Mortgage rates — week of August 3, 2026

Published August 9, 2026 · the same data pass behind our Monday newsletter and video. Every number was live on the site when published.

Freddie Mac 30-yr national average

6.69%+0.03 vs last week

15-yr average

6.01%

8-week path (+0.22)

Best posted rate, by loan type

Lowest purchase rate on any lender sheet we read this week, per product.

30-yr conventional

5.5% · 5.716% APR

Knoxville TVA Employees Credit Union

TN · 0 pts

15-yr conventional

5% · 5.02% APR

Center Parc Credit Union

GA · 0 pts

FHA 30-yr

5.75% · 6.648% APR

PenFed Credit Union

open to anyone · 1.13 pts

VA 30-yr

5.75% · 6.051% APR

PenFed Credit Union

open to anyone · 1.25 pts

Jumbo 30-yr

6.125% · 6.187% APR

Fairwinds Credit Union

FL · 0.49 pts

The 30-yr conventional leaderboard

Best posted purchase rate per credit union, lowest first. The spread from best to worst is 1.50 points — that gap is the payoff for shopping around.

Lender	Who can join	Rate	APR	Points	As of
Knoxville TVA Employees Credit Union	TN	5.5%	5.716%	0 pts	2026-08-09
Center Parc Credit Union	GA	5.625%	5.638%	0 pts	2026-08-09
Langley Credit Union	VA	5.875%	6.128%	0 pts	2026-08-09
Hawaii State Credit Union	HI	6%	6.153%	0.63 pts	2026-08-09
Navy Federal Credit Union	military-only	6.125%	6.28%	0.63 pts	2026-08-09
Chartway Credit Union	VA	6.25%	6.68%	0 pts	2026-08-09
Transcend Credit Union	KY	6.25%	6.25%	0 pts	2026-08-09
Revity Credit Union	NC	6.25%	6.452%	0 pts	2026-08-09
Space Coast Credit Union	FL	6.25%	6.337%	0 pts	2026-08-09
PenFed Credit Union	open to anyone	6.25%	6.434%	1.13 pts	2026-08-09

Live version, filterable by your state: rateperch.com/credit-unions

Big banks, for comparison

Posted 30-yr conventional at the major banks, against the best credit union above.

Lender	Who can join	Rate	APR	Points	vs best CU
Wells Fargo	bank	6.5%	6.669%	1 pt	+1.00
U.S. Bank	bank	6.625%	6.807%	0.99 pts	+1.13
Bank of America	bank	6.75%	6.98%	0.82 pts	+1.25

Who moved this week

Changes of 0.05 or more against the same lender’s previous rate sheet.

Open to anyone

Navy Federal Credit Union−0.13 → 6.125%

Digital Federal CU (DCU)−0.13 → 6.375%

By state

AKCredit Union 1 +0.13 → 6.375%

AZDesert Financial Credit Union −0.13 → 6.5%; Arizona Central Credit Union −0.13 → 6.625%

CAPatelco Credit Union −0.25 → 6.625%; Schoolsfirst Credit Union −0.25 → 6.75%; Star ONE Credit Union −0.13 → 6.5%

COENT Credit Union −0.13 → 6.625%

CTCharter OAK Credit