Introduction
On September 30, 2026, mortgage rates are holding steady with some subtle shifts that could shape your homebuying or refinancing plans. If you’re eyeing a purchase, the lowest rate today is 6.125% for a 15-year FHA fixed loan at Altura Credit Union, offering a solid option for those looking to build equity faster without extra points. Zillow’s data shows a slight rise in jumbo loans, with the 30-year fixed jumbo rate climbing to 7.332% over the past week. Meanwhile, inflation expectations remain calm, suggesting steady borrowing costs ahead. Here’s what you need to know before locking in a rate, whether you’re buying your first home or considering a refinance to lower monthly payments.
At a glance
New Purchase - FHA 15 yrs Fixed
| Lender | 2026-09-30 Current | 2026-09-23 7 Days Ago | 2026-09-15 15 Days Ago | 2026-08-31 30 Days Ago | 2026-08-16 45 Days Ago | 2026-08-01 60 Days Ago | 2026-07-02 90 Days Ago | 2026-04-03 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| ALTURALOWEST | 6.13% | 6.13% | 6.13% | 6.63% | 6.63% | 6.63% | 6.63% | 6.75% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNIONLOWEST | 6.13%▲ 38 bps | 5.75% | 5.38% | 5.25% | 5.25% | 5.38% | 5.25% | 4.99% |
| RALLY CREDIT UNIONLOWEST | 6.13% | 6.13% | N/A | N/A | 6.13% | 5.75% | N/A | N/A |
| SCHOOLSFIRST FEDERAL CREDIT UNION | 6.25%▲ 25 bps | 6.00% | 5.88% | 5.63% | 5.63% | 5.63% | 5.63% | 5.38% |
| ENT CREDIT UNION | 6.38%▲ 38 bps | 6.00% | 6.00% | 5.50% | 5.63% | 5.63% | 5.25% | 5.25% |
| GOLDENWEST FEDERAL CREDIT UNION | 6.63%▲ 38 bps | 6.25% | 6.00% | 5.50% | 5.49% | 5.63% | N/A | 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 - FHA 30 yrs Fixed
| Lender | 2026-09-30 Current | 2026-09-23 7 Days Ago | 2026-09-15 15 Days Ago | 2026-08-31 30 Days Ago | 2026-08-16 45 Days Ago | 2026-08-01 60 Days Ago | 2026-07-02 90 Days Ago | 2026-04-03 180 Days Ago |
|---|---|---|---|---|---|---|---|---|
| COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNIONLOWEST | 6.13% | 6.13% | 6.13% | 6.13% | 6.00% | 6.00% | 6.00% | 6.00% |
| AVADIAN CREDIT UNION | 6.38% | 6.38% | 6.38% | 5.88% | 6.00% | 6.00% | 5.63% | 5.75% |
| SELCO COMMUNITY CREDIT UNION | 6.50% | 6.50% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% | 5.88% |
| GOLDENWEST FEDERAL CREDIT UNION | 6.75%▲ 38 bps | 6.38% | 6.38% | 5.88% | 5.88% | 5.88% | N/A | 5.49% |
| POTLATCH NO. 1 FINANCIAL CREDIT UNION | 6.75%▲ 50 bps | 6.25% | 5.99% | 5.88% | 5.88% | 5.88% | 5.75% | 5.63% |
| ENT CREDIT UNION | 6.88%▲ 38 bps | 6.50% | 6.50% | 6.00% | 6.13% | 6.13% | 5.75% | 5.88% |
| ALTURA | 7.13% | 7.13% | 7.13% | 6.99% | 6.99% | 6.99% | 6.88% | 6.88% |
| SCHOOLSFIRST FEDERAL CREDIT UNION | 7.13%▲ 38 bps | 6.75% | 6.63% | 6.38% | 6.38% | 6.38% | 6.13% | 6.13% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
ALTURA FEDERAL CREDIT UNION
As of September 30, 2026, ALTURA reports stable mortgage rates for key purchase programs. The 15 Year FHA Fixed loan remains at a competitive 6.125%, holding steady over the past week and marking a notable 50 basis points decline from 30 days ago. This reduction lowers the cost of borrowing for buyers seeking shorter-term financing with government backing. Conversely, the 30 Year FHA Fixed rate is unchanged at 7.125% compared to last week but reflects a modest increase of 13.5 basis points over 30 days, slightly raising yield spreads for long-term borrowers.First-time homebuyers may find the lower 15-year FHA rate attractive for accelerated equity building, while those prioritizing stable monthly payments might weigh the recent uptick in 30-year costs. Members should carefully evaluate whether fixed-rate options align with their financial goals, especially given these nuanced shifts.Consider reviewing your mortgage strategy and refinancing alternatives if potential savings exceed transaction costs. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.
