Introduction
On September 14, 2026, mortgage rates are showing subtle shifts that can make a real difference for homebuyers and refinancers alike. Whether you’re eyeing your first home or planning to refinance, today’s data from Credit Unions, Zillow, and the Federal Reserve reveals some promising options. The lowest rate available right now is a 15-year fixed loan at 4.00% through Eecu, offering an attractive choice for those seeking shorter-term stability. Meanwhile, jumbo loans on Zillow have nudged higher but still stay competitive. Inflation expectations are steady, suggesting the Fed may hold its course for now. Here’s what you need to know before locking in a rate to get the most value out of your next mortgage decision.
At a glance
New Purchase - Conventional 15 yrs Fixed
| Lender | 2026-09-14 Current | 2026-09-07 7 Days Ago | 2026-08-30 15 Days Ago | 2026-08-15 30 Days Ago | 2026-07-31 45 Days Ago | 2026-07-16 60 Days Ago | 2026-06-16 90 Days Ago | 2026-03-18 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| EECU CREDIT UNIONLOWEST | 4.00%▼ 234 bps | 6.34% | 4.00% | 6.21% | 4.00% | 4.00% | 5.84% | 4.00% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 5.00% | 5.00% | 5.00% | 5.00% | 4.75% | 4.75% | 4.75% | 6.00% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.50% |
| 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% | 5.50% | 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 | 5.75%▲ 13 bps | 5.63% | 5.50% | 5.63% | 5.63% | 5.38% | 5.38% | 5.00% |
| 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 | 2026-09-14 Current | 2026-09-07 7 Days Ago | 2026-08-30 15 Days Ago | 2026-08-15 30 Days Ago | 2026-07-31 45 Days Ago | 2026-07-16 60 Days Ago | 2026-06-16 90 Days Ago | 2026-03-18 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| COAST CENTRAL CREDIT UNIONLOWEST | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 6.50% | 4.50% |
| EECU CREDIT UNIONLOWEST | 4.50% | N/A | 4.50% | N/A | 4.50% | 4.50% | N/A | 4.50% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 6.00% |
| SILVER STATE SCHOOLS CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% |
| 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% | 6.13% | 5.88% | 5.88% | 5.88% | 5.63% |
| HOUSTON FEDERAL CREDIT UNION | 6.13% | 6.13% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.75% |
| HAWAII STATE FEDERAL CREDIT UNION | 6.38% | 6.38% | 6.25% | 6.25% | 6.25% | 6.00% | 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 14, 2026, the 15 Year Fixed, First Mortgage purchase rate remains steady at 5.625% with 0.5 points, showing no change from both one week and one month ago. This stability in yield spreads indicates a consistent cost of borrowing for members seeking shorter-term fixed-rate home loans. For first-time buyers or those prioritizing predictable payments, maintaining this rate level supports clear budgeting without unexpected increases. While refinancing options are not reflected today, members should continue to evaluate fixed-rate loans if they value payment certainty amid fluctuating market conditions. Consider your mortgage strategy carefully; stable rates like this may offer advantages in long-term financial planning. For details, visit https://www.alabamacu.com/lending/home-loans/mortgage-rates.
