Introduction
On September 11, 2026, mortgage rates are showing subtle shifts that could influence your next move in the housing market. While some lenders hold steady, others like Affinity Plus Credit Union have nudged their 15-year fixed refinance rate up to 6.375%, a modest increase of 25 basis points in a week. Zillow’s data echoes this trend with the 30-year fixed jumbo rate climbing to 6.745%, up nearly two-tenths from last week. Meanwhile, economic signals from the Federal Reserve reveal rising inflation expectations, hinting at further pressure on borrowing costs ahead. For those watching closely, the standout today is the 5.25% 15-year fixed refinance rate at Knoxville TVA Employees Credit Union, offering a rare lower-cost option in a rising rate environment. Here’s what you need to know before locking in a rate that fits your goals.
At a glance
Refinance - Conventional 15 yrs Fixed
| Lender | 2026-09-11 Current | 2026-09-04 7 Days Ago | 2026-08-27 15 Days Ago | 2026-08-12 30 Days Ago | 2026-07-28 45 Days Ago | 2026-07-13 60 Days Ago | 2026-06-13 90 Days Ago | 2026-03-15 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| KNOXVILLE TVA EMPLOYEES CREDIT UNIONLOWEST | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.13% |
| DELTA COMMUNITY CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.38% | 5.25% | 5.25% | N/A |
| FIRST COMMUNITY CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.38% | 5.50% | 5.13% |
| NECHES FEDERAL CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | N/A | N/A |
| LAUNCH CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.50% | 5.50% | N/A | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | N/A | N/A | 5.63% | 5.38% |
| SPACE COAST CREDIT UNION | 5.75% | 5.75% | 5.63% | 5.63% | 5.63% | 5.50% | 5.50% | 5.50% |
| CONNECTICUT STATE EMPLOYEES CREDIT UNION | 6.13%▲ 13 bps | 6.00% | 5.88% | 5.88% | 6.13% | 6.00% | 5.40% | 5.40% |
| AFFINITY PLUS FEDERAL CREDIT UNION | 6.38%▲ 25 bps | 6.13% | 6.13% | 6.13% | 6.13% | 6.00% | 5.88% | 5.38% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
Refinance - Conventional 30 yrs Fixed
| Lender | 2026-09-11 Current | 2026-09-04 7 Days Ago | 2026-08-27 15 Days Ago | 2026-08-12 30 Days Ago | 2026-07-28 45 Days Ago | 2026-07-13 60 Days Ago | 2026-06-13 90 Days Ago | 2026-03-15 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| KNOXVILLE TVA EMPLOYEES CREDIT UNIONLOWEST | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.75% |
| DELTA COMMUNITY CREDIT UNION | 6.25% | 6.25% | 6.25% | 6.25% | 6.13% | 6.00% | 6.00% | N/A |
| LAUNCH CREDIT UNION | 6.25% | 6.25% | 6.25% | 6.25% | 6.00% | 6.00% | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | N/A | N/A |
| FIRST COMMUNITY CREDIT UNION | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.13% | 6.25% | 5.75% |
| SPACE COAST CREDIT UNION | 6.50% | 6.50% | 6.38% | 6.38% | 6.38% | 6.25% | 6.25% | 6.25% |
| CONNECTICUT STATE EMPLOYEES CREDIT UNION | 6.75%▲ 13 bps | 6.63% | 6.50% | 6.50% | 6.75% | 6.50% | N/A | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 6.75% | 6.75% | 6.75% | 6.75% | N/A | N/A | 6.50% | 6.13% |
| AFFINITY PLUS FEDERAL CREDIT UNION | 6.88%▲ 13 bps | 6.75% | 6.75% | 6.75% | 6.75% | 6.50% | 6.38% | 5.88% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
AFFINITY PLUS FEDERAL CREDIT UNION
On September 11, 2026, 15-Year Fixed-Rate Conventional Refinance loans are priced at 6.375%, marking a notable increase of 25 basis points compared to one week ago. Similarly, the 30-Year Fixed-Rate Conventional Refinance rate stands at 6.875%, up by 12.5 basis points over the same period. These upward shifts reflect tightening yield spreads and higher borrowing costs, which may impact refinancing decisions for homeowners seeking to reduce monthly payments or shorten loan terms.Borrowers prioritizing stability might consider the 15-year fixed option, currently offering the lowest rates in this set; however, rising rates suggest careful evaluation of long-term affordability is essential. For those weighing refinancing benefits, analyzing whether potential savings exceed closing costs remains critical amid these recent rate increases.For details, visit https://www.affinityplus.org/rates/mortgage-rates.