AVADIAN CREDIT UNION
On September 30, 2026, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 6.375%, unchanged from one week ago but up by 50 basis points compared to 30 days prior. This rise in yield spreads increases the cost of borrowing for first-time homebuyers relying on government-backed FHA loans. Stability over the past week may assist members planning new purchases in assessing fixed-rate options without sudden rate volatility. Given this sustained level above recent lows, members should carefully evaluate their mortgage strategy, particularly if locking in long-term affordability is a priority. Consider refinancing only if potential savings exceed associated costs due to these elevated rates. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.
COMMUNITY CREDIT UNION OF FLORIDA CREDIT UNION
As of September 30, 2026, the FHA - 30 Year Fixed Purchase mortgage rate remains steady at 6.125%, showing no change over the past week or month. This stability in rates indicates consistent borrowing costs for first-time homebuyers and those utilizing government-backed financing options. With no recent shifts in yield spreads, members can anticipate predictable payment structures when choosing this fixed-rate product. For buyers prioritizing long-term rate certainty, maintaining awareness of these stable trends is crucial. Given the current environment, members should consider fixed-rate options if they value payment stability and evaluate whether locking in now aligns with their financial goals. For details, visit https://www.ccuflorida.org/home/rates/mortgage.
ENT CREDIT UNION
On September 30, 2026, FHA 15-Year Fixed Purchase rates increased by 37.5 basis points, rising to 6.375% from 6.0% a week ago. Similarly, the FHA 30-Year Fixed Purchase rate climbed by 37.5 basis points to 6.875%, up from 6.5% seven days prior. Compared to 30 days ago, both terms show a substantial increase of 87.5 basis points, reflecting wider yield spreads and higher borrowing costs over the past month.These rate shifts impact first-time buyers who typically favor FHA loans; higher fixed rates mean larger monthly payments and potentially reduced purchasing power. Borrowers should weigh the benefits of locking in current fixed rates versus adjustable alternatives if available. For those considering long-term financing stability, evaluating fixed-rate options remains prudent amid rising yields.Members are advised to analyze their mortgage strategy carefully; consider refinancing only if projected savings outweigh closing costs given current upward rate trends. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates
GOLDENWEST FEDERAL CREDIT UNION
As of September 30, 2026, 15 Year Fixed FHA Mortgage rates have increased by 37.5 basis points, reaching 6.625%, up from 6.25% a week ago and significantly higher compared to 5.5% thirty days prior. Similarly, the 30 Year Fixed FHA Mortgage rate rose by 37.5 basis points to 6.75%, reflecting a notable rise in the cost of borrowing over the past month.These yield spreads suggest increased borrowing costs for first-time homebuyers using government-backed FHA loans, potentially affecting affordability and monthly payments. Members considering new purchases should evaluate fixed-rate options for payment stability amid rising rates. Given this upward trend, those with existing FHA mortgages may want to assess refinancing only if potential savings outweigh closing costs.For details, visit https://www.gwcu.org/rates/homeloans.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of September 30, 2026, 15-Year Fixed Purchase mortgage rates stand at 6.125%, up 37.5 basis points from last week and increased by 87.5 basis points over the past 30 days. The 30-Year Fixed Purchase rate is currently 6.75%, rising 50 basis points in the last seven days and up 87.5 basis points month-over-month. These upward shifts in yield spreads indicate a higher cost of borrowing for fixed-rate mortgages, impacting affordability for new homebuyers and those locking long-term financing.Members seeking stability might consider the 15-Year Fixed option with its comparatively lower rate, while those aiming to minimize monthly payments face higher costs on the longer term. Evaluating your mortgage strategy is advisable; fixed-rate products remain suitable if you prioritize predictable payments despite recent increases. For members weighing refinancing, analyze whether potential savings offset these elevated rates.For details, visit https://www.p1fcu.org/personal/mortgage-rates.
