Introduction
On September 29, 2026, mortgage rates are showing mixed movement but still offer opportunities for savvy homebuyers and investors. The lowest rate today comes from Credit Union 1 with a 5.5% 15-year VA fixed purchase loan, a solid option for veterans aiming to balance shorter terms with manageable payments. Meanwhile, Zillow reports rising jumbo rates now above 7%, signaling higher costs on luxury purchases. Inflation expectations remain steady but nudging slightly higher, hinting at cautious optimism in the broader economy. Here’s what you need to know before locking in a rate: whether you’re eyeing a VA loan or juggling jumbo options, understanding these shifts can help you save thousands over time.
At a glance
New Purchase - VA 15 yrs Fixed
| Lender | 2026-09-29 Current | 2026-09-22 7 Days Ago | 2026-09-14 15 Days Ago | 2026-08-30 30 Days Ago | 2026-08-15 45 Days Ago | 2026-07-31 60 Days Ago | 2026-07-01 90 Days Ago | 2026-04-02 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CREDIT UNION 1 CREDIT UNIONLOWEST | 5.50% | 5.50% | 5.50% | N/A | 5.50% | 5.25% | 5.13% | 5.13% |
| GOLDENWEST FEDERAL CREDIT UNION | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% | 6.13% |
| NAVY FEDERAL CREDIT UNION | 6.13%▲ 38 bps | 5.75% | 5.50% | 5.38% | 5.38% | 5.50% | 5.25% | 5.25% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 6.13%▲ 25 bps | 5.88% | 5.38% | 5.25% | 5.25% | 5.25% | 5.13% | 5.13% |
| WHATCOM EDUCATIONAL CREDIT UNION | 6.25%▲ 25 bps | 6.00% | 5.88% | 5.50% | 5.50% | 5.50% | 5.38% | 5.25% |
| ENT CREDIT UNION | 6.38%▲ 38 bps | 6.00% | 5.88% | 5.50% | 5.63% | 5.63% | 5.25% | 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 - VA 30 yrs Fixed
| Lender | 2026-09-29 Current | 2026-09-22 7 Days Ago | 2026-09-14 15 Days Ago | 2026-08-30 30 Days Ago | 2026-08-15 45 Days Ago | 2026-07-31 60 Days Ago | 2026-07-01 90 Days Ago | 2026-04-02 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| CREDIT UNION 1 CREDIT UNIONLOWEST | 5.88% | 5.88% | 5.88% | N/A | 5.88% | 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% |
| FIRST COMMUNITY CREDIT UNION | 6.49%▲ 12 bps | 6.38% | 5.99% | 5.99% | 5.99% | 5.99% | 5.63% | 5.88% |
| AVADIAN CREDIT UNION | 6.50% | 6.50% | 6.25% | 5.88% | 6.13% | 6.13% | 5.63% | 5.88% |
| NAVY FEDERAL CREDIT UNION | 6.63%▼ 75 bps | 7.38% | 7.00% | 5.75% | 6.88% | 5.88% | 5.63% | 6.75% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 6.75%▲ 50 bps | 6.25% | 5.99% | 5.88% | 5.75% | 5.75% | 5.63% | 5.63% |
| ENT CREDIT UNION | 6.88%▲ 38 bps | 6.50% | 6.38% | 6.00% | 6.13% | 6.13% | 5.75% | 5.88% |
| GOLDENWEST FEDERAL CREDIT UNION | 6.88%▲ 38 bps | 6.49% | 6.38% | 5.99% | 5.99% | 5.99% | 5.88% | 5.62% |
| WHATCOM EDUCATIONAL CREDIT UNION | 7.00%▲ 25 bps | 6.75% | 6.75% | 6.25% | 6.25% | 6.38% | 6.13% | 6.00% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
AVADIAN CREDIT UNION
On September 29, 2026, the 30-Year VA Fixed Purchase mortgage rate remains steady at 6.5%, showing no change over the past 7 days but an increase of 62.5 basis points compared to 30 days ago. This rise in rates reflects a higher cost of borrowing for veterans seeking to purchase homes with government-backed financing. While stability over the last week may ease short-term budgeting, the month-over-month increase suggests that locking in a fixed rate now could benefit those prioritizing payment predictability. Veterans and first-time buyers should assess their mortgage strategy carefully; consider fixed-rate options if you value long-term stability or evaluate refinancing opportunities if current savings surpass associated costs. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.
COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNION
As of September 29, 2026, the 30-year fixed VA purchase mortgage rate at Community Credit Union of Florida remains steady at 6.125%, unchanged over the past week and month. This consistency indicates stable yield spreads and borrowing costs for veterans seeking long-term financing. While rates are elevated compared to six months ago, they have plateaued recently, providing predictability for budgeting purposes. Veterans considering home purchases can benefit from locking in these fixed rates to avoid potential future increases in borrowing costs. Given the current rate environment, members should evaluate their mortgage strategies carefully; those valuing payment stability may prefer fixed-rate options, while refinancing should be considered if anticipated savings exceed associated costs.For details, visit https://www.ccuflorida.org/home/rates/mortgage.
CREDIT UNION 1 CREDIT UNION
As of September 29, 2026, 15-year VA Loans hold the lowest rate at 5.5%, unchanged over the past week, indicating stable yield spreads for veterans seeking shorter-term financing. The 30-year VA Loans remain steady at 5.875%, reflecting no recent movement in long-term borrowing costs. These stable rates suggest predictable monthly payments for veteran homebuyers prioritizing fixed-rate security. First-time buyers and those evaluating their mortgage strategy should note that with no basis point changes this week, market volatility is limited; thus, locking in a fixed-rate loan may mitigate future interest risk. Members considering refinancing can assess whether current fixed VA rates align with their financial goals, especially if their existing loans carry higher yields. For details, visit https://www.cu1.org/rates#real-estate-rates.
ENT CREDIT UNION
As of September 29, 2026, VA purchase rates have experienced notable upward shifts. The 15-Year Fixed VA loan rose by 37.5 basis points over the past week to a rate of 6.375%, marking its lowest recent term rate compared to the 30-year option. Similarly, the 30-Year Fixed VA loan increased by 37.5 basis points in the last seven days, now at 6.875%, reflecting a widening yield spread between shorter and longer terms.These rate increases elevate the cost of borrowing for veterans and active-duty members seeking to purchase homes, particularly impacting those prioritizing long-term stability versus shorter payoff horizons. First-time buyers may find the higher rates increase monthly payments, while those with stronger cash flow might evaluate whether a shorter-term loan offers better overall interest savings despite higher initial costs.Members should consider fixed-rate options if stability is a priority and evaluate refinancing only if potential savings outweigh closing costs amid these rising rates. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
FIRST COMMUNITY CREDIT UNION
On September 29, 2026, the 30-year Fixed VA Purchase mortgage rate at FIRST COMMUNITY rose to 6.49%, marking an increase of 11.5 basis points compared to one week ago and 50 basis points higher than a month prior. This upward movement reflects tightening yield spreads and increased borrowing costs for veterans seeking purchase loans. For veteran homebuyers, this trend signals a higher monthly payment burden than in previous weeks. Given these fluctuations, members should evaluate their financing strategies carefully; those prioritizing payment stability may consider locking in rates promptly. Additionally, it is prudent to reassess refinancing opportunities if potential savings outweigh transaction costs under current market conditions. For details, visit https://fccu.org/rates/home-loan-rates.
GOLDENWEST FEDERAL CREDIT UNION
As of September 29, 2026, 15 Year Fixed VA Mortgage rates remain steady at 6.125%, unchanged over the past week and month, reflecting stable borrowing costs for veterans seeking shorter-term financing. Meanwhile, the 30 Year Fixed VA Mortgage rate increased by 38.5 basis points week-over-week to 6.875%, marking its highest level in three months with a significant rise of 88.5 basis points compared to 30 days ago. This upward movement suggests higher yield spreads on longer-term fixed loans, impacting veterans prioritizing extended payment terms.Members considering long-term purchase loans should weigh the rising cost of borrowing on 30-year terms against the predictability of shorter 15-year options, which currently offer the lowest rates available today. Evaluate your mortgage strategy carefully; consider fixed-rate products if rate stability aligns with your financial goals.For details, visit https://www.gwcu.org/rates/homeloans.