CONNECTICUT STATE EMPLOYEES CREDIT UNION
As of September 11, 2026, mortgage rates for refinance options have edged higher. The 15-year fixed refinance rate increased by 12.5 basis points to 6.125%, up from 6.0% a week ago and showing a cumulative rise of 25 basis points over the past 30 days. Similarly, the 30-year fixed refinance rate rose by 12.5 basis points to 6.75%, reflecting a comparable trend in yield spreads and cost of borrowing for longer terms.For members considering refinancing, these incremental increases suggest evaluating whether the potential savings justify current market rates, especially given rising borrowing costs. Fixed-rate loans remain preferable for those prioritizing payment stability amid fluctuating market conditions.Data-driven borrowers should assess their mortgage strategy carefully; consider refinancing if projected savings exceed closing costs and lock in fixed rates to mitigate future rate volatility. For details, visit https://www.csecreditunion.com/Rates/Loan-Rates#firstmortgage.
DELTA COMMUNITY CREDIT UNION
As of September 11, 2026, refinance fixed-rate mortgages show stable pricing with the 15-year fixed at 5.50% and the 30-year fixed at 6.25%, both unchanged over the past week and month. These rates represent a modest increase compared to levels 45 to 90 days ago but have held steady recently, indicating limited short-term volatility in borrowing costs. For members focused on reducing interest expense over a shorter term, the 15-year fixed at 5.50% remains the lowest available rate option. Homeowners considering refinancing should evaluate their long-term savings against current yield spreads and closing costs. Given this stability, borrowers seeking predictable payments may find value in locking fixed-rate terms now while monitoring market shifts for potential future improvements.
FIRST COMMUNITY CREDIT UNION
As of September 11, 2026, 15 Year Fixed Refinance loans remain at 5.5%, unchanged over the past week and month, maintaining the lowest rate among today’s refinance options. Similarly, the 30 Year Fixed Refinance rate holds steady at 6.375%, with no change in yield spreads compared to last week or 30 days ago. This stability in rates suggests consistent borrowing costs for members considering refinancing.For borrowers prioritizing shorter-term payoff and lower interest expense, the 15 Year Fixed option offers a more favorable yield spread by approximately 87 basis points compared to the 30-year term. Those seeking predictable monthly payments amid current market conditions may find fixed-rate products advantageous given their rate consistency.Members should evaluate their refinancing strategy carefully; stable rates indicate potential savings depend on closing costs and loan terms. Consider fixed-rate options if you value payment certainty, and assess whether refinancing will reduce your long-term interest burden.For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of September 11, 2026, refinance rates for both the 15-Year Fixed-Rate Mortgage and 30-Year Fixed-Rate Mortgage remain steady at 5.25% and 5.5%, respectively. These unchanged yields over the past week indicate stable borrowing costs with no recent basis point fluctuations. The 15-year fixed option offers the lowest rate among today’s refinance products, potentially benefiting members aiming to reduce interest expense through accelerated payoff schedules. Meanwhile, the 30-year fixed maintains a consistent yield spread suitable for those prioritizing lower monthly payments despite higher total interest over time. Members considering refinancing should evaluate whether current rates align with their long-term financial goals; locking in a fixed-rate mortgage can provide predictability amid market uncertainties. For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.
LAUNCH CREDIT UNION
As of September 11, 2026, refinance mortgage rates at Launch Credit Union remain stable. The 15 Year Fixed refinance rate holds steady at 5.75% with 1.0 point, matching the level from both 7 and 30 days ago. Similarly, the 30 Year Fixed refinance rate is unchanged at 6.25% with 1.0 point, maintaining its position over the past month. These consistent yields suggest no recent volatility in borrowing costs for fixed-rate refinances, preserving predictability for homeowners seeking to adjust their loan terms.For members evaluating refinancing, the stable rate environment supports a careful review of long-term savings potential against upfront points paid. Consider fixed-rate options if you prioritize payment stability and evaluate whether refinancing aligns with your financial goals given current yield spreads. For details, visit https://www.launchcu.com/rates/#panel1_8.