RALLY CREDIT UNION
As of September 30, 2026, the FHA Purchase Refinance Fixed loan maintains a steady rate of 6.125% for terms between 15 and 30 years, unchanged from one week ago. This stability in yield spreads signals a consistent cost of borrowing for first-time homebuyers and those seeking government-backed financing options. Over the past 30 days, rates have increased by 37.5 basis points, indicating a gradual upward trend that may impact monthly payments and overall affordability.Members considering home purchases or refinancing under this program should evaluate fixed-rate options to secure predictable payments amid market fluctuations. Given the absence of rate movement in the last week, now is an opportune moment to assess mortgage strategies and refinancing viability, particularly if potential savings surpass associated costs.For details, visit https://rallycu.com/rates/loan-rates/#:~:text=Open%20Account-,Home%20Loan%20Rates,-As%20of%2006
SCHOOLSFIRST FEDERAL CREDIT UNION
As of September 30, 2026, FHA fixed-rate purchase loans show notable increases in borrowing costs. The 15-year FHA fixed rate rose to 6.25%, up by 25 basis points from last week and 62.5 basis points over the past month. Similarly, the 30-year FHA fixed rate increased to 7.125%, reflecting a sharper rise of 37.5 basis points weekly and 75 basis points monthly. These upward movements indicate a tightening yield spread environment, impacting affordability for first-time buyers relying on government-backed options.Members considering longer-term stability may weigh the higher cost implications on monthly payments, especially with the 30-year FHA fixed loan holding the highest current rates. Evaluating mortgage strategy now could involve comparing fixed terms against potential future adjustments or assessing refinancing opportunities if rates stabilize or decline.For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.
SELCO COMMUNITY CREDIT UNION
As of September 30, 2026, the 30 Year FHA Manufactured Home Purchase loan remains steady at a rate of 6.5%, unchanged from one week ago but up by 62.5 basis points compared to 30 days prior. This increase in yield spread indicates a higher cost of borrowing for members financing manufactured homes not on rented land. For first-time buyers relying on government-backed programs, this rate stability over the past week offers predictability, though the month-over-month rise suggests evaluating affordability carefully. Members considering fixed-rate options should note the current elevated rates relative to earlier periods and assess how these impact long-term payments. Given these dynamics, it is prudent to analyze your mortgage strategy and consider refinancing opportunities if potential savings exceed associated costs.For details, visit https://www.selco.org/loans/home-loans/purchase-a-home/.
Zillow National Average
As of September 30, 2026, mortgage rates for 15-Year Fixed Rate Jumbo loans are at 7.116%, a slight decrease of 1 basis point from yesterday. In contrast, the 30-Year Fixed Rate Jumbo has increased to 7.332%, marking an uptick of 2 basis points over the same period. Over the past week, the 30-Year Fixed Rate Jumbo has risen by 36 basis points, while the 15-Year Fixed Rate Jumbo saw a notable increase of 84 basis points in the last month. Borrowers may find these higher rates translate into increased costs of borrowing, particularly for longer-term loans. It is advisable to assess personal financial situations and consider locking in current rates before further fluctuations occur.
Federal Reserve Economic Trends
As of September 30, 2026, breakeven inflation rates remain stable at 2.350% for 10 years and 2.340% for 5 years, indicating steady inflation expectations. However, mortgage rates are experiencing notable fluctuations; the Mortgage 30Yr Average Rates have declined by 6.66 points over the past 60 days, while the Mortgage 30Yr Jumbo Average Rates have risen by 0.86 points in the last month. The lowest rate currently observed is the Mortgage 15Yr Average Rate, recorded at 0.000%. Borrowers should be aware that rising inflation expectations could lead to increased borrowing costs in the future. Monitoring these indicators can guide informed financial decisions regarding home financing strategies.
LendMesh
Homeownership can feel complicated, but with the right support, it becomes an exciting adventure. At LendMesh, we’ve created a one-stop platform for comparing mortgage rates, learning about loan options, and connecting with banks and credit unions that value your future. Our resources are written by real advisors who care about your goals, making it easier to ask questions and get clear, honest answers. No matter where you are in your homebuying journey, you’re welcome to start at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh is here to make home financing smarter, safer, and more personal—every single day.
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Conclusion
Even small increases in mortgage rates can add up over time, turning what seems like a minor change into hundreds of dollars more each month or thousands over the life of your loan. With many credit unions showing rate hikes around 0.375% for both 15- and 30-year FHA fixed loans, it’s wise to weigh your timing carefully. For buyers and refinancers alike, locking in a competitive FHA 15-year fixed rate at around 6.125% could mean saving on interest while building equity sooner. Keep an eye on inflation trends and national averages as they gently nudge rates upward; this insight helps you plan smarter and avoid surprises down the road. Whether you’re settling into a new home or reshaping your mortgage, focus on how these shifts affect your monthly budget and long-term goals before making your move.