Introduction
On September 17, 2026, mortgage rates are showing some upward movement across the board, but there’s still room for smart homebuyers to find competitive deals. If you’re eyeing a purchase or refinancing your home, today’s data from Credit Unions, Zillow, and the Federal Reserve offers valuable insights. For instance, Certified Credit Union leads with the lowest 15-year fixed rate at 5.5% on purchase loans, while United 67587 holds steady at 6.0% for a jumbo 30-year fixed mortgage, a solid option for higher loan amounts. Inflation expectations are easing slightly, which could help keep borrowing costs in check over time. Here’s what you need to know before locking in a rate to make sure your next move fits your financial goals.
At a glance
New Purchase - Jumbo 15 yrs Fixed
| Lender | 2026-09-17 Current | 2026-09-10 7 Days Ago | 2026-09-02 15 Days Ago | 2026-08-18 30 Days Ago | 2026-08-03 45 Days Ago | 2026-07-19 60 Days Ago | 2026-06-19 90 Days Ago | 2026-03-21 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CERTIFIED FEDERAL CREDIT UNIONLOWEST | 5.50%▲ 38 bps | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% |
| CONSUMERS CREDIT UNIONLOWEST | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% |
| FAIRWINDS CREDIT UNIONLOWEST | 5.50%▲ 25 bps | 5.25% | 5.13% | N/A | N/A | N/A | 5.00% | N/A |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNIONLOWEST | 5.50% | 5.50% | 5.43% | 5.45% | 5.37% | 5.28% | 5.27% | 4.83% |
| CALIFORNIA COAST CREDIT UNION | 6.63%▲ 13 bps | 6.50% | 6.38% | 6.13% | 6.13% | 6.13% | 5.88% | 5.75% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.75%▲ 38 bps | 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 - Jumbo 30 yrs Fixed
| Lender | 2026-09-17 Current | 2026-09-10 7 Days Ago | 2026-09-02 15 Days Ago | 2026-08-18 30 Days Ago | 2026-08-03 45 Days Ago | 2026-07-19 60 Days Ago | 2026-06-19 90 Days Ago | 2026-03-21 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.88% |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNION | 6.03% | 6.03% | 5.97% | 5.93% | 5.89% | 5.78% | 5.76% | 5.27% |
| CERTIFIED FEDERAL CREDIT UNION | 6.25%▲ 38 bps | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| FAIRWINDS CREDIT UNION | 6.50%▲ 25 bps | 6.25% | 6.13% | N/A | N/A | N/A | 5.75% | N/A |
| CONSUMERS CREDIT UNION | 7.13%▲ 13 bps | 7.00% | 7.00% | 6.88% | 6.88% | 6.75% | 6.75% | 6.25% |
| CALIFORNIA COAST CREDIT UNION | 7.25%▲ 13 bps | 7.13% | 6.88% | 6.75% | 6.88% | 6.75% | 6.50% | 6.25% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 7.25%▲ 38 bps | 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.
CALIFORNIA COAST CREDIT UNION
As of September 17, 2026, 15-year Jumbo Fixed Purchase loans are priced at a rate of 6.625% with 0.125 points, marking an increase of 12.5 basis points over the past week and 50 basis points over the last 30 days. Meanwhile, the 30-year Jumbo Fixed Purchase rate stands at 7.25% with zero points, also up by 12.5 basis points week-over-week and 50 basis points month-over-month.These rising yields indicate higher borrowing costs for jumbo loan borrowers, impacting affordability for high-value property buyers. Members considering long-term financing should assess whether locking in current rates aligns with their financial goals, especially given the steady upward trend in yield spreads. For those prioritizing payment stability amid these increases, fixed-rate options remain a prudent choice. Evaluating refinancing opportunities is advisable if potential savings outweigh associated fees.For details, visit https://www.calcoastcu.org/mortgage-rates/.
CERTIFIED FEDERAL CREDIT UNION
On September 17, 2026, mortgage rates for purchase loans experienced a notable increase. The 15-Year Fixed rate rose by 37.5 basis points, reaching 5.5%, while the 30-Year Fixed climbed by the same margin to 6.25%. These are the lowest rates available today but represent the highest level seen in the past 90 days. For borrowers, this uptick increases the cost of borrowing, particularly impacting first-time homebuyers and those prioritizing lower monthly payments with longer terms. Veterans and refinancing applicants should carefully assess how rising fixed-rate yields affect long-term affordability. Given these movements, members valuing payment stability may want to consider locking in current fixed rates; those weighing refinancing should evaluate if projected savings exceed associated costs amid rising spreads. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
CONSUMERS CREDIT UNION
As of September 17, 2026, Jumbo 15 Year Fixed Purchase loans maintain a stable rate at 5.5%, representing the lowest rate among today's jumbo purchase options with no change over the past week or month. Conversely, the Jumbo 30 Year Fixed Purchase loan rate increased by 12.5 basis points over the last seven days to 7.125%, and by 25 basis points compared to 30 days ago, reflecting a notable rise in the cost of borrowing for longer-term jumbo mortgages.For members seeking shorter-term financing stability, the unchanged 15-year jumbo fixed rate at 5.5% may offer predictable payments and yield spread advantages versus longer terms. Borrowers considering a 30-year jumbo mortgage should evaluate whether recent rate increases impact their long-term affordability or refinancing strategy.Given these dynamics, members are advised to assess their mortgage plans carefully; those valuing payment consistency might prioritize fixed-rate products with minimal recent volatility, while others should consider refinancing if potential savings exceed associated costs.For details, visit https://www.myconsumers.org/loans/home-loans/home-purchase-refinance.