COAST CENTRAL CREDIT UNION
As of September 14, 2026, the 30-year Fixed-Rate Purchase mortgage remains steady at 4.5%, with no change over the past week or month. This stability reflects consistent yield spreads and a steady cost of borrowing for homebuyers. For first-time buyers, this rate provides predictable monthly payments without exposure to interest rate fluctuations. Veterans and those considering refinancing should note that fixed-rate options at this level offer long-term payment certainty amid market volatility. Given the unchanged rates, members may find it prudent to evaluate their mortgage strategy, particularly if they prioritize stability in budgeting. Those with adjustable-rate considerations might review alternatives as fixed rates hold firm. Consider refinancing if potential savings exceed associated costs based on current market conditions. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EECU CREDIT UNION
As of September 14, 2026, the 15 Year Fixed Conforming Purchase mortgage rate stands at a notably low 4.0%, representing a significant decline of 234 basis points from one week ago and 221.5 basis points compared to 30 days prior. This reduction in yield spreads lowers the overall cost of borrowing for members seeking short-term fixed-rate stability. First-time homebuyers benefit from this favorable rate environment by securing predictable payments over a 15-year term, while those considering refinancing may find enhanced opportunities to reduce interest expenses. Given the marked downward trend, members should evaluate their mortgage strategies carefully; locking in a fixed rate could mitigate future market volatility. Consider refinancing if potential savings exceed associated costs to optimize long-term financial outcomes. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of September 14, 2026, mortgage rates for purchase loans at First Financial of Maryland remain stable across key fixed-rate products. The 15-Year Fixed loan holds steady at 5.00%, unchanged from both one week and one month ago, representing the lowest rate among today’s offerings. Similarly, the 30-Year Fixed purchase rate is steady at 6.125%, with no change over the past seven or thirty days.For members prioritizing lower long-term borrowing costs, the 15-Year Fixed option continues to offer a more favorable yield spread, which may be advantageous for buyers seeking faster equity buildup. Meanwhile, those valuing extended payment terms should consider the current stability in the 30-Year Fixed rates when evaluating affordability.Given the absence of recent volatility, members are advised to assess their mortgage strategy carefully; locking in a fixed rate may provide predictability amid future market fluctuations. Consider refinancing only if potential savings clearly outweigh associated fees and closing costs.For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
On September 14, 2026, HAWAII STATE credit union reports stable mortgage rates for purchase loans. The 15-Year Fixed Purchase rate increased by 12.5 basis points to 5.75%, reflecting a modest rise in borrowing costs over the past week and month. This uptick may impact buyers seeking shorter-term stability with fixed payments. Meanwhile, the 30-Year Fixed Purchase rate remains steady at 6.375%, unchanged over seven days but up 12.5 basis points compared to 30 days ago, maintaining its position as the higher-yielding option.First-time homebuyers and those prioritizing payment predictability might consider the 15-Year Fixed despite the slight increase, while borrowers focused on lower monthly payments may evaluate the unchanged 30-Year Fixed rates. Given these trends, members should assess their mortgage horizon carefully; considering fixed-rate options is advisable if long-term stability is a priority, and refinancing should be evaluated when potential savings surpass associated costs.For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HOUSTON FEDERAL CREDIT UNION
As of September 14, 2026, Houston credit union reports stable mortgage rates for purchase loans with fixed terms. The 15-year fixed purchase rate remains steady at 5.5%, unchanged from one week ago but up 37.5 basis points over the past 30 days. This level impacts borrowers prioritizing faster principal repayment and may increase monthly payments relative to last month. Meanwhile, the 30-year fixed purchase rate holds at 6.125%, showing no change in the past seven days but an uptick of 25 basis points over the last month. Longer-term borrowers should note this increase in cost of borrowing, influencing affordability and long-term yield spreads.Members seeking predictability might consider fixed-rate options given current trends. Evaluating refinancing opportunities remains advisable if potential savings exceed associated costs.For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of September 14, 2026, mortgage rates for Knoxville TVA Employees Credit Union members remain stable across primary fixed-rate products. The 15-Year Fixed-Rate Mortgage holds steady at 5.25%, maintaining its position as the lowest rate available today with no change over the past week or month. Similarly, the 30-Year Fixed-Rate Mortgage remains unchanged at 5.50%, reflecting consistent yield spreads and borrowing costs.For homebuyers prioritizing shorter loan terms, the 15-year fixed option offers a lower interest cost, potentially reducing total interest paid over time. Those seeking longer-term stability will find the 30-year fixed rate unchanged, allowing for predictable monthly payments without recent rate volatility.Members should evaluate their mortgage strategy in light of these steady rates; consider locking in fixed rates if you value payment consistency or review refinancing options only if projected savings exceed associated costs.For details, visit https://www.tvacreditunion.com/borrow/loans/home-loans.html.
MCCOY FEDERAL CREDIT UNION
On September 14, 2026, MCCOY reports stable mortgage rates across key fixed-rate purchase programs. The 15-year fixed purchase rate remains at 5.5%, unchanged from both one week and one month ago, representing the lowest yield among today’s offerings. Similarly, the 30-year fixed purchase rate holds steady at 6.0% with no movement in the past seven or thirty days. This stability implies consistent borrowing costs for members considering home purchases. For buyers prioritizing predictability and lower interest expense over the loan term, the 15-year fixed option offers favorable yield spreads. Meanwhile, longer-term borrowers retain steady cost projections with the 30-year fixed product. Members should evaluate their mortgage strategy carefully; those valuing payment stability may consider locking in current fixed rates, while others might monitor market shifts before refinancing decisions. For details, visit https://www.mccoyfcu.org/rates/mortgages.html.
