Best mortgage rates in Washington this week
Current posted rates from credit unions Washington residents can join, with APR, points, and eligibility shown. Borrower comparisons will appear as quotes are contributed.
Data as of 6d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Sundays).
30-yr rates in Washington over time
best available ▲ 0.75 since Aug 10Credit union posted rates Washington 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 · $480,000 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 | $195,831 | best |
| PenFed Credit Unionjoin → | 7.000% | flat | 1.13 | Conventional · 30-yr | $197,031 | +$1,200 |
| Connexus Credit Unionjoin → | 7.125% | ▼ 0.125 | 1 | Conventional · 30-yr | $198,831 | +$3,000 |
| OnPoint Community CUjoin → | 7.250% | flat | 0.5 | Conventional · 30-yr | $198,867 | +$3,036 |
| BECU Credit Unionjoin → | 7.520% | ▼ 0.077 | 0 | Conventional · 30-yr | $201,768 | +$5,937 |
| Digital Federal CU (DCU)join → | 7.625% | ▼ 0.25 | 0 | Conventional · 30-yr | $203,845 | +$8,013 |
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. | 6d 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. | 6d ago |
| 7.125% | ▼ 0.125 | 7.289% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 7.250% | flat | 7.365% | 30y | 0.5 | OnPoint Community CU | Open to anyone living, working, worshipping, or attending school in OR or select WA counties | 6d ago |
| 7.520% | ▼ 0.077 | — | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 6d ago |
| 7.625% | ▼ 0.25 | 7.748% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 6.375% | flat | 6.635% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 6.375% | ▲ 0.125 | 6.614% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 6.625% | flat | 6.799% | 15y | 0.5 | OnPoint Community CU | Open to anyone living, working, worshipping, or attending school in OR or select WA counties | 6d ago |
| 6.811% | ▼ 0.107 | — | 15y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 6d ago |
| 7.000% | flat | 7.193% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 6.875% | ▼ 0.25 | 7.087% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 7.000% | flat | 7.270% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.500% | ▼ 0.125 | 7.658% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
FHA · 2 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. | 6d ago |
| 7.769% | ▼ 0.342 | — | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 6d ago |
VA · 4 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. | 6d 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. | 6d ago |
| 7.235% | ▼ 0.345 | — | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 6d ago |
| 6.250% | ▲ 0.125 | 6.961% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
Jumbo · 8 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 |
|---|---|---|---|---|---|---|---|
| 7.107% | ▼ 0.114 | — | 30y | 0 | BECU Credit Union | Open to anyone living, working, worshipping, or attending school in WA (plus select SC counties and family of members) | 6d ago |
| 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. | 6d ago |
| 7.250% | ▼ 0.875 | 7.441% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.500% | ▼ 0.125 | 7.512% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 6.875% | ▲ 0.125 | 7.118% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.000% | flat | 7.019% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.000% | flat | 7.027% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.375% | ▼ 0.125 | 7.391% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
What would you pay at Washington’s best rate?
At 7.000% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
What to know about getting a mortgage in Washington
Washington pairs high Seattle-metro prices — where high-cost county loan limits apply — with low insurance premiums and a 1% cap on annual property-tax revenue growth that keeps escrow creep modest. BECU-style large state credit unions anchor an unusually competitive posted-rate market.
The 2026 conforming loan limit in most Washington 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 Washington
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Washington right now?+
The lowest conventional 30-year rate we're tracking in Washington 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 Washington?+
The median home price in Washington is about $600,000, so 20% down is roughly $120,000. 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 Washington residents join for a mortgage?+
Washington 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 Washington have?+
Washington's housing finance agency is the Washington State Housing Finance Commission. Home Advantage pairs a 30-year fixed mortgage with a 4–5% down-payment assistance second loan. 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 Washington?+
For most Washington 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 Washington?+
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 Washington residents, and credit-union rates are copied straight from each lender's public rate sheet.
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