FAIRWINDS CREDIT UNION
On September 17, 2026, FAIRWINDS reports an increase in mortgage rates for both 15 Year Jumbo Mortgage and 30 Year Jumbo Mortgage purchase loans. The 15 Year Jumbo Fixed rate rose by 25 basis points to 5.50%, marking the lowest rate available today. Similarly, the 30 Year Jumbo Fixed rate increased by 25 basis points to 6.50%. These upward shifts indicate a higher cost of borrowing compared to one week ago, reflecting tighter yield spreads in jumbo loan markets.For members seeking jumbo loan financing, especially first-time buyers or those prioritizing shorter-term commitments, this rate movement suggests evaluating fixed-rate options carefully to balance payment stability against market trends. Given these changes, borrowers should consider their long-term mortgage strategy and assess refinancing possibilities if current rates better align with financial goals.For details, visit https://www.fairwinds.org/rates#:~:text=Apply%20Now-,Mortgages,-Fixed%20Rate.
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
As of September 17, 2026, mortgage rates for PUBLIX EMPLOYEES remain steady compared to last week. The 15-year fixed purchase rate holds at 5.5%, maintaining the lowest yield among available products. Meanwhile, the 30-year fixed purchase rate remains unchanged at 6.03%, reflecting a 10 basis point increase over the past 30 days. These stable rates suggest a consistent cost of borrowing for buyers prioritizing long-term security or shorter loan terms.For members evaluating home purchase options, the 15-year fixed loan offers a lower interest rate, which can reduce total interest paid despite higher monthly payments. Conversely, those seeking longer amortization might consider the 30-year fixed to ease monthly cash flow, acknowledging slightly higher yield spreads.Given current trends, members should carefully assess their mortgage strategy; consider fixed-rate options if you value predictability, and evaluate refinancing if potential savings exceed associated costs. 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 17, 2026, 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase rates have increased by 37.5 basis points compared to one week ago, rising to 6.75% and 7.25%, respectively. These upticks reflect tighter yield spreads and a higher cost of borrowing over the past month, as both jumbo products also show a +0.375% increase from 30 days prior. The 15-Year Fixed Jumbo at 6.75% remains the lower rate option, offering members seeking shorter-term financing reduced interest expenses relative to the 30-year term. For potential homebuyers or those managing jumbo loan portfolios, these rate adjustments suggest evaluating fixed-rate options carefully; locking in current rates may provide stability amid recent volatility. Members should consider refinancing only if projected savings outweigh associated costs given the recent upward trend.For details, visit https://www.ssfcu.org/rates/home-loan-rates.
UNITED CREDIT UNION
As of September 17, 2026, the Jumbo 30-Year Fixed Purchase mortgage rate remains steady at 6.00%, showing no change over the past 7 or 30 days. This stability in rates means the cost of borrowing for jumbo loans has not fluctuated recently, maintaining consistent yield spreads. For borrowers seeking larger loan amounts, such as high-net-worth individuals or those purchasing premium properties, this rate consistency supports predictable long-term payment planning.First-time buyers and veterans currently have no changes reflected in this jumbo fixed product, emphasizing the importance of evaluating other available mortgage programs if lower rates are a priority. Members should consider fixed-rate options like this one if they prioritize rate stability and want to avoid potential increases associated with adjustable-rate mortgages.Given the unchanged rates, members might focus on assessing their mortgage strategy and considering refinancing only if potential savings outweigh refinancing costs. For details, visit https://www.unitedfcu.com/rates-and-fees/rates/mortgage-rates.
Zillow National Average
As of September 17, 2026, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo decreased to 6.665%, down by 0.16 basis points from yesterday and up 0.28 basis points over the past week, indicating fluctuating borrowing costs for those seeking shorter-term loans. In contrast, the 30-Year Fixed Rate Jumbo slightly increased to 6.961%, reflecting a minimal rise of 0.02 basis points in one day and an increase of 0.22 basis points over the last week. Borrowers should consider these movements when evaluating their options, as they highlight potential shifts in the cost of borrowing over different timeframes.
Federal Reserve Economic Trends
Current breakeven inflation rates reflect modest expectations, with the 10-year rate at 2.330 and the 5-year rate at 2.350. The recent fluctuations in mortgage rates indicate a complex borrowing landscape; notably, the 30-year average rates experienced a significant decline of 6.76 points over the past week, while the 15-year average rates rose to 6.260. Additionally, the 30-year VA average rates increased by 0.33 points in the last 30 days, suggesting some upward pressure on borrowing costs. For borrowers, understanding these trends is crucial, as today’s lowest mortgage rate stands at 6.260, highlighting opportunities amidst shifting economic conditions.
LendMesh
At LendMesh, we know that the best mortgage is the one that fits your life, not just your budget. Maybe you’re ready to upgrade for more space, or perhaps you’re downsizing to something simpler. Our platform brings together trusted names from the banking and credit union world, letting you compare rates, terms, and even lender philosophies. We see ourselves as your financial partner—here to guide, explain, and empower. If you’re looking for a new way to shop for home loans, or you just want to check if your current deal is the best one out there, our Mortgage Loans page is a great place to start: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your goals are always at the heart of our advice.
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Conclusion
As rates inch higher by about a quarter percentage point in some cases, it’s important to remember that even small shifts can add up over the life of your loan. A 0.25% increase on a 30-year fixed mortgage can mean paying hundreds more each month or tens of thousands extra in interest. If you’re considering buying or refinancing soon, focus on locking in a competitive fixed rate like those offered by Certified or United credit unions before further increases hit. Keep an eye on inflation trends too; while they’re currently dipping slightly, any changes can ripple through mortgage costs. Taking action now with clear information can provide peace of mind and savings down the road.