Introduction
On September 10, 2026, mortgage rates are nudging upward, but there’s still room to find competitive deals if you know where to look. Credit unions show slight increases in jumbo loan rates, with California Coast and Aberdeen Proving Ground each raising their 15- and 30-year fixed jumbo rates by a quarter point. Zillow data echoes this trend, reporting a climb in the 15-year fixed jumbo rate to 6.393% and the 30-year fixed jumbo to 6.641%. Meanwhile, inflation expectations tick up modestly according to Federal Reserve data, hinting at persistent economic pressures. For those aiming for the best deal today, the Certified Credit Union offers a standout 15-year fixed purchase rate at 5.125%, holding steady from last week. Here’s what you need to know before locking in a rate.
At a glance
New Purchase - Jumbo 15 yrs Fixed
| Lender | 2026-09-10 Current | 2026-09-03 7 Days Ago | 2026-08-26 15 Days Ago | 2026-08-11 30 Days Ago | 2026-07-27 45 Days Ago | 2026-07-12 60 Days Ago | 2026-06-12 90 Days Ago | 2026-03-14 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CERTIFIED FEDERAL CREDIT UNIONLOWEST | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% |
| CONSUMERS CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNION | 5.50%▲ 7 bps | 5.43% | 5.43% | 5.45% | 5.35% | 5.23% | 5.27% | 4.78% |
| TROPICAL FINANCIAL CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 5.75% | 5.63% | 5.75% | 5.50% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 6.38%▲ 25 bps | 6.13% | 6.00% | 5.88% | 6.00% | 5.75% | 5.63% | 5.38% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.00% |
| CALIFORNIA COAST CREDIT UNION | 6.50%▲ 25 bps | 6.25% | 6.13% | 6.13% | 6.13% | 6.00% | 6.00% | 5.63% |
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 | 2026-09-10 Current | 2026-09-03 7 Days Ago | 2026-08-26 15 Days Ago | 2026-08-11 30 Days Ago | 2026-07-27 45 Days Ago | 2026-07-12 60 Days Ago | 2026-06-12 90 Days Ago | 2026-03-14 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CERTIFIED FEDERAL CREDIT UNIONLOWEST | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| UNITED CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | N/A |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNION | 6.03%▲ 6 bps | 5.97% | 5.97% | 5.93% | 5.86% | 5.74% | 5.76% | 5.23% |
| TROPICAL FINANCIAL CREDIT UNION | 6.25% | 6.25% | 6.13% | 6.13% | 5.88% | 5.88% | 5.88% | 5.63% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 6.88%▲ 25 bps | 6.63% | 6.63% | 6.50% | 6.50% | 6.25% | 6.13% | 5.88% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.50% |
| CONSUMERS CREDIT UNION | 7.00% | 7.00% | 6.88% | 6.88% | 6.88% | 6.75% | 6.75% | 6.25% |
| CALIFORNIA COAST CREDIT UNION | 7.13%▲ 25 bps | 6.88% | 6.75% | 6.75% | 6.75% | 6.63% | 6.63% | 6.25% |
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 10, 2026, Jumbo 15 Year Fixed Purchase rates rose by 25 basis points to 6.375%, marking the lowest rate available today. Similarly, the Jumbo 30 Year Fixed Purchase rate increased by 25 basis points to 6.875% over the past week. These upward shifts in yield spreads reflect a tightening cost of borrowing for jumbo loan borrowers compared to recent weeks, with increases of 50 and 37.5 basis points respectively over the last 30 days.For members seeking long-term financing stability, the Jumbo 15 Year Fixed offers a comparatively lower rate and may better suit those prioritizing shorter amortization periods despite slightly higher upfront points. Conversely, the Jumbo 30 Year Fixed extends repayment flexibility but at a higher interest cost.Members should carefully evaluate their mortgage strategy in light of these rate trends; consider fixed-rate options if you value predictable payments or assess refinancing only if potential savings outweigh associated expenses. For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.