SECURITY SERVICE FEDERAL CREDIT UNION
As of September 14, 2026, 15-Year Fixed Purchase and 30-Year Fixed Purchase mortgage rates remain stable at 6.375% and 6.875%, respectively. Both products show no change over the past week or month, indicating steady yield spreads and consistent borrowing costs for members. The 15-Year Fixed option offers the lowest rate, which may benefit buyers prioritizing faster equity buildup and lower interest expenses. Stability in these fixed rates supports predictable payment planning for first-time buyers and those seeking long-term security. Members evaluating financing strategies should consider locking fixed-rate mortgages to mitigate future market volatility. Assess your mortgage horizon carefully; refinancing may be worthwhile if potential savings outweigh associated fees.For details, visit https://www.ssfcu.org/rates/home-loan-rates.
SILVER STATE SCHOOLS CREDIT UNION
As of September 14, 2026, fixed-rate mortgage products at Silver State Schools remain steady. The 15-Year Fixed Purchase loan holds at a competitive 5.25%, unchanged over the past 7 and 30 days, representing the lowest rate available today. Meanwhile, the 30-Year Fixed Purchase rate remains stable at 5.75%, with no recent fluctuations. These stable yields indicate no additional cost pressure for borrowers seeking predictable payment schedules. First-time buyers or those prioritizing budget certainty may find the 15-Year Fixed option advantageous due to its lower yield spread and shorter amortization period. Given these consistent rates, members should evaluate their mortgage strategy carefully; consider fixed-rate options if you value stability or assess refinancing opportunities when potential savings outweigh transaction 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 14, 2026, mortgage rates have generally increased, with the 15-Year Fixed Rate Jumbo rising to 6.875%, up by 0.42 basis points from yesterday and 0.64 basis points over the past month. Similarly, the 30-Year Fixed Rate Jumbo stands at 6.847%, a slight increase of 0.04 basis points in just one day. The overall trend indicates higher costs for borrowers, particularly for those considering shorter loan terms, where the larger increases have occurred. Borrowers should evaluate these rising rates when planning their mortgage options, as they impact long-term affordability and financial strategy.
Federal Reserve Economic Trends
Current inflation expectations, reflected in the Breakeven Inflation Rates, indicate stability, with the 10-Year rate at 2.360% and the 5-Year at 2.400%. However, recent trends show significant fluctuations in mortgage rates, particularly a notable drop in the 30-Year Average Rates, which fell by 6.76 points today, now at 6.760%, the highest among all tracked rates. Over the past 30 days, this rate has decreased by 6.67 points, highlighting increased borrowing costs for consumers. Conversely, the 30-Year FHA Average Rate has increased slightly by 0.11 points over the last day, currently standing at 6.734%. Borrowers should monitor these shifts to navigate their financing options effectively and consider locking in favorable rates when possible.
LendMesh
The path to homeownership can look different for everyone—maybe you’re taking things slow or perhaps you’re ready to make a move this season. At LendMesh, we see it all: teachers, business owners, families with big dreams, and retirees searching for something smaller. What unites them? The need for clear, unbiased advice. Our advisors connect you with a blend of community-focused credit unions and reputable banks, all on a platform built for real life, not just sales pitches. From understanding rate changes to budgeting for closing costs, our resources make your next steps easier. Discover how we can help by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story is unique, and your mortgage should be too.
Conclusion
Looking ahead, small changes in rates can add up quickly over the life of your loan. Even a quarter-point shift on a 30-year fixed mortgage can mean hundreds more or less in monthly payments and thousands in total interest. With today’s lowest rate at 4.00% for a 15-year fixed loan from Eecu standing out as a smart option, buyers who can afford slightly higher payments might save big over time by choosing shorter terms. For others, watching how inflation trends gently tick up reminds us to weigh timing carefully when refinancing or purchasing. Taking the time now to compare products like FHA, Jumbo, or VA loans and matching them to your financial goals will help you secure a rate that suits your budget without surprises down the road.