Introduction
On September 21, 2026, mortgage rates show a mixed but promising landscape for homebuyers and investors. While some credit unions hold steady, others like Hawaii State report slight increases in their 15-year fixed and 30-year fixed purchase rates, now at 6.125% and 6.75%, respectively. Meanwhile, Zillow data reveals the lowest current rate for a 15-year fixed jumbo loan at 4.0% from Eecu, offering an appealing option for qualified buyers. Inflation expectations have dipped slightly according to the Federal Reserve’s breakeven inflation rates, hinting at steadier borrowing costs ahead. Here’s what you need to know before locking in a rate, understanding these nuances can make a real difference in your monthly payments and long-term savings.
At a glance
New Purchase - Conventional 15 yrs Fixed
| Lender | 2026-09-21 Current | 2026-09-14 7 Days Ago | 2026-09-06 15 Days Ago | 2026-08-22 30 Days Ago | 2026-08-07 45 Days Ago | 2026-07-23 60 Days Ago | 2026-06-23 90 Days Ago | 2026-03-25 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| EECU CREDIT UNIONLOWEST | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 6.09% | 4.00% |
| COAST CENTRAL CREDIT UNION | 4.75% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 5.00% | 5.00% | 5.00% | 5.00% | 4.75% | 4.75% | 4.75% | 6.00% |
| FAMILY TRUST FEDERAL CREDIT UNION | 5.25% | 5.25% | 5.25% | 5.00% | 5.00% | 4.63% | 4.63% | 5.04% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.63% |
| HOUSTON FEDERAL CREDIT UNION | 5.50% | 5.50% | 5.50% | 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% |
| SAFE 1 CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.25% |
| ALABAMA CREDIT UNION | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.63% | 5.50% |
| HAWAII STATE FEDERAL CREDIT UNION | 6.13%▲ 38 bps | 5.75% | 5.63% | 5.50% | 5.63% | 5.50% | 5.38% | 5.25% |
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 | 2026-09-21 Current | 2026-09-14 7 Days Ago | 2026-09-06 15 Days Ago | 2026-08-22 30 Days Ago | 2026-08-07 45 Days Ago | 2026-07-23 60 Days Ago | 2026-06-23 90 Days Ago | 2026-03-25 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| EECU CREDIT UNIONLOWEST | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | N/A | 4.50% |
| COAST CENTRAL CREDIT UNION | 5.50%▲ 100 bps | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 6.25% |
| MCCOY FEDERAL CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% |
| SAFE 1 CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 5.75% |
| FAMILY TRUST FEDERAL CREDIT UNION | 6.13% | 6.13% | 6.13% | 5.88% | 5.88% | 5.50% | 5.50% | 5.85% |
| 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% | 6.13% | 5.88% | 5.88% | 5.88% | 5.88% | 5.75% |
| HAWAII STATE FEDERAL CREDIT UNION | 6.75%▲ 38 bps | 6.38% | 6.38% | 6.25% | 6.25% | 6.13% | 6.00% | 5.88% |
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 21, 2026, the 15 Year Fixed, First Mortgage for home purchase in Alabama remains steady at 5.625% with 0.5 points, unchanged from both one week and one month ago. This stability in mortgage rates means that the cost of borrowing has not shifted recently, preserving predictable monthly payments for borrowers seeking fixed-rate security. For first-time buyers, this consistency supports clearer financial planning without unexpected rate fluctuations. Homeowners considering refinancing should evaluate current terms against their existing loans to determine if switching remains advantageous given the flat yield spread. Those prioritizing rate certainty may find fixed-rate options suitable in this environment. Consider your mortgage strategy carefully; when potential savings surpass refinancing costs, adjusting your loan may improve long-term financial outcomes. For details, visit https://www.alabamacu.com/lending/home-loans/mortgage-rates.
