Introduction
On September 22, 2026, mortgage rates are holding steady with just a few nudges here and there. If you’re in the market to buy or refinance, it’s worth noting that Credit Union 1 offers the lowest rate today with a 15-year VA loan at 5.5%, a solid option for veterans and active military members looking to save on interest. Meanwhile, Zillow’s data shows the 30-year fixed jumbo loan inching up slightly to 7.021%, reflecting subtle shifts in the broader market. Inflation expectations have dipped a bit according to Federal Reserve data, which could help keep borrowing costs from rising too quickly. Here’s what you need to know before locking in a rate, because even small changes can make a big difference over time.
At a glance
New Purchase - VA 15 yrs Fixed
| Lender | 2026-09-22 Current | 2026-09-15 7 Days Ago | 2026-09-07 15 Days Ago | 2026-08-23 30 Days Ago | 2026-08-08 45 Days Ago | 2026-07-24 60 Days Ago | 2026-06-24 90 Days Ago | 2026-03-26 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CREDIT UNION 1 CREDIT UNIONLOWEST | 5.50% | 5.50% | 5.50% | 5.50% | 5.25% | 5.25% | 5.13% | 5.13% |
| NAVY FEDERAL CREDIT UNION | 5.75% | 5.75% | 5.50% | 5.38% | 5.50% | 5.50% | 5.25% | 5.25% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 5.88%▲ 50 bps | 5.38% | 5.38% | 5.25% | 5.25% | 5.25% | 5.25% | 4.88% |
| ENT CREDIT UNION | 6.00% | 6.00% | 5.63% | 5.50% | 5.50% | 5.63% | 5.38% | 5.38% |
| SPACE COAST CREDIT UNION | 6.00%▲ 13 bps | 5.88% | 5.88% | 5.75% | 5.75% | 5.75% | 5.38% | N/A |
| CREDIT UNION WEST CREDIT UNION | 6.13% | 6.13% | N/A | N/A | N/A | N/A | N/A | 5.13% |
| GOLDENWEST FEDERAL CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 5.13% |
| HANSCOM FEDERAL CREDIT UNION | 6.25% | 6.25% | 6.00% | 5.88% | 5.75% | 5.88% | 5.63% | 5.63% |
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 | 2026-09-22 Current | 2026-09-15 7 Days Ago | 2026-09-07 15 Days Ago | 2026-08-23 30 Days Ago | 2026-08-08 45 Days Ago | 2026-07-24 60 Days Ago | 2026-06-24 90 Days Ago | 2026-03-26 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CREDIT UNION 1 CREDIT UNIONLOWEST | 5.88% | 5.88% | 5.88% | 5.88% | 5.63% | 5.63% | 5.63% | 5.63% |
| COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.13% | 6.00% | 6.00% | 6.00% | 5.63% |
| PENTAGON FEDERAL CREDIT UNION | 6.13% | 6.13% | 5.75% | 5.75% | 5.63% | 5.63% | 5.50% | 5.50% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 6.25%▲ 26 bps | 5.99% | 5.99% | 5.88% | 5.75% | 5.75% | 5.75% | 5.38% |
| CREDIT UNION WEST CREDIT UNION | 6.38% | 6.38% | N/A | N/A | 5.99% | 6.50% | N/A | 5.63% |
| GOLDENWEST FEDERAL CREDIT UNION | 6.49%▲ 12 bps | 6.38% | 6.13% | 5.99% | 5.99% | 5.99% | 5.88% | 5.75% |
| ENT CREDIT UNION | 6.50% | 6.50% | 6.13% | 6.13% | 6.00% | 6.13% | 5.88% | 5.88% |
| SPACE COAST CREDIT UNION | 6.75%▲ 13 bps | 6.63% | 6.63% | 6.50% | 6.50% | 6.50% | 6.13% | N/A |
| HANSCOM FEDERAL CREDIT UNION | 6.88% | 6.88% | 6.63% | 6.50% | 6.50% | 6.50% | 6.25% | 6.25% |
| NAVY FEDERAL CREDIT UNION | 7.38%▲ 113 bps | 6.25% | 7.00% | 5.75% | 5.88% | 7.00% | 5.63% | 6.75% |
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 22, 2026, the VA 30-Year Fixed Purchase mortgage rate remains steady at 6.125%, unchanged from both one week and one month ago. This stability in rates means borrowing costs for veterans seeking to purchase a home have not increased recently, preserving predictable monthly payments. Despite rates holding firm, today’s yield is approximately 12.5 basis points higher than 45 days ago, indicating a modest upward trend over the past two months. For members prioritizing long-term payment consistency, the VA 30-Year Fixed remains a reliable option. Veterans considering home purchases should evaluate their financial position carefully and assess whether locking in this stable rate aligns with their budget and market expectations. For details, visit https://www.ccuflorida.org/home/rates/mortgage.
