Introduction
As of September 24, 2026, mortgage rates are showing subtle shifts that could influence your next move in the housing market. If you’re eyeing a home purchase or refinance, it pays to look closely at today’s numbers before locking in. Credit unions like Coast Central are offering some of the lowest rates, with a 15-year fixed purchase loan at 5.075% leading the pack. Meanwhile, Zillow’s data shows a notable uptick for jumbo loans, with the 30-year fixed jumbo rate rising to 7.089% this week. Inflation expectations remain steady but inching up slightly, signaling that borrowing costs may not ease soon. Here’s what you need to know before locking in a rate, because even small changes can shape your monthly payments and overall loan cost.
At a glance
New Purchase - Jumbo 15 yrs Fixed
| Lender | 2026-09-24 Current | 2026-09-17 7 Days Ago | 2026-09-09 15 Days Ago | 2026-08-25 30 Days Ago | 2026-08-10 45 Days Ago | 2026-07-26 60 Days Ago | 2026-06-26 90 Days Ago | 2026-03-28 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| COAST CENTRAL CREDIT UNIONLOWEST | 5.08%▲ 13 bps | 4.95% | N/A | N/A | N/A | N/A | N/A | N/A |
| CERTIFIED FEDERAL CREDIT UNION | 5.50% | 5.50% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% | 5.13% |
| CONSUMERS CREDIT UNION | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNION | 5.59%▲ 9 bps | 5.50% | 5.41% | 5.43% | 5.45% | 5.35% | 5.22% | 4.98% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 6.75%▲ 13 bps | 6.63% | 6.25% | 6.00% | 5.88% | 6.00% | 5.50% | 5.75% |
| CALIFORNIA COAST CREDIT UNION | 6.75%▲ 13 bps | 6.63% | 6.38% | 6.13% | 6.13% | 6.13% | 5.88% | 5.88% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6.75% | 6.75% | 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 | 2026-09-24 Current | 2026-09-17 7 Days Ago | 2026-09-09 15 Days Ago | 2026-08-25 30 Days Ago | 2026-08-10 45 Days Ago | 2026-07-26 60 Days Ago | 2026-06-26 90 Days Ago | 2026-03-28 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| COAST CENTRAL CREDIT UNIONLOWEST | 5.83%▲ 13 bps | 5.70% | N/A | N/A | N/A | N/A | N/A | N/A |
| UNITED CREDIT UNION | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.88% |
| PUBLIX EMPLOYEES FEDERAL CREDIT UNION | 6.09%▲ 6 bps | 6.03% | 5.96% | 5.97% | 5.93% | 5.86% | 5.74% | 5.47% |
| CERTIFIED FEDERAL CREDIT UNION | 6.25% | 6.25% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| AMERICA'S CREDIT UNION, A FEDERAL CREDIT UNION | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% | 6.38% |
| CONSUMERS CREDIT UNION | 7.13% | 7.13% | 7.00% | 6.88% | 6.88% | 6.88% | 6.75% | 6.63% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 7.25%▲ 13 bps | 7.13% | 6.63% | 6.63% | 6.50% | 6.50% | 6.00% | 6.25% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 7.25% | 7.25% | 6.88% | 6.88% | 6.88% | 6.88% | 6.88% | 6.50% |
| CALIFORNIA COAST CREDIT UNION | 7.38%▲ 13 bps | 7.25% | 6.88% | 6.75% | 6.75% | 6.75% | 6.50% | 6.50% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
As of September 24, 2026, Jumbo 15 Year Fixed mortgage rates for purchase loans increased by 12.5 basis points to 6.75%, marking a notable rise of 75 basis points over the past 30 days. Similarly, the Jumbo 30 Year Fixed purchase rate rose by 12.5 basis points to 7.25%, up 62.5 basis points month-over-month. These upward shifts indicate a tightening in borrowing costs for high-value property buyers, particularly impacting those seeking longer-term financing stability.Members considering jumbo loans should evaluate the cost implications carefully; shorter-term fixed options carry relatively lower rates but higher monthly payments, whereas longer terms spread costs but at higher yields. Given recent rate increases, it is prudent to assess refinancing only if projected savings exceed transaction costs or to consider fixed-rate products for predictable budgeting.For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.
