Best mortgage rates in Texas this week
Current posted rates from credit unions Texas residents can join, with APR, points, and eligibility shown. Borrower comparisons will appear as quotes are contributed.
Data as of 5d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Sundays).
30-yr rates in Texas over time
best available ▲ 0.75 since Aug 10Credit union posted rates Texas residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
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Payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $245,000 loan · held 5 yrs| Credit union | Rate | This week | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|---|
| Navy Federal Credit Unionjoin → | 7.000% | ▼ 0.75 | 0.88 | Conventional · 30-yr | $99,955 | best |
| PenFed Credit Unionjoin → | 7.000% | flat | 1.13 | Conventional · 30-yr | $100,568 | +$613 |
| Connexus Credit Unionjoin → | 7.125% | ▼ 0.125 | 1 | Conventional · 30-yr | $101,487 | +$1,531 |
| TEXAS DOW EMPLOYEES Credit Union | 7.380% | ▲ 0.13 | 0 | Conventional · 30-yr | $101,579 | +$1,624 |
| Digital Federal CU (DCU)join → | 7.625% | ▼ 0.25 | 0 | Conventional · 30-yr | $104,046 | +$4,090 |
| SECURITY SERVICE Credit Unionjoin → | 7.875% | flat | 0 | Conventional · 30-yr | $106,585 | +$6,630 |
| Randolph-Brooks Federal Credit Unionjoin → | 8.125% | ▲ 0.125 | 0 | Conventional · 30-yr | $109,147 | +$9,192 |
Conventional
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.000% | ▼ 0.75 | 7.189% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 7.000% | flat | 7.192% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
| 7.125% | ▼ 0.125 | 7.289% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 5d ago |
| 7.380% | ▲ 0.13 | 7.520% | 30y | 0 | TEXAS DOW EMPLOYEES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.625% | ▼ 0.25 | 7.748% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.875% | flat | 7.958% | 30y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 8.125% | ▲ 0.125 | 8.224% | 30y | 0 | Randolph-Brooks Federal Credit Union | Open to military, DoD, and anyone living or working in select TX counties (plus family of members) | 5d ago |
| 6.250% | flat | 6.538% | 15y | 0 | Randolph-Brooks Federal Credit Union | Open to military, DoD, and anyone living or working in select TX counties (plus family of members) | 5d ago |
| 6.375% | flat | 6.635% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 5d ago |
| 6.375% | ▲ 0.125 | 6.614% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 6.880% | ▲ 0.13 | 7.080% | 15y | 0 | TEXAS DOW EMPLOYEES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.000% | flat | 7.193% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.375% | flat | 7.501% | 15y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 5.875% | flat | 6.271% | 10y | 0 | Randolph-Brooks Federal Credit Union | Open to military, DoD, and anyone living or working in select TX counties (plus family of members) | 5d ago |
| 6.875% | ▼ 0.25 | 7.087% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 5d ago |
| 7.000% | flat | 7.270% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.250% | flat | 7.424% | 10y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 7.500% | ▼ 0.125 | 7.658% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.750% | flat | 7.855% | 20y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
FHA · 4 rates
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.500% | flat | 7.441% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
| 7.000% | ▲ 0.12 | 8.860% | 30y | 0 | TEXAS DOW EMPLOYEES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.500% | flat | 7.792% | 30y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 7.250% | flat | 7.710% | 15y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
VA · 6 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.625% | ▼ 1 | 7.098% | 30y | 0.75 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 6.625% | flat | 6.917% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
| 7.000% | ▲ 0.12 | 7.500% | 30y | 0 | TEXAS DOW EMPLOYEES Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 5d ago |
| 7.125% | flat | 7.468% | 30y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 6.250% | ▲ 0.125 | 6.961% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 6.875% | flat | 7.422% | 15y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
Jumbo · 11 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.125% | ▲ 0.125 | 7.255% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 5d ago |
| 7.250% | ▼ 0.875 | 7.441% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 7.500% | ▼ 0.125 | 7.512% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.875% | flat | 7.917% | 30y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 6.875% | ▲ 0.125 | 7.118% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 5d ago |
| 7.000% | flat | 7.019% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.375% | flat | 7.437% | 15y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 7.000% | flat | 7.027% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.250% | flat | 7.336% | 10y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
| 7.375% | ▼ 0.125 | 7.391% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 5d ago |
| 7.750% | flat | 7.803% | 20y | 0 | SECURITY SERVICE Credit Union | Open to military, DoD civilians, and anyone living or working in select counties across TX, CO, and UT | 5d ago |
What would you pay at Texas’s best rate?
At 7.000% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
What to know about getting a mortgage in Texas
Texas pairs a high property-tax rate with expensive insurance (hail statewide, wind on the coast), so a “cheap” $305K house can carry $700+/month in escrow before principal and interest. Texas also has unique home-equity lending rules (the 80% “A6” cap) that affect cash-out refinancing later — something to know before you buy, not after.
The 2026 conforming loan limit in most Texas counties is $832,750 for a single-family home (designated high-cost counties go higher). Loans above that are jumbo — expect tighter underwriting and different pricing.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
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Frequently asked: mortgages in Texas
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Texas right now?+
The lowest conventional 30-year rate we're tracking in Texas this week that anyone can join is 7.000% from PenFed Credit Union, 0.40% below the U.S. average of 7.400%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type. Credit unions with restricted membership (military or employer-based) sometimes post lower; those are listed below with their eligibility.
How much do you need to put down for a house in Texas?+
The median home price in Texas is about $305,000, so 20% down is roughly $61,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can Texas residents join for a mortgage?+
Texas residents can currently get posted mortgage rates from Navy Federal Credit Union, PenFed Credit Union, Connexus Credit Union, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does Texas have?+
Texas's housing finance agency is the Texas Department of Housing and Community Affairs. My First Texas Home offers below-market rates with down-payment assistance up to 5% of the loan amount. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in Texas?+
For most Texas counties the 2026 conforming loan limit is $832,750 for a single-family home (designated high-cost counties go higher). Loans above the limit are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in Texas?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real Texas residents, and credit-union rates are copied straight from each lender's public rate sheet.
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