Introduction
On September 25, 2026, mortgage rates show subtle shifts that could shape your next move in home financing. If you’ve been watching the market closely, today brings a mix of steady and rising numbers from trusted credit unions and national averages. For instance, Knoxville TVA Employees Credit Union offers the lowest 15-year fixed refinance rate at 5.25%, holding steady this week. Meanwhile, Zillow reports a notable uptick in jumbo loan rates, with the 30-year fixed jumbo climbing to 7.15%. Inflation expectations remain calm, with the 10-year breakeven inflation rate steady at 2.33%. Here’s what you need to know before locking in a rate, understanding these nuances can help you choose the right moment to refinance or buy.
At a glance
Refinance - Conventional 15 yrs Fixed
| Lender | 2026-09-25 Current | 2026-09-18 7 Days Ago | 2026-09-10 15 Days Ago | 2026-08-26 30 Days Ago | 2026-08-11 45 Days Ago | 2026-07-27 60 Days Ago | 2026-06-27 90 Days Ago | 2026-03-29 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| KNOXVILLE TVA EMPLOYEES CREDIT UNIONLOWEST | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.63% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.63% | 5.63% | 5.38% |
| LAUNCH CREDIT UNION | 5.75% | 5.75% | 5.75% | 5.75% | 5.75% | 5.50% | 5.50% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 6.00% | 6.00% | 5.75% | 5.75% | 5.75% | N/A | 5.63% | 5.50% |
| TROPICAL FINANCIAL CREDIT UNION | 6.25%▲ 13 bps | 6.13% | 5.88% | 5.75% | 5.75% | 5.63% | 5.63% | 5.50% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | 6.49%▼ 25 bps | 6.74% | 6.74% | 6.74% | 6.74% | 6.74% | 6.74% | 6.74% |
| CONNECTICUT STATE EMPLOYEES CREDIT UNION | 6.63%▲ 25 bps | 6.38% | 6.13% | 5.88% | 5.88% | 6.13% | 5.40% | 5.40% |
| AFFINITY PLUS FEDERAL CREDIT UNION | 6.88%▲ 38 bps | 6.50% | 6.13% | 6.13% | 6.13% | 6.13% | 5.88% | 5.75% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
Refinance - Conventional 30 yrs Fixed
| Lender | 2026-09-25 Current | 2026-09-18 7 Days Ago | 2026-09-10 15 Days Ago | 2026-08-26 30 Days Ago | 2026-08-11 45 Days Ago | 2026-07-27 60 Days Ago | 2026-06-27 90 Days Ago | 2026-03-29 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| KNOXVILLE TVA EMPLOYEES CREDIT UNIONLOWEST | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 6.25% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 5.99% | 5.99% | 5.99% | 6.13% | 6.13% | 5.88% | 5.88% | 5.75% |
| LAUNCH CREDIT UNION | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.00% | 6.00% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 7.00% | 7.00% | 6.75% | 6.75% | 6.75% | N/A | 6.50% | 6.38% |
| TROPICAL FINANCIAL CREDIT UNION | 7.00% | 7.00% | 6.75% | 6.63% | 6.75% | 6.50% | 6.50% | 6.38% |
| CONNECTICUT STATE EMPLOYEES CREDIT UNION | 7.25%▲ 38 bps | 6.88% | 6.75% | 6.50% | 6.63% | 6.75% | N/A | N/A |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | 7.25%▲ 38 bps | 6.88% | 6.75% | 6.49% | 6.49% | 6.49% | 6.38% | 6.38% |
| AFFINITY PLUS FEDERAL CREDIT UNION | 7.38%▲ 38 bps | 7.00% | 6.75% | 6.75% | 6.75% | 6.75% | 6.38% | 6.13% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
1ST ADVANTAGE FEDERAL CREDIT UNION
As of September 25, 2026, 15-Year Fixed Refinance rates hold steady at 5.75%, unchanged over the past week and month, maintaining the lowest yield among today’s refinance options. Conversely, the 30-Year Fixed Refinance rate remains at 5.99%, stable week-over-week but down 13.5 basis points compared to 30 days ago, reflecting a modest easing in long-term borrowing costs.For members refinancing shorter terms, the consistent 15-year fixed rate supports predictable payments with stable costs. Meanwhile, those considering longer amortizations may benefit from recent declines in the 30-year fixed rate, potentially lowering monthly obligations and total interest outlay.Evaluate your mortgage strategy by comparing term length and current rate trends; consider fixed-rate options if you prioritize payment stability or assess refinancing if projected savings surpass associated fees. For details, visit https://www.1stadvantage.org/personal/home-loans-equity/refinance-home-loan/#rates.
