains at 7.0% with 0.5 points, marking a significant increase of +112.5 basis points over 30 days, reflecting higher long-term cost pressures for borrowers favoring extended amortization.Members prioritizing predictability might consider the stable VA 15 Year Fixed rate, while those evaluating home purchases under the Military Choice program should assess affordability given recent yield spread expansions. For homeowners contemplating long-term financing, reviewing current rates against recent trends is advisable; consider fixed-rate options if you value payment stability or evaluate refinancing only when projected savings outweigh associated costs.For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
PENTAGON FEDERAL CREDIT UNION
As of September 8, 2026, the 30-year Fixed VA Loan purchase rate remains steady at 5.75%, unchanged over the past week but up 12.5 basis points compared to 30 days ago. This increase reflects a modest rise in borrowing costs for veterans and military families seeking stable, long-term financing. For first-time buyers relying on VA-backed mortgages, maintaining a fixed rate provides predictability despite recent upward yield spreads. Given this rate environment, members should assess their mortgage strategy carefully; those valuing payment stability may prefer locking in fixed rates now, while others might evaluate refinancing options if market conditions shift favorably. Continuous monitoring of rate trends is advisable to optimize long-term financial outcomes.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 8, 2026, 15-Year Fixed Purchase mortgage rates have increased by 12.5 basis points to 5.375%, marking a modest rise compared to last week and the past month. Meanwhile, the 30-Year Fixed Purchase rate moved higher by 11.5 basis points, reaching 5.99%, reflecting a more pronounced yield spread expansion over the last 30 days with a total increase of 24 basis points.For homebuyers prioritizing lower borrowing costs and shorter terms, the 15-Year Fixed Purchase remains the lowest rate available, though recent upward pressure may slightly affect monthly payments. Those considering longer-term financing options should note the steady climb in the 30-Year Fixed Purchase rate, which could increase total interest expenses over time.Members evaluating their mortgage strategy should weigh fixed-rate stability against current market trends; refinancing may be advantageous if potential savings surpass associated costs given these rising rates. For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SELCO COMMUNITY CREDIT UNION
As of September 8, 2026, the 30 Year VA Manufactured Home Purchase loan remains steady at a rate of 6.125%, with no change over the past 7 or 30 days. This stability in yield spreads means borrowing costs for veterans purchasing manufactured homes (excluding those on rented land) have not fluctuated recently. For veterans considering homeownership, this consistent fixed rate offers predictability in long-term payments without concerns over rising interest expenses. Given these stable conditions, members should assess whether locking in this fixed-rate mortgage aligns with their financial goals, especially if they prioritize payment certainty. Evaluating your mortgage strategy now can help optimize borrowing costs and plan effectively for future financial commitments. For details, visit https://www.selco.org/loans/home-loans/purchase-a-home/.
SPACE COAST CREDIT UNION
On September 8, 2026, 15-year fixed purchase mortgage rates rose by 12.5 basis points to 5.875%, marking a steady increase over the past month. Similarly, the 30-year fixed purchase rate increased by 12.5 basis points to 6.625% compared to 30 days ago. These upward shifts reflect tightening yield spreads that raise the overall cost of borrowing for homebuyers locking in fixed terms.For members pursuing home purchases, the increase in longer-term fixed rates suggests a higher monthly payment burden, particularly for those opting for the 30-year term with its comparatively higher rate. First-time buyers and those valuing payment stability should consider how these incremental rate changes affect affordability and loan budgeting.Given these dynamics, it is prudent to evaluate fixed-rate mortgage options carefully and consider refinancing if potential savings outweigh closing costs, especially for homeowners with existing loans at higher rates. Maintaining awareness of current rate trends supports informed mortgage strategy decisions aligned with long-term financial goals.For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
UNIVERSITY OF WISCONSIN CREDIT UNION
On September 8, 2026, the 30-year Fixed VA Loan purchase rate at University of Wisconsin Credit Union remains at an all-time low of 0.00%, marking a significant drop of 699 basis points compared to last week and 675 basis points from 30 days ago. This unprecedented yield spread reduction sharply lowers the cost of borrowing for eligible veterans and first-time buyers seeking stable financing. Such a decline enhances affordability in home purchases and may prompt reconsideration of fixed-rate options to lock in historically low costs. Members should analyze their mortgage strategies closely; for veterans, this presents a rare opportunity to secure long-term financing with minimal interest expense. Evaluating refinancing alternatives could also be beneficial if current rates align favorably with outstanding loan terms. For details, visit https://www.uwcu.org/rates/mortgage-purchase.