AMERICA'S CREDIT UNION, A FEDERAL CREDIT UNION
As of September 24, 2026, the 30-year Jumbo Fixed Rate Purchase loan at 80% LTV remains steady at 6.375%, showing no change in yield over the past 7 and 30 days. This stability in jumbo rates indicates a consistent cost of borrowing for high-value homebuyers who require larger loan amounts beyond conforming limits. For members considering jumbo financing, this fixed rate offers predictability without recent upward pressure on interest expenses. Given the lack of movement, borrowers prioritizing payment certainty may find fixed-rate jumbo loans advantageous in current market conditions. Evaluate your mortgage strategy carefully; maintaining a fixed-rate structure can mitigate risk amid potential future rate volatility. Consider refinancing only if projected long-term savings exceed associated costs. For details, visit https://youracumortgage.mymortgage-online.com/Rates.html.
CALIFORNIA COAST CREDIT UNION
As of September 24, 2026, 15-year Jumbo Fixed mortgage rates for purchase stand at 6.75% with 0.125 points, marking a 12.5 basis point increase from last week and a significant 62.5 basis point rise over the past month. Similarly, the 30-year Jumbo Fixed purchase rate is currently at 7.375% with zero points, also reflecting a 12.5 basis point uptick week-over-week and a 62.5 basis point increase since 30 days ago. These rising yields indicate higher borrowing costs for jumbo loan borrowers, particularly impacting high-value property buyers who require larger loan amounts beyond conforming limits. Members should assess the trade-off between locking in current fixed rates or delaying in anticipation of potential market shifts. For those prioritizing payment stability, fixed-rate jumbo products remain relevant despite recent upward pressure. Evaluate refinancing strategies carefully if potential interest savings exceed associated fees to optimize long-term financial outcomes. For details, visit https://www.calcoastcu.org/mortgage-rates/.
CERTIFIED FEDERAL CREDIT UNION
As of September 24, 2026, 15-Year Fixed Purchase and 30-Year Fixed Purchase mortgage rates remain steady at 5.50% and 6.25%, respectively. Both products show no change over the past week but have increased by 37.5 basis points compared to 30 days ago. The rise in yield spreads indicates a higher cost of borrowing for homebuyers, impacting affordability, especially for those considering longer loan terms. First-time buyers might find the lower rate on the 15-Year Fixed option advantageous for reducing interest expense despite higher monthly payments. Given these trends, members should assess their mortgage strategy carefully; those prioritizing payment stability may favor fixed-rate loans while evaluating refinancing only if potential savings exceed associated costs.For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
COAST CENTRAL CREDIT UNION
As of September 24, 2026, 15-year fixed purchase mortgages are offered at a rate of 5.075%, marking an increase of 12.5 basis points over the past week. Meanwhile, the 30-year fixed purchase mortgage rate stands at 5.825%, also up by 12.5 basis points compared to seven days ago. These rate adjustments reflect tightening yield spreads and contribute to a higher cost of borrowing for homebuyers.For members prioritizing lower monthly payments and long-term stability, the 15-year fixed loan presents the lowest available rate today but with higher monthly obligations due to shorter terms. The rise in rates may influence first-time buyers’ purchasing power and should prompt careful evaluation of mortgage strategies. Those considering refinancing should assess whether potential savings outweigh current costs given these upward shifts in fixed rates.Consider fixed-rate options if you value predictable payments; evaluate refinancing only if projected interest savings justify associated fees.
CONSUMERS CREDIT UNION
As of September 24, 2026, the Jumbo 15 Year Fixed Purchase mortgage remains steady at 5.5%, holding the lowest rate among available jumbo options with no change over the past week or month. Conversely, the Jumbo 30 Year Fixed Purchase rate is stable at 7.125%, up 12.5 basis points compared to 30 days ago, reflecting a modest increase in the cost of borrowing for longer-term jumbo loans.For borrowers prioritizing predictability and lower yields, the 15-year fixed jumbo option presents a more favorable yield spread, maintaining consistent rates without recent volatility. Meanwhile, those considering extended amortization should account for rising long-term costs tied to the 30-year fixed product’s upward trend.Members are advised to evaluate their mortgage strategy carefully; locking in fixed rates may benefit those valuing payment stability amid market shifts, while refinancing considerations should weigh potential savings against closing costs. For details, visit https://www.myconsumers.org/loans/home-loans/home-purchase-refinance.