CREDIT UNION 1 CREDIT UNION
As of September 22, 2026, 15-year VA Loans and 30-year VA Loans purchase rates remain stable at 5.5% and 5.875%, respectively. There is no change in yields compared to one week or one month ago, indicating steady borrowing costs for veterans seeking fixed-rate mortgage options. The 15-year VA Loan, with the lowest rate available today, continues to offer a more cost-efficient choice for those prioritizing shorter-term debt reduction. Veterans evaluating home purchase financing can rely on consistent rate levels, which support predictable monthly payments and long-term planning. Given this stability, members should consider locking in fixed-rate products if they value rate certainty or assess refinancing opportunities when potential savings outweigh associated fees. For details, visit https://www.cu1.org/rates#real-estate-rates.
CREDIT UNION WEST CREDIT UNION
As of September 22, 2026, CREDIT UNION WEST reports stable mortgage rates for purchase loans in fixed-rate categories. The 15-year fixed purchase rate remains at 6.125% with 1.25 points, showing no change over the past week. Similarly, the 30-year fixed purchase rate holds steady at 6.375% with 0.625 points, unchanged from seven days ago but elevated by approximately 38 basis points compared to rates 30 days prior.These yield spreads suggest a consistent cost of borrowing for members considering shorter-term financing, while longer-term borrowers face slightly higher rates than one month ago. First-time buyers and those valuing payment stability may prefer the fixed-rate options, especially the lower-cost 15-year fixed, which currently offers the most favorable rate on the table. Members assessing refinancing should weigh current rates against their existing loan terms and closing costs.Given the current rate environment, evaluate your mortgage strategy carefully; consider fixed-rate options if you prioritize predictable payments or explore refinancing only if potential savings justify associated expenses. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
ENT CREDIT UNION
On September 22, 2026, VA 15-Year Fixed Purchase rates hold steady at 6.0%, unchanged over the past week but up 50 basis points compared to 30 days ago. The VA 30-Year Fixed Purchase rate remains at 6.5%, also unchanged week-over-week yet increased by 37.5 basis points month-over-month. These stable weekly yields indicate consistent borrowing costs for veterans seeking long-term home financing, though the monthly rise suggests higher overall mortgage expenses than a month prior.For veterans prioritizing lower monthly payments and longer terms, the VA 30-Year Fixed option remains available but at elevated rates relative to recent months. Conversely, those aiming to reduce interest expense may consider the shorter-term VA 15-Year Fixed, which offers the lowest current rate in this update. Members should assess their financial goals carefully; locking in fixed rates could mitigate future market volatility risks. Evaluating refinancing opportunities may be prudent if potential savings exceed associated fees.For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
GOLDENWEST FEDERAL CREDIT UNION
As of September 22, 2026, the 15 Year Fixed VA Mortgage remains steady at 6.125%, showing no change over the past week or month. This rate represents the lowest yield among today’s VA purchase options, offering veterans a consistent borrowing cost for shorter-term financing.Conversely, the 30 Year Fixed VA Mortgage increased by 11.5 basis points compared to last week, rising to 6.49%, and is up 50 basis points from one month ago. This upward movement indicates higher long-term borrowing costs for veterans seeking extended amortization periods, potentially impacting monthly affordability.Members prioritizing payment stability might consider the unchanged 15-year fixed option, while those evaluating longer terms should weigh the recent rise in yield spreads carefully. Veterans planning purchases should assess their mortgage strategy in light of these rate dynamics; particularly, refinancing considerations depend on whether potential savings exceed associated closing costs.For details, visit https://www.gwcu.org/rates/homeloans.
HANSCOM FEDERAL CREDIT UNION
On September 22, 2026, VA 15 Year Fixed Purchase loans remain at a 6.25% rate, unchanged from last week but up 37.5 basis points compared to 30 days ago. Similarly, the VA 30 Year Fixed Purchase rate holds steady at 6.875%, showing no weekly change but an increase of 37.5 basis points month-over-month. These stable short-term yields suggest consistent borrowing costs for veterans seeking to purchase homes with government-backed support; however, the upward trend over the past month reflects tightening yield spreads that could raise long-term financing expenses. Members prioritizing payment stability may consider locking in fixed rates now to mitigate further increases. Veterans evaluating purchase options should assess their capacity for higher monthly payments on longer terms versus the benefits of shorter loan durations. For details, visit https://www.hfcu.org/rates/mortgage-rates.html.