COAST CENTRAL CREDIT UNION
As of September 21, 2026, the 30-Year Fixed Purchase mortgage rate at Coast Central has increased by 100 basis points, rising to 5.50% from 4.50% a week and a month ago. This significant uptick in yield spreads directly impacts the cost of borrowing for homebuyers, particularly first-time purchasers who rely on fixed-rate stability for long-term planning. Higher rates may also affect affordability and monthly payments, making it critical to reassess financing strategies.Members considering home purchases should evaluate fixed-rate options carefully due to this recent volatility. Although refinancing products are not listed today, those with existing loans might want to monitor trends closely and consider refinancing only if potential savings outweigh associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EECU CREDIT UNION
As of September 21, 2026, 15-Year Fixed Conforming Purchase loans maintain a stable rate at 4.00%, unchanged over the past 7 and 30 days. Similarly, the 30-Year Fixed Conforming Purchase rate remains steady at 4.50%, with no movement in the last week or month. This stability in yields implies consistent borrowing costs for members considering home purchases, particularly benefiting those prioritizing predictability in their mortgage payments. First-time buyers may find the fixed-rate terms advantageous amid a steady rate environment, while long-term planners can assess affordability without concern for immediate rate shifts. Given these unchanging rates, members should evaluate fixed-rate options if they value payment certainty and consider refinancing only if it aligns with their long-term financial goals. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.
FAMILY TRUST FEDERAL CREDIT UNION
As of September 21, 2026, 15-Year Fixed Rate Purchase loans remain at 5.25%, unchanged from last week but up 25 basis points compared to 30 days ago. Similarly, the 30-Year Fixed Rate Purchase holds steady at 6.125%, with no weekly change but a 25 basis point increase month-over-month. These rising yields indicate higher borrowing costs over the past month, impacting affordability for new homebuyers, especially those prioritizing long-term stability.Members considering home purchases should weigh the trade-off between locking in the lowest current fixed rates and potential future rate fluctuations. First-time buyers might benefit from the predictability of fixed terms despite recent increases. Evaluating refinancing options remains prudent when rate differentials justify closing costs.For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
As of September 21, 2026, FIRST FINANCIAL OF MARYLAND reports stable mortgage rates for fixed-rate purchase loans. The 15-Year Fixed purchase rate remains at 5.00%, unchanged over the past week and month, representing the lowest rate option currently available. Meanwhile, the 30-Year Fixed purchase rate holds steady at 6.125%, with no movement in the last seven or thirty days. These unchanged yields indicate consistent borrowing costs for members considering home purchases.For first-time buyers prioritizing lower monthly payments, the 15-Year Fixed offers a competitive yield spread relative to longer terms. Conversely, those seeking extended repayment periods face higher cost of borrowing with the 30-Year Fixed option. Members should evaluate their mortgage strategy based on these fixed rates; locking in stability may be preferable amid broader market uncertainties.Consider assessing your financing needs carefully, fixed-rate options remain reliable for predictable payments, and refinancing may be advantageous if long-term savings exceed associated costs. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
As of September 21, 2026, Hawaii State credit union reports notable increases in mortgage rates for purchase loans. The 15-Year Fixed Purchase rate rose by 37.5 basis points over the past week to 6.125%, marking its lowest point in recent months but reflecting a steady upward trend since 90 days ago. Similarly, the 30-Year Fixed Purchase rate increased by 37.5 basis points week-over-week, now at 6.75%, up 50 basis points compared to 30 days prior.These yield spreads signal higher borrowing costs, impacting first-time homebuyers and long-term purchasers who may face greater monthly payments. Borrowers prioritizing payment stability might consider the shorter-term fixed option despite slightly higher points. Given persistent rate increases, members should evaluate their mortgage strategies carefully; refinancing could be beneficial if projected savings exceed associated costs.For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HOUSTON FEDERAL CREDIT UNION
As of September 21, 2026, Houston credit union reports stable mortgage rates for fixed-rate purchase loans. The 15-year fixed purchase rate remains at 5.50%, unchanged over the past week but increased by 37.5 basis points since 30 days ago. This rise indicates a higher cost of borrowing compared to last month, impacting borrowers seeking shorter-term financing options. Meanwhile, the 30-year fixed purchase rate holds steady at 6.125%, with no change in the past week but up by 25 basis points versus 30 days prior. Long-term buyers may face increased yield spreads, influencing monthly payments and affordability.Members considering a home purchase should weigh these rate trends carefully; fixed-rate products offer predictable payments amid recent upticks. For those evaluating refinancing, understanding these shifts can guide timing and loan selection to optimize long-term costs.For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of September 21, 2026, mortgage rates for KNOXVILLE TVA EMPLOYEES remain stable across primary fixed-rate products. The 15-Year Fixed-Rate Mortgage holds steady at 5.25%, unchanged over the past week and month, reflecting consistent yield spreads. Similarly, the 30-Year Fixed-Rate Mortgage remains at 5.50%, with no recent movement in basis points. These rates represent a notable reduction from six months ago, improving the cost of borrowing for home purchases.For first-time buyers and long-term homeowners seeking predictable payments, the 15-year fixed offers the lowest rate, supporting accelerated equity building. Meanwhile, the 30-year fixed balances affordability with payment stability. Given current market steadiness, members should consider fixed-rate options to lock in costs amid uncertain future fluctuations. Evaluating your mortgage strategy periodically can help optimize borrowing costs relative to your financial goals.For details, visit https://www.tvacreditunion.com/borrow/loans/home-loans.html.