AFFINITY PLUS FEDERAL CREDIT UNION
As of September 25, 2026, 15-Year Fixed-Rate Conventional refinance loans stand at 6.875%, up 37.5 basis points from last week and 75 basis points higher than one month ago. Similarly, the 30-Year Fixed-Rate Conventional refinance rate is 7.375%, reflecting a 37.5 basis point increase over seven days and a 62.5 basis point rise compared to 30 days prior. These upward shifts indicate higher borrowing costs for members refinancing their mortgages, potentially impacting monthly payments and long-term interest expenses. Borrowers prioritizing payment stability might consider locking in fixed-rate terms now to mitigate further yield spread volatility. For those evaluating refinancing, careful calculation of closing costs against projected savings is advisable given recent rate increases. Members should review their mortgage strategy with current rate trends in mind to optimize financial outcomes. For details, visit https://www.affinityplus.org/rates/mortgage-rates.
CONNECTICUT STATE EMPLOYEES CREDIT UNION
On September 25, 2026, 15 Year Fixed Refinance rates increased by 25 basis points, rising to 6.625%, marking a notable rise of 75 basis points over the past 30 days. Similarly, the 30 Year Fixed Refinance rate climbed by 37.5 basis points this week, now at 7.25%, also up 75 basis points from one month ago. These upward shifts in yield spreads indicate higher borrowing costs for homeowners refinancing existing mortgages. Borrowers prioritizing shorter-term loans may find the 15 Year Fixed Refinance at 6.625% as the lowest available rate option today, offering potential long-term savings despite recent increases. Members should carefully evaluate refinancing benefits against current costs and consider fixed-rate options if stability in monthly payments is a priority. For details, visit https://www.csecreditunion.com/Rates/Loan-Rates#firstmortgage.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of September 25, 2026, refinance rates for both the 15-Year Fixed-Rate Mortgage and 30-Year Fixed-Rate Mortgage remain stable at 5.25% and 5.50%, respectively. There has been no change in yields over the past 7 or 30 days, indicating steady borrowing costs for members seeking to refinance. The 15-year fixed option offers the lowest rate currently available, beneficial for borrowers aiming to reduce interest expense over a shorter term. Stability in these rates supports predictable budgeting for Knoxville TVA Employees considering refinancing. Members should evaluate their mortgage strategy carefully; fixed-rate loans continue to provide cost certainty amid broader market fluctuations. For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.
LAUNCH CREDIT UNION
As of September 25, 2026, refinance mortgage rates for both the 15 Year Fixed and 30 Year Fixed programs remain steady at 5.75% and 6.25%, respectively. These rates have held firm over the past 7 and 30 days, indicating no change in yield spreads or cost of borrowing during this period. The 15 Year Fixed refinance option offers the lowest rate at 5.75%, presenting a potentially lower interest expense over time compared to longer terms. For members prioritizing payment stability and long-term savings, fixed-rate refinancing remains a reliable choice amid unchanged market conditions. Evaluating your mortgage strategy with these stable rates can help determine if refinancing will reduce your overall borrowing costs effectively. For details, visit https://www.launchcu.com/rates/#panel1_8.