NAVY FEDERAL CREDIT UNION
As of September 22, 2026, the 15-year VA fixed purchase loan holds the lowest rate at 5.75%, unchanged over the past week but up 37.5 basis points compared to 30 days ago. This stability benefits veterans prioritizing shorter-term financing with predictable payments. Conversely, the Military Choice 30-year fixed purchase program rose sharply by 112.5 basis points in one week to 7.375%, marking a significant increase of 162.5 basis points over 30 days, raising the cost of borrowing for longer-term homebuyers in this category.For members seeking consistent monthly obligations, the 15-year VA fixed rate remains attractive despite slight month-over-month increases. Those considering extended terms under Military Choice should evaluate potential budget impacts due to recent yield spread expansions.Members are advised to assess their mortgage strategy carefully; consider fixed-rate options if you value payment stability or evaluate refinancing if projected savings outweigh associated costs. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
PENTAGON FEDERAL CREDIT UNION
As of September 22, 2026, the 30-year Fixed VA Loan purchase rate remains steady at 6.125%, unchanged over the past week but up by 37.5 basis points compared to 30 days ago. This increase in yield spreads reflects a rising cost of borrowing for veterans and eligible buyers seeking government-backed financing. Stability in recent days offers predictability for members planning home purchases, yet the month-over-month uptick suggests careful evaluation of timing is warranted. First-time buyers and veterans should consider locking in fixed-rate options to mitigate future rate volatility. Given these dynamics, members may benefit from reviewing their mortgage strategy and evaluating refinancing possibilities if long-term savings surpass associated costs. 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 22, 2026, 15-Year Fixed Purchase mortgage rates have risen by 50 basis points over the past week to 5.875%, marking the lowest rate option currently available. Similarly, the 30-Year Fixed Purchase mortgage rate increased by 26 basis points to 6.25% in the same period. These upward shifts indicate a tightening in yield spreads, resulting in a higher cost of borrowing compared to recent weeks.For members considering home purchases, especially first-time buyers prioritizing lower monthly payments, the rise in longer-term fixed rates may impact affordability. Those who value predictability might evaluate locking in current fixed rates before further increases. Veterans or refinance applicants should monitor these trends closely since government-backed options are not currently listed and may offer different yields.Given these movements, members should consider their mortgage strategy carefully; evaluating refinancing only if potential savings exceed associated costs remains prudent. For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SPACE COAST CREDIT UNION
On September 22, 2026, 15-year fixed purchase mortgage rates rose by 12.5 basis points, reaching 6.00%, while 30-year fixed purchase rates increased by the same margin to 6.75%. Compared to 30 days ago, these represent a notable rise of 25 basis points each, reflecting upward pressure on borrowing costs. For members seeking long-term financing stability, the 15-year fixed at 6.00% remains the lowest available rate, offering a shorter-term commitment with reduced interest exposure. First-time buyers should weigh these increases against their budget constraints, and homeowners considering refinancing must evaluate if potential savings outweigh the rising yield spreads. Given current trends, members are advised to carefully analyze fixed-rate options and consider locking in rates if prioritizing predictability in payments.For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
Zillow National Average
As of September 22, 2026, U.S. mortgage rates have increased for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo is now at 6.911%, up by 34 basis points from yesterday and 76 basis points over the past month. Similarly, the 30-Year Fixed Rate Jumbo stands at 7.021%, reflecting a slight increase of 11 basis points in just one day. Borrowers should be aware that these rising rates can affect the overall cost of borrowing, potentially leading to higher monthly payments. Monitoring these trends is crucial for informed decision-making in mortgage planning.
Federal Reserve Economic Trends
Inflation expectations, as reflected in the Breakeven Inflation Rate, play a crucial role in determining mortgage rates and overall borrowing costs. Currently, Mortgage 30Yr Average Rates have dropped significantly by 6.65 points over the past 30 days, signaling easing borrowing conditions for prospective homeowners. Additionally, the Mortgage 30Yr Usda Average Rates saw a modest increase of 0.11 points over the last week, indicating slight upward pressure on specific loan types. The lowest mortgage rate reported is the Mortgage 15Yr Average Rates, which remains at 0.000 due to lack of recent data. Borrowers should monitor these trends closely to make informed decisions about financing options amid fluctuating market conditions.
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Conclusion
As you consider your next move in home financing, keep in mind that even a quarter-point change in your interest rate can add hundreds to your monthly payment and thousands across the life of your loan. With some credit unions holding steady on competitive VA loan rates and inflation trends showing modest easing, now is a good time to weigh your options carefully. Whether you’re buying your first home or refinancing an existing mortgage, focus on securing a rate that fits your budget without stretching too thin. Look closely at the lowest available rates like the 15-year VA loans at 5.5%, but also consider how small shifts affect affordability over years ahead. Thoughtful planning today can translate into significant savings tomorrow.