U.S. EAGLE FEDERAL CREDIT UNION
On September 8, 2026, the 30-Year Fixed Purchase mortgage rate remains steady at 5.625%, showing no change from both one week and one month ago. This stability indicates consistent yield spreads and borrowing costs for members seeking long-term fixed-rate financing. For first-time buyers and those prioritizing payment predictability, the unchanged rate maintains a clear cost baseline without added volatility. Veterans or borrowers considering refinancing will find no immediate incentive from rate movement; however, locking in this rate could safeguard against future market fluctuations. Members should evaluate their mortgage strategy with an emphasis on fixed-rate options if they value payment certainty or consider refinancing only if potential savings surpass associated costs. For details, visit https://www.useagle.org/rates/home-mortgage-rates.
WHATCOM EDUCATIONAL CREDIT UNION
As of September 8, 2026, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.625%, unchanged over the past week but up by 12.5 basis points compared to 30 days ago. Similarly, the VA 30-Year Fixed Purchase rate remains steady at 6.375% for the week, reflecting a 12.5 basis point increase month-over-month. These stable short-term yields indicate limited volatility in veteran-focused fixed-rate mortgages; however, the upward trend over the last month suggests a modest rise in borrowing costs.For veterans and homebuyers prioritizing long-term budget predictability, evaluating fixed-rate VA loan options is advisable given current market consistency. Members considering purchase loans should monitor these incremental rate changes as they impact overall yield spreads and monthly payments. Those weighing refinancing might find limited immediate benefit unless rate differentials exceed closing costs.Consider aligning mortgage decisions with your financial horizon and risk tolerance; fixed terms offer certainty amid gradual rate shifts. For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
Mortgage rates are showing a mixed trend today, September 8, 2026. The 15-Year Fixed Rate Jumbo has decreased to 6.291%, down by 14 basis points from yesterday and up by 20 basis points compared to six months ago. Conversely, the 30-Year Fixed Rate Jumbo is at 6.606%, reflecting a slight increase of 24 basis points over the past day and a more significant rise of 36 basis points over the last six months. Borrowers should be mindful of these fluctuations as they influence the overall cost of borrowing; considering locking in rates now could be beneficial, especially with the current lowest rate available on the 15-Year Fixed Rate Jumbo.
Federal Reserve Economic Trends
Recent data reveals significant fluctuations in mortgage rates, influenced by changing inflation expectations. The Breakeven Inflation Rate for both 10-year and 5-year terms has dropped to 0.000, reflecting a shift in market sentiment. Notably, the largest 1-day change occurred in the Mortgage 30Yr Jumbo Average Rates, which fell by 6.75 points, while the most considerable 30-day decline was also observed in the same category, decreasing by 6.69 points. These changes indicate a potential easing of borrowing costs for homeowners, with the lowest mortgage rate recorded at 6.450% for 30-year VA loans. Borrowers should monitor these trends closely, as they could signal favorable conditions for securing loans in the near future.
LendMesh
A mortgage isn’t just a loan—it’s a stepping stone to a new beginning. At LendMesh, we know every decision matters, from choosing the right lender to locking in a rate that fits your goals. That’s why our platform was built to give you real options, not just the lowest rates but also trusted advice and lender partnerships that value your long-term success. With LendMesh, you can compare offers from leading credit unions and banks side by side, get answers to the questions you didn’t even know to ask, and find support every step of the way. Take control of your homebuying journey by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . Let’s make your dream home a reality—together.
Conclusion
Looking ahead, even modest increases like the quarter-point rise seen in several Credit Union 15- and 30-year fixed rates can add up over time, nudging monthly payments higher and increasing total interest paid. If you’re on the fence about buying or refinancing, consider locking in a rate near today’s lows, such as Potlatch No 1 Financial’s 5.375% on a 15-year fixed loan, to capitalize on affordability before rates potentially climb further. Keep an eye on inflation trends too; they often foreshadow how lenders price mortgages. Thoughtful timing and choosing the right program could save thousands over your loan term. Stay informed and weigh your options carefully, your financial future depends on it.