MCCOY FEDERAL CREDIT UNION
As of September 21, 2026, mortgage rates remain stable at MCCOY Credit Union. The 15-year fixed purchase loan holds steady at 5.5%, maintaining the lowest rate among available options, with no change in yield spread over the past 7 or 30 days. Similarly, the 30-year fixed purchase loan remains unchanged at 6.0%, reflecting consistent borrowing costs for long-term financing.For members prioritizing predictable payments and shorter loan terms, the 15-year fixed mortgage’s stable rate supports manageable interest expenses without recent volatility. Meanwhile, first-time buyers or those seeking extended amortization can rely on the 30-year fixed product’s unchanged rate for long-term budgeting certainty.Given the current rate stability, members should evaluate their mortgage strategy carefully, considering refinancing only if projected savings exceed closing costs. Fixed-rate options offer reliable cost control in an environment without recent rate fluctuations.For details, visit https://www.mccoyfcu.org/rates/mortgages.html.
SAFE 1 CREDIT UNION
As of September 21, 2026, SAFE 1 reports stable mortgage rates across key fixed-rate purchase programs. The 15-Year Fixed Rate remains at 5.5%, unchanged from one week and one month ago, maintaining a consistent yield spread that supports predictable borrowing costs for members prioritizing shorter-term financing. Similarly, the 30-Year Fixed Rate holds steady at 6.0%, showing no variation over the past 7 or 30 days, which sustains affordability for buyers seeking long-term payment stability.These unchanged rates suggest limited volatility in market-driven cost of borrowing, enabling members, especially first-time homebuyers, to plan with clarity. Veterans and those considering refinancing should assess their mortgage strategy carefully; fixed-rate options continue to offer rate certainty amid broader economic fluctuations.Members are encouraged to evaluate fixed-rate mortgages aligned with their financial goals and consider refinancing when projected savings surpass associated costs.For details, visit https://www.safe1.org/home-loans/first-mortgage/.
Zillow National Average
As of September 21, 2026, mortgage rates show a mixed trend for jumbo loans. The 15-Year Fixed Rate Jumbo is at 6.762%, down by 4 basis points from yesterday, while the 30-Year Fixed Rate Jumbo has increased to 7.125%, up by 29 basis points in the same period. Over the past week, the 30-Year Fixed Rate Jumbo rose by 20 basis points, indicating a notable shift in borrowing costs. In contrast, the 15-year option reflects a slight decrease. Borrowers should be aware of these fluctuations as they could influence monthly payments and overall loan affordability. Careful consideration of current rates is essential when making financing decisions.
Federal Reserve Economic Trends
Recent data shows that breakeven inflation rates for both 10-year and 5-year periods remain stable at 2.330% and 2.310%, respectively, indicating steady inflation expectations. This stability contrasts sharply with the significant shifts in mortgage rates, particularly the 30-Year Average Rate, which fell by a notable 6.95 points to 6.950% today, marking the largest one-day change. Over the past month, this rate has decreased by 6.65 points, suggesting a more favorable borrowing environment for potential homeowners. The lowest mortgage rate recorded is 6.710% for the USDA loan type. As inflation expectations stabilize, borrowers may find improved conditions for securing loans; however, monitoring these trends remains essential for informed financial decisions.
LendMesh
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Conclusion
As you consider your next move, keep in mind that even small changes in mortgage rates can add up over time. The recent uptick of about 8 basis points on 30-year fixed jumbo loans might feel minor, but it could increase your monthly payment by dozens of dollars or cost thousands more in interest over the life of the loan. For buyers aiming at shorter terms, credit unions like Eecu with a 4.0% 15-year fixed conforming rate offer a clear path to paying off your home faster while saving on interest. Whether purchasing or refinancing, take a moment to compare rates carefully and factor in closing costs like points. Staying informed allows you to act confidently and secure a mortgage that fits both your budget and your future goals.