NECHES FEDERAL CREDIT UNION
As of September 11, 2026, NECHES reports stable mortgage rates for refinance loans. The 15-Year Fixed Refinance rate remains at 5.5%, holding steady with no change in the past 7 or 30 days. Similarly, the 30-Year Fixed Refinance rate persists at 6.25%, unchanged over the same periods. This stability in rates indicates consistent yield spreads and borrowing costs for members seeking to refinance.For homeowners evaluating refinancing, these fixed-rate options offer predictable payments without recent volatility in interest expenses. Borrowers prioritizing payment certainty may find the 15-Year Fixed Refinance rate particularly advantageous due to its lower yield and shorter term, which can reduce overall interest paid despite higher monthly payments.Members should consider their financial goals carefully; stable rates suggest a good environment to assess refinancing viability, especially if potential savings outweigh associated fees. For details, visit https://www.nechesfcu.org/personal/home-loans/refinances/#rates.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 11, 2026, refinance fixed-rate mortgages remain stable with the 15-year fixed at 5.75% and the 30-year fixed at 6.75%, showing no change over the past week or month. These rates reflect consistent yield spreads since early August, maintaining borrowing costs for members considering refinancing. The 15-year fixed rate, currently the lowest in this update, offers a viable option for those prioritizing shorter loan terms and interest savings despite slightly higher monthly payments. Conversely, the 30-year fixed rate provides longer-term payment stability but at a higher interest cost. Members should analyze their financial goals carefully; consider fixed-rate products if you value predictability, and evaluate refinancing only if projected interest savings surpass associated costs. For details, visit https://www.rbfcu.org/home-loans-realty/mortgage-refinancing.
SPACE COAST CREDIT UNION
As of September 11, 2026, 15-year fixed refinance loans remain at a competitive 5.75%, unchanged from last week but up 12.5 basis points compared to 30 days ago. Similarly, the 30-year fixed refinance rate holds steady at 6.50%, showing no change over seven days yet rising by 12.5 basis points month-over-month. These yield spreads indicate a modest increase in borrowing costs over the past month, affecting long-term affordability for refinancing borrowers.Members considering refinancing should note that the 15-year fixed refinance option offers the lowest current rate, suitable for those prioritizing faster equity build-up and reduced interest expense. The stable weekly rates suggest limited short-term volatility, supporting evaluation of mortgage strategies aligned with financial goals and risk tolerance.For details, visit https://www.sccu.com/personal/mortgage-purchase-products/mortgage-refinance.
Zillow National Average
Mortgage rates have shown mixed movements today. The 15-Year Fixed Rate Jumbo increased to 6.482%, up by 0.09 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains steady at 6.745% with no change. Over the past week, the 30-Year Fixed Rate Jumbo saw a rise of 0.19 basis points, reflecting a significant upward trend in recent weeks, particularly with a 30-day increase of 0.42 basis points. Borrowers should consider these fluctuations as they impact overall borrowing costs; maintaining awareness of current rates can aid in making informed mortgage decisions.
Federal Reserve Economic Trends
Recent data indicates that inflation expectations, as reflected in the Breakeven Inflation Rates for both 10-year and 5-year periods, have stabilized at 2.400% and 2.460%, respectively. This stability may influence mortgage rates, which have shown modest increases, with the largest rise in Mortgage 30Yr Jumbo Average Rates, up by 0.17 points over the past week. Notably, the Mortgage 30Yr Usda Average Rate has increased by 0.31 points over the last 30 days, making it one of the most significant changes in recent weeks. The lowest mortgage rate recorded is 6.090% for the 15-Year Average Rates. Borrowers should remain vigilant about these trends, as shifts in inflation expectations can directly impact borrowing costs and financial planning decisions.
LendMesh
Buying a home isn’t just a transaction—it’s a new chapter in your life. At LendMesh, we’ve watched families take that leap with excitement and, yes, a little nervousness too. Our team’s biggest reward is hearing that someone found clarity and confidence after comparing options through our platform. We’re proud to work with both large and local credit unions and banks, so you always see a wide range of mortgage rates and lending programs. With honest guides, friendly calculators, and real people ready to answer your questions, you’re never left to guess what comes next. If you’re ready for advice that feels like it’s coming from a trusted friend, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Let’s make homeownership a reality, together.
Conclusion
As rates inch upward across the board, every fraction of a percent counts more than ever. Even a small increase in your 30-year fixed rate by around five basis points can add hundreds of dollars to your monthly payment and thousands over the life of your loan. If you’re considering refinancing or buying soon, focusing on credit unions like Knoxville TVA Employees could save you money with their competitive 5.25% 15-year fixed refinance rate. Keep an eye on inflation trends too; they often signal where rates might head next. The best approach is to lock in when you find a solid deal that matches your budget and timeline, don’t wait for perfect timing that might never come. Staying informed and flexible will help you turn today’s numbers into tomorrow’s homeownership success.