MOUNTAIN AMERICA FEDERAL CREDIT UNION
As of September 25, 2026, the 15-year fixed refinance rate stands at 6.49%, marking a notable decrease of 25 basis points compared to last week and the same decline from 30 days ago. This downward movement reduces the cost of borrowing for homeowners seeking shorter-term refinancing options, potentially lowering monthly payments and total interest outlay. Conversely, the 30-year fixed refinance rate has increased by 37.5 basis points over the past week to 7.25%, continuing an upward trend with a 76 basis point rise since one month ago. Longer-term refinancers may face higher yield spreads and should carefully evaluate if locking in current rates aligns with their financial goals. Members prioritizing payment stability might consider the lower-cost 15-year fixed option, while those requiring extended terms should assess market conditions before refinancing. For details, visit https://www.macu.com/loans/home-loans/refinance.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 25, 2026, 15-year fixed refinance loans maintain the lowest rate at 6.00%, unchanged from one week ago but up 25 basis points compared to 30 days prior. Similarly, the 30-year fixed refinance rate holds steady at 7.00%, also reflecting a 25 basis point increase over the past month. These stable weekly yields suggest limited short-term volatility but a gradual upward trend in borrowing costs over the last month. For members considering refinancing, locking in a 15-year fixed loan at 6.00% may offer lower overall interest expense and faster equity build-up. Conversely, those prioritizing payment stability over term length should evaluate whether the current 30-year fixed rate aligns with their long-term financial strategy. Given these movements, members should analyze whether refinancing benefits outweigh associated fees and consider fixed-rate options if they value predictability. For details, visit https://www.rbfcu.org/home-loans-realty/mortgage-refinancing.
TROPICAL FINANCIAL CREDIT UNION
As of September 25, 2026, 15-year fixed refinance rates have increased by 12.5 basis points to 6.25%, representing the lowest rate among today’s options. This rise impacts borrowers seeking to reduce term length, increasing their cost of borrowing compared to a week ago. The 30-year fixed refinance rate remains steady at 7.00%, unchanged over the past week but up 37.5 basis points from 30 days prior, signaling higher long-term yield spreads for extended loan terms.Members aiming for shorter payoffs should weigh the modest rate increase against potential interest savings, while those considering longer terms face elevated costs that may affect monthly affordability. Evaluate your mortgage strategy carefully; consider fixed-rate options if stability is a priority or refinancing if projected savings exceed associated fees.For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.
Zillow National Average
As of September 25, 2026, mortgage rates are mixed for Jumbo loans. The 15-Year Fixed Rate Jumbo is at 6.974%, up by 2 basis points from yesterday and 85 basis points higher than a month ago. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 7.148%, increasing by 1 basis point from the previous day and reflecting a rise of 67 basis points over the past month. These shifts indicate that borrowing costs are climbing, which may influence potential homebuyers to consider locking in rates sooner rather than later, particularly with the 15-Year Fixed Rate Jumbo offering the lowest current rate.
Federal Reserve Economic Trends
As of September 25, 2026, breakeven inflation rates suggest stable inflation expectations, impacting mortgage rates and borrowing costs. The Mortgage 30Yr Jumbo Average Rates saw the largest 7-day change, increasing by 0.22 points, while the Mortgage 30Yr Va Average Rates rose by 0.66 points over the past 30 days, indicating a growing cost of borrowing for borrowers. Currently, the lowest mortgage rate is for the 15-Year Average Rate at 6.420. With these trends, potential homebuyers should closely monitor these rates and consider locking in lower rates before further increases occur.
LendMesh
At LendMesh, we believe everyone deserves a mortgage experience that’s transparent, supportive, and tailored to their needs. That’s why we’ve built a platform that does more than just list rates—it empowers you with financial knowledge, trusted lender connections, and honest answers. Whether you’re comparing credit unions or banks, planning your next move, or just starting to think about homeownership, our tools and resources are designed with you in mind. Don’t let uncertainty hold you back—visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans to discover how easy, informative, and rewarding the mortgage process can be.
Conclusion
Even small changes in mortgage rates can add up over time. A rise of just a few basis points might not seem like much day to day, but it can increase your monthly payment by tens or hundreds of dollars and add thousands to your interest costs over the life of a loan. As you consider refinancing or buying, weigh these shifts carefully, the lowest available 15-year fixed refinance rate remains at 5.25%, providing an attractive option for those aiming to pay off their homes faster. Keep an eye on jumbo loans if your needs are larger since those rates are inching upward. Staying informed helps you make choices that fit your budget and long-term goals without rushing into decisions based on fleeting market moves.