NAVY FEDERAL CREDIT UNION
As of September 29, 2026, VA 15 Year Fixed Purchase rates have increased by 37.5 basis points to 6.125%, marking a notable rise in short-term fixed mortgage yields compared to last week and a 75 basis points increase from 30 days ago. This shift raises the cost of borrowing for veterans seeking quicker loan payoff schedules. Conversely, the VA 30 Year Fixed Purchase rate has declined by 75 basis points over the past week to 6.625%, representing a significant reduction in long-term fixed mortgage costs despite being slightly higher than a month ago by 87.5 basis points. These movements suggest that borrowers prioritizing payment stability might find the longer-term VA 30-year option more cost-effective recently, while those favoring shorter terms face rising rates.Members should carefully evaluate their mortgage strategy, considering fixed-rate options if stability is essential or refinancing if potential savings outweigh transaction costs.For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of September 29, 2026, fixed-rate mortgage products show notable yield spread increases at Potlatch No. 1 Financial. The 15-Year Fixed Purchase loan rate rose by 25 basis points to 6.125%, marking a 0.875 percentage point increase over the past 30 days. Similarly, the 30-Year Fixed Purchase loan rate climbed by 50 basis points to 6.75%, also reflecting a 0.875 percentage point rise month-over-month.These upward shifts in borrowing costs impact members considering home purchases or refinancing. Borrowers prioritizing payment stability may find the 15-Year Fixed option at 6.125%, the lowest rate today, suitable for reducing long-term interest expenses despite higher monthly payments. Meanwhile, those opting for longer terms face increased rates that could affect affordability and total interest paid.Members should evaluate their mortgage strategy carefully; with rising fixed rates, it may be prudent to assess refinancing feasibility only if projected savings outweigh closing costs.For details, visit https://www.p1fcu.org/personal/mortgage-rates.
WHATCOM EDUCATIONAL CREDIT UNION
As of September 29, 2026, VA 15-Year Fixed and VA 30-Year Fixed Purchase mortgage rates have increased by 25 basis points compared to one week ago. The 15-year VA fixed rate now stands at 6.25%, the lowest among today’s options, up from 6.0% last week. Similarly, the 30-year VA fixed rate rose to 7.00%, reflecting a notable rise in the cost of borrowing for longer-term commitments.These shifts imply higher monthly payments for veterans and other eligible borrowers pursuing VA purchase loans, particularly impacting those prioritizing long-term financial planning. The upward yield spread suggests a tightening borrowing environment; members should carefully assess their ability to absorb increased interest expenses.Given this trend, members may want to consider fixed-rate options if they value payment stability despite rising rates or evaluate alternative strategies to mitigate borrowing costs. For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of September 29, 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 stands at 7.072%, up by 11 basis points from yesterday and rising 33 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo is slightly higher at 7.268%, with a minimal increase of 1 basis point today and a rise of 27 basis points over the last week. Borrowers may find that these upward trends indicate a higher cost of borrowing, making it essential to evaluate loan options carefully in light of these changes.
Federal Reserve Economic Trends
Recent economic indicators show that Breakeven Inflation Rates for both 10 years and 5 years are stable at 2.340% and 2.330%, respectively, reflecting steady inflation expectations. However, mortgage rates have seen significant shifts; the 30-Year Average Rates dropped by 6.66 points over the past month, marking the largest change, while 30-Year Jumbo Average Rates increased by 0.32 points in the last week. The current lowest mortgage rate observed is 6.917% for 30-Year USDA loans. Borrowers should be aware of these fluctuations as they affect borrowing costs and overall affordability in a changing economic landscape. It is advisable to stay informed on these trends for better financial decision-making.
LendMesh
Imagine shopping for a home loan with total peace of mind, knowing you’re comparing the latest mortgage rates and programs from trusted banks and credit unions. That’s what LendMesh is all about. We combine years of advisor experience, real user feedback, and clear rate comparisons to help you navigate today’s fast-changing market. Whether you’re buying your first home, moving up, or refinancing, you’ll find straightforward advice and practical calculators to guide you. See what’s new on our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans your go-to source for smart, simple mortgage guidance.
Conclusion
As rates inch upward across many programs, even small changes like a quarter-point increase can add significant costs over 15 or 30 years. For buyers and refinancers, locking in a competitive VA 15-year fixed loan at 5.5% could mean lower monthly payments and less interest paid overall compared to today's jumbo or conventional offerings. Keep an eye on inflation trends too; they often signal where rates might head next. If your goal is long-term stability, consider shorter-term fixed loans that may offer better value despite slightly higher monthly payments. Staying informed and acting thoughtfully will keep your financial footing strong as the market evolves, because every basis point counts in your homeownership journey.