Introduction
On September 15, 2026, mortgage rates are showing steady patterns with some pockets of movement worth watching. If you’re eyeing a new home or refinancing your current one, knowing where the best deals lie can save you thousands. Today, the lowest purchase rate comes from Potlatch No 1 Financial, offering a 5.375% 15-year fixed loan without points, an attractive option for disciplined buyers seeking shorter terms. Meanwhile, Zillow’s jumbo rates ticked higher this week, with the 30-year fixed jumbo rate rising to 6.909%, reflecting broader market shifts. Inflation expectations remain calm at around 2.4%, hinting that long-term borrowing costs might hold steady for now. Here’s what you need to know before locking in a rate to make your next move count.
At a glance
New Purchase - VA 15 yrs Fixed
| Lender | 2026-09-15 Current | 2026-09-08 7 Days Ago | 2026-08-31 15 Days Ago | 2026-08-16 30 Days Ago | 2026-08-01 45 Days Ago | 2026-07-17 60 Days Ago | 2026-06-17 90 Days Ago | 2026-03-19 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 5.38% | 5.38% | 5.25% | 5.25% | 5.38% | 5.25% | 5.13% | 4.88% |
| CREDIT UNION 1 CREDIT UNION | 5.50% | 5.50% | N/A | 5.50% | 5.25% | 5.25% | 5.13% | 5.13% |
| NAVY FEDERAL CREDIT UNION | 5.75%▲ 25 bps | 5.50% | 5.50% | 5.38% | 5.50% | 5.38% | 5.25% | 5.13% |
| SPACE COAST CREDIT UNION | 5.88% | 5.88% | 5.75% | 5.75% | 5.75% | 5.63% | 5.38% | 5.38% |
| ENT CREDIT UNION | 6.00%▲ 38 bps | 5.63% | 5.50% | 5.63% | 5.63% | 5.38% | 5.38% | 5.00% |
| HANSCOM FEDERAL CREDIT UNION | 6.25%▲ 25 bps | 6.00% | 5.88% | 5.75% | 5.88% | 5.75% | 5.88% | 5.50% |
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 | 2026-09-15 Current | 2026-09-08 7 Days Ago | 2026-08-31 15 Days Ago | 2026-08-16 30 Days Ago | 2026-08-01 45 Days Ago | 2026-07-17 60 Days Ago | 2026-06-17 90 Days Ago | 2026-03-19 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| U.S. EAGLE FEDERAL CREDIT UNIONLOWEST | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% |
| CREDIT UNION 1 CREDIT UNION | 5.88% | 5.88% | N/A | 5.88% | 5.63% | 5.63% | 5.63% | 5.63% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 5.99% | 5.99% | 5.88% | 5.88% | 5.88% | 5.75% | 5.63% | 5.38% |
| COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.00% | 6.00% | 6.00% | 5.75% | 5.63% |
| PENTAGON FEDERAL CREDIT UNION | 6.13%▲ 38 bps | 5.75% | 5.75% | 5.75% | 5.75% | 5.63% | 5.63% | 5.25% |
| SELCO COMMUNITY CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% |
| NAVY FEDERAL CREDIT UNION | 6.25%▼ 75 bps | 7.00% | 7.00% | 6.88% | 7.00% | 5.75% | 5.63% | 6.50% |
| ENT CREDIT UNION | 6.50%▲ 38 bps | 6.13% | 6.00% | 6.13% | 6.13% | 5.88% | 5.88% | 5.63% |
| SPACE COAST CREDIT UNION | 6.63% | 6.63% | 6.50% | 6.50% | 6.50% | 6.38% | 6.13% | 6.13% |
| HANSCOM FEDERAL CREDIT UNION | 6.88%▲ 25 bps | 6.63% | 6.50% | 6.38% | 6.50% | 6.38% | 6.25% | 6.13% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNION
As of September 15, 2026, the 30 Year Fixed Purchase mortgage rate at Community Credit Union of Florida remains steady at 6.125%, unchanged from one week ago but increased by 12.5 basis points compared to 30 days prior. This slight uptick reflects broader market yield movements, signaling a modest rise in the cost of borrowing for homebuyers. For first-time purchasers or those seeking loan stability, locking in this fixed-rate product maintains predictability in monthly payments despite recent yield spread shifts. Members evaluating their mortgage strategy should assess if fixed-rate options align with their long-term plans amid evolving rate conditions. Consider reviewing refinancing potential if your current rate substantially exceeds today’s levels to optimize financing costs. For details, visit https://www.ccuflorida.org/home/rates/mortgage.