CALIFORNIA COAST CREDIT UNION
As of September 10, 2026, 15-year Jumbo Fixed mortgage rates for purchase loans have risen to 6.5%, up by 25 basis points compared to last week and 38 basis points over the past month. Meanwhile, the 30-year Jumbo Fixed purchase rate increased to 7.125%, marking a similar weekly rise of 25 basis points and a monthly increase of 38 basis points. These upward shifts in yield spreads indicate a higher cost of borrowing for jumbo loan borrowers, particularly impacting those seeking long-term financing stability. Members pursuing jumbo purchases should carefully evaluate the trade-off between rate increases and loan term preferences. Given current trends, consider fixed-rate options if you prioritize predictable payments; otherwise, assess refinancing opportunities when potential savings outweigh associated costs. For details, visit https://www.calcoastcu.org/mortgage-rates/.
CERTIFIED FEDERAL CREDIT UNION
As of September 10, 2026, mortgage rates for purchase loans remain steady with no changes over the past week or month. The 15-Year Fixed purchase rate holds at a competitive 5.125%, representing the lowest yield among today’s offerings and providing a lower cost of borrowing for buyers seeking shorter-term commitments. Meanwhile, the 30-Year Fixed purchase rate remains at 5.875%, stable with no movement in basis points, reflecting consistent market conditions for long-term financing.For members prioritizing payment stability, the unchanged fixed rates suggest that locking in now can safeguard against future yield spread fluctuations. First-time buyers may find the 15-year option advantageous to reduce overall interest expense, while those needing longer amortization may prefer the 30-year term despite its higher rate.Given current stability, members should evaluate their mortgage strategy carefully; consider fixed-rate options if you value predictability, and assess refinancing only if potential savings justify associated costs. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
CONSUMERS CREDIT UNION
As of September 10, 2026, Jumbo 15 Year Fixed Purchase loans maintain a stable rate at 5.5%, showing no change over the past week or month. This rate remains the lowest available among today's jumbo options, reflecting consistent yield spreads and borrowing costs for borrowers seeking shorter-term fixed financing.Conversely, the Jumbo 30 Year Fixed Purchase rate holds steady at 7.0%, unchanged from last week but up by 12.5 basis points compared to 30 days ago. This increase slightly raises the long-term cost of borrowing for buyers prioritizing payment stability over an extended term.For members evaluating mortgage strategies, those valuing predictable payments might consider the stable 15-year jumbo fixed option to minimize interest expense. Meanwhile, potential borrowers assessing longer terms should monitor these incremental rate shifts closely. In all cases, carefully reviewing refinancing opportunities is advisable when potential savings exceed associated costs.For details, visit https://www.myconsumers.org/loans/home-loans/home-purchase-refinance.
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
As of September 10, 2026, 15-year fixed purchase mortgages are offered at a rate of 5.50%, marking an increase of 7 basis points from last week and 5 basis points over the past month. This reflects a modest rise in borrowing costs for members prioritizing quicker loan payoff. Meanwhile, the 30-year fixed purchase rate stands at 6.03%, up by 6 basis points week-over-week and 10 basis points month-over-month, indicating a slightly higher yield spread for long-term financing.Members seeking predictable payments may find value in these stable fixed-rate options despite recent upticks. First-time buyers should weigh the impact of rising rates on affordability, while those considering refinancing might evaluate if potential savings justify current costs. Given these trends, it is prudent to assess your mortgage strategy carefully and consider fixed-rate loans for cost certainty.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 10, 2026, mortgage rates for 15-Year Fixed Jumbo and 30-Year Fixed Jumbo loans remain steady at 6.375% and 6.875%, respectively. These rates show no change over the past 7 or 30 days, indicating a stable cost of borrowing in the jumbo loan market segment. For members seeking high-value home financing, the unchanged yield spreads suggest predictability in monthly payments and long-term budgeting.First-time buyers and those considering jumbo purchases should note that current rates are slightly elevated compared to six months ago but have plateaued recently, reducing volatility risk. Veterans or refinancers should evaluate whether locking into fixed-rate jumbo options aligns with their financial strategy given market stability.Given this data, members may want to consider fixed-rate jumbo products if they prioritize payment consistency; alternatively, evaluating refinancing opportunities is advisable when rate shifts exceed associated transaction costs. For details, visit https://www.ssfcu.org/rates/home-loan-rates.