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
As of September 24, 2026, 15-year fixed purchase mortgages are at a rate of 5.59%, marking an increase of 9 basis points over the past week and 16 basis points compared to 30 days ago. Meanwhile, the 30-year fixed purchase mortgage rate stands at 6.09%, up by 6 basis points in the last seven days and 12 basis points month-over-month. These rising yields indicate higher borrowing costs for members seeking long-term financing stability. First-time buyers may find the lower-rate 15-year fixed option financially advantageous for reducing total interest expense despite higher monthly payments. Given these trends, members should carefully assess their mortgage term preferences and consider refinancing only if potential savings surpass associated fees. 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 24, 2026, 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase rates hold steady at 6.75% and 7.25%, respectively, matching last week’s yields. Compared to 30 days ago, both have risen by 37.5 basis points, reflecting a moderate increase in the cost of borrowing for jumbo loan borrowers over the past month. This upward shift may affect affordability for buyers seeking larger loan amounts, emphasizing the value of evaluating fixed-rate options if stability is a priority. Members with jumbo loan needs should consider their long-term strategy carefully; locking in current rates could mitigate further increases. For details, visit https://www.ssfcu.org/rates/home-loan-rates.
UNITED CREDIT UNION
As of September 24, 2026, the Jumbo 30-Year Fixed Purchase mortgage remains steady at a rate of 6.0% with 0.0 points, showing no change over the past week or month. This stability in rates suggests consistent borrowing costs for high-value homebuyers seeking long-term fixed-rate financing. For members considering jumbo loans, this unchanged yield spread implies predictable monthly payments without increased interest expense compared to previous periods.First-time buyers and those evaluating refinancing should note that while jumbo loans typically serve higher loan amounts, the current rate plateau may impact their cost-benefit analysis when comparing to other loan products or terms not listed today. Maintaining vigilance on market movements remains essential.In this environment, borrowers may want to consider fixed-rate options if they value payment stability and closely evaluate refinancing opportunities when potential savings exceed transaction costs.For details, visit https://www.unitedfcu.com/rates-and-fees/rates/mortgage-rates.
Zillow National Average
As of September 24, 2026, mortgage rates have increased for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo now stands at 7.075%, up by 12 basis points from yesterday and reflecting a significant increase of 91 basis points over the past month. Similarly, the 30-Year Fixed Rate Jumbo is at 7.089%, rising by 11 basis points in just one day and up 68 basis points over the last 30 days. These upward trends indicate a higher cost of borrowing for potential homeowners; borrowers should assess their financing options carefully in light of these changes.
Federal Reserve Economic Trends
Current breakeven inflation rates indicate stable inflation expectations, with the 10-year rate at 2.350% and the 5-year rate slightly lower at 2.340%. These figures suggest a moderate outlook on inflation, which typically influences mortgage rates and borrowing costs. The largest recent change was in the Mortgage 30Yr Average Rates, which dropped significantly by 6.95 points over the past week, reflecting shifts in market conditions. Meanwhile, the 30Yr VA Average Rate saw a modest increase of 0.49 points over the last 30 days, now at 6.817%, which remains competitive compared to other options like the lowest observed rate of 6.420% for the 15Yr Mortgage. Borrowers should closely monitor these trends as they can directly impact their financing decisions.
LendMesh
Buying a home is a big milestone, but it doesn’t have to be a stressful one. At LendMesh, our mission is to simplify the mortgage process by connecting you with lenders who put your interests first. We work closely with both national banks and local credit unions to bring you the latest mortgage rates and personalized loan options, all backed by clear, actionable financial advice. Our user-friendly platform makes it easy to compare your choices, calculate payments, and learn the ins and outs of home loans. Begin your journey to homeownership with peace of mind—explore our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . LendMesh is here to make every step easier.
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Conclusion
Looking ahead, remember that even modest increases like the recent 0.125% rise in many credit union fixed rates can add hundreds to your monthly mortgage bill over time. For buyers and refinancers, locking in a rate near today’s lows, like Coast Central’s 5.075% on a 15-year fixed, could save you significant money down the road. Keep an eye on inflation trends; they often foreshadow rate movements that affect affordability. Consider your timeline and budget carefully; sometimes paying slightly more for a shorter term helps build equity faster and reduces total interest paid. Staying informed and flexible is key, small steps now help secure financial comfort for years to come.