CREDIT UNION 1 CREDIT UNION
As of September 15, 2026, 15-year VA Loans for purchase remain at 5.50%, holding steady with no change in yield over the past week or month. Similarly, 30-year VA Loans maintain a rate of 5.875%, unchanged from seven and thirty days ago. These stable rates reflect consistent borrowing costs for veterans seeking fixed-rate financing options.For veterans prioritizing lower monthly payments, the 30-year VA Loan offers predictable long-term budgeting with its fixed rate. Conversely, the 15-year VA Loan, presenting the lowest rate in today’s update, benefits those aiming to reduce interest expense through accelerated payoff. The absence of recent rate fluctuations suggests limited immediate advantage in refinancing but reinforces evaluating mortgage strategy relative to individual financial goals.Members should consider fixed-rate options if stability is essential or explore refinancing only when potential savings exceed associated costs. For details, visit https://www.cu1.org/rates#real-estate-rates.
ENT CREDIT UNION
On September 15, 2026, VA 15-Year Fixed Purchase loans are priced at 6.0%, marking a notable rise of 37.5 basis points compared to last week and the past 30 days. Similarly, VA 30-Year Fixed Purchase rates have increased by the same margin to 6.5% over these periods. This upward movement in yield spreads elevates the cost of borrowing for veterans seeking purchase financing through VA programs. For members prioritizing payment stability, the fixed-rate structure still offers predictable monthly obligations despite higher rates. Veterans and first-time buyers should carefully assess their mortgage strategy amid rising rates, while those considering refinancing might evaluate if potential savings outweigh additional costs given current market trends. Consider fixed-rate options if you value long-term certainty in your financial planning. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
HANSCOM FEDERAL CREDIT UNION
As of September 15, 2026, mortgage rates for VA fixed-rate purchase loans have risen notably. The 15-year VA fixed purchase rate stands at 6.25%, up 25 basis points from last week and 50 basis points higher than 30 days ago. Similarly, the 30-year VA fixed purchase rate is now 6.875%, reflecting a parallel increase of 25 basis points over seven days and 50 basis points over 30 days.These upward movements indicate a tightening in yield spreads, increasing the overall cost of borrowing for veterans seeking long-term home financing. For first-time buyers and those targeting stability, the lower rates on the 15-year VA fixed loan at 6.25% may offer a more cost-effective solution despite recent rises. Members should evaluate their mortgage strategy carefully; consider fixed-rate options if prioritizing predictability or assess refinancing if current rates exceed potential savings.For details, visit https://www.hfcu.org/rates/mortgage-rates.html.
NAVY FEDERAL CREDIT UNION
As of September 15, 2026, VA 15 Year Fixed Purchase loans are priced at a rate of 5.75%, marking a rise of 25 basis points compared to one week ago and an increase of 37.5 basis points from 30 days prior. This upward movement signals a higher cost of borrowing for borrowers seeking shorter-term VA loans. Conversely, the VA 30 Year Fixed Purchase rate has decreased significantly to 6.25%, down by 75 basis points over the past week and 62.5 basis points since last month, offering improved yield spreads for those prioritizing longer amortization periods.For veterans and first-time buyers, the lower long-term VA rate may present more favorable financing conditions despite the slight increase in the 15-year option. Members should consider their mortgage horizon carefully; fixed-rate products continue to provide predictable payments amid shifting rates. Evaluating refinancing opportunities or locking in current rates could optimize long-term costs.For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
PENTAGON FEDERAL CREDIT UNION
On September 15, 2026, the 30-year Fixed VA Loan for Purchase registered a rate of 6.125%, marking a rise of 37.5 basis points compared to one week ago and the past 30 days. This upward movement increases the cost of borrowing for veterans seeking homeownership, potentially impacting monthly payments and long-term affordability. For veterans considering new purchases, this suggests a higher yield spread relative to previous months, warranting a careful evaluation of loan terms and budgeting strategies. Given this trend, members valuing payment stability might weigh fixed-rate options despite rising rates. Additionally, those with existing mortgages should assess if refinancing remains beneficial amid these rate increases; potential savings must outweigh associated refinancing costs to justify action. Consider your mortgage strategy in light of these rate dynamics. 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 15, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 5.375%, holding flat compared to last week but up 12.5 basis points from 30 days ago. This rate represents the lowest cost borrowing option among today’s products, favoring buyers seeking shorter-term fixed payments and reduced overall interest expense. Meanwhile, the 30-Year Fixed Purchase rate is unchanged at 5.99% over the past week but has risen by approximately 11.5 basis points since one month prior, impacting affordability for long-term financing.Members considering new home purchases should weigh these yield spreads carefully; stability in short-term fixed rates may appeal to those prioritizing predictability, while longer terms reflect moderate upward pressure on borrowing costs. Evaluating mortgage strategy with current trends in mind is advisable, particularly for those balancing monthly payment capacity against total interest paid.For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SELCO COMMUNITY CREDIT UNION
As of September 15, 2026, the 30 Year VA Manufactured Home Purchase loan rate remains steady at a competitive 6.125%, showing no change over the past 7 and 30 days. This stability in yield spreads indicates consistent borrowing costs for veterans seeking to finance manufactured homes not located on rented land. For eligible buyers, this fixed-rate option provides predictable monthly payments without fluctuations in interest expense. Given the unchanged rate environment, veterans considering home purchases can assess their long-term affordability with confidence. Members valuing payment stability should weigh fixed-rate VA loans against market alternatives. Evaluating your mortgage strategy with current rates may reveal opportunities to lock in financing terms aligned with your financial goals. For details, visit https://www.selco.org/loans/home-loans/purchase-a-home/.