TROPICAL FINANCIAL CREDIT UNION
As of September 10, 2026, 15-year Jumbo fixed-rate purchase loans remain steady at 6.00% with 1.0 points, showing no change over the past week or month. Meanwhile, the 30-year Jumbo fixed-rate purchase loans hold at 6.25% with 0.875 points, unchanged from last week but up by 12.5 basis points compared to 30 days ago. This yield spread indicates a slight increase in the cost of borrowing for longer terms.Members seeking stability might prefer the 15-year Jumbo fixed rate due to its consistent pricing and shorter term, reducing overall interest expense despite potentially higher monthly payments. Those considering longer-term financing should evaluate whether the recent uptick in the 30-year Jumbo rate affects their long-term affordability and refinance potential.Given these trends, it is prudent to assess your mortgage strategy carefully; consider fixed-rate options if you value payment certainty and evaluate refinancing only when projected savings exceed associated costs.For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.
UNITED CREDIT UNION
As of September 10, 2026, the Jumbo 30-Year Fixed Purchase mortgage rate remains steady at 6.0%, showing no change over the past week or month. This stability in yield spreads means the cost of borrowing for high-value home purchases has held firm, providing predictable financing conditions for borrowers in this segment. For members considering jumbo loans, such as those purchasing luxury properties or homes exceeding conforming loan limits, this consistency supports clearer long-term budgeting without unexpected rate fluctuations.Given the unchanged rate environment, borrowers prioritizing payment stability may continue to favor fixed-rate jumbo mortgages. It is advisable to evaluate your mortgage strategy carefully; if your financial profile aligns with jumbo lending criteria, locking in a fixed rate now could mitigate interest rate risk. Members should also review refinancing options when market conditions shift enough to lower effective borrowing costs significantly.For details, visit https://www.unitedfcu.com/rates-and-fees/rates/mortgage-rates.
Zillow National Average
As of September 10, 2026, mortgage rates are trending up. The 15-Year Fixed Rate Jumbo increased to 6.393%, reflecting a change of +0.11 basis points from yesterday and a rise of 0.18 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo is now at 6.641%, with a modest increase of 0.07 basis points since yesterday and a more significant rise of 0.31 basis points over the last two months. These rising rates indicate a higher cost of borrowing for potential homeowners, making it essential for borrowers to evaluate their options carefully in this shifting rate environment.
Federal Reserve Economic Trends
Inflation expectations, as indicated by the Breakeven Inflation Rates, influence mortgage rates and the overall cost of borrowing. Currently, the 15-Year Average Mortgage Rate stands at 6.09%, while the 30-Year FHA Average Rate is slightly higher at 6.624%. Notably, the most significant change in the past week was a decline of 6.71 points in the 30-Year Average Mortgage Rates, which directly impacts affordability for borrowers. In contrast, the largest increase over 30 days occurred in the 30-Year Jumbo Average Rates, rising by 0.20 points. Borrowers should monitor these trends to make informed decisions about mortgage options and timing for securing loans.
LendMesh
For many, a home is the biggest investment they’ll ever make. At LendMesh, we take that responsibility seriously. Our mission is to empower you—not just with competitive rates from trusted credit unions and banks, but also with the knowledge and confidence to make the best decision for your family. We’ve created guides, checklists, and calculators that turn the complicated world of mortgages into something you can actually understand. And we’re always just a click away if you need help along the way. Ready to see how LendMesh is changing the mortgage experience? Dive into our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and discover a smarter way to homeownership.
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Conclusion
As mortgage rates show subtle shifts this week, every fraction of a percent matters more than ever for your monthly budget and long-term savings. Even a small rise like the quarter-point bump on jumbo loans can add hundreds to your monthly payment or thousands over the life of your mortgage. If you’re buying or refinancing, consider locking in a lower-rate option like Certified’s 15-year fixed at 5.125% while it holds steady. Keep an eye on inflation trends too; they often foreshadow rate movements that could impact affordability down the road. Thoughtful timing combined with careful comparison across lenders will help you make smarter borrowing choices that protect your financial future without sacrificing your dream home.