SPACE COAST CREDIT UNION
On September 15, 2026, SPACE COAST members looking at Fixed Purchase Mortgages will see rates steady compared to last week. The 15-year fixed purchase rate remains at 5.875%, holding its yield with no change over 7 days but up by 12.5 basis points versus 30 days ago. Similarly, the 30-year fixed purchase rate is stable at 6.625%, unchanged week-over-week yet also increased by 12.5 basis points over the past month.For first-time buyers and those prioritizing payment stability, the 15-year fixed loan offers the lowest rate at 5.875%, which can reduce overall interest expense despite higher monthly payments relative to longer terms. Longer-term borrowers may find the 30-year fixed option suitable for manageable monthly costs but should note the modest rise in borrowing cost this month.Members should evaluate mortgage strategies carefully; consider locking in current rates if planning a purchase soon or assess refinancing only if potential savings exceed transaction costs amid recent rate increases. For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 15, 2026, the 30-Year Fixed Purchase mortgage rate remains steady at 5.625%, unchanged from both one week and one month ago. This stability in rates means the cost of borrowing for homebuyers has not shifted recently, providing a consistent environment for those planning new purchases. First-time buyers can expect predictable monthly payments, while current homeowners evaluating refinancing options should note that no immediate rate-driven savings are apparent. Given this unchanged yield spread, members prioritizing payment certainty may find fixed-rate loans advantageous. It is prudent to monitor rates regularly and consider refinancing only if projected savings outweigh associated costs. For details, visit https://www.useagle.org/rates/home-mortgage-rates.
Zillow National Average
Mortgage rates have experienced a slight uptick today, with the 15-Year Fixed Rate Jumbo at 6.784%, up 4 basis points from yesterday, while the 30-Year Fixed Rate Jumbo decreased slightly to 6.909%, down 1 basis point. Over the past week, the 15-Year Fixed Rate Jumbo has risen by 49 basis points, reflecting a more pronounced upward trend compared to the 30-Year Fixed Rate Jumbo, which has increased by 38 basis points in the same timeframe. Borrowers should note that these fluctuations can impact the overall cost of borrowing and should consider locking in rates if they align with their financial plans.
Federal Reserve Economic Trends
Current inflation expectations, as indicated by the Breakeven Inflation Rates, show stability at 2.370% for 10 years and 2.400% for 5 years. These figures reflect a cautious outlook on future inflation, which influences mortgage rates and borrowing costs. Notably, the Mortgage 30Yr Average Rates decreased by 6.67 points over the past month, reaching a significant low of 0.000%, indicating favorable conditions for potential borrowers. Conversely, the Mortgage 30Yr Jumbo Average Rates saw an increase of 0.24 points in the last week. Borrowers should consider these trends when assessing financing options, as lower mortgage rates can enhance affordability while stable inflation expectations may indicate a balanced economic environment.
LendMesh
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Conclusion
As you consider locking in a mortgage, keep in mind that even small changes in rates can ripple through your budget over time. A difference of just a quarter point on a 30-year fixed loan could mean hundreds more or less per month and tens of thousands in total interest paid. The current landscape offers solid options like the 5.375% 15-year fixed at Potlatch No 1 Financial, which could shorten your payoff timeline and reduce interest costs significantly if you qualify. Meanwhile, rising jumbo rates suggest it’s wise to act sooner rather than later if you need larger loans. Balancing your comfort with monthly payments and long-term savings will guide you well, stay informed and choose wisely to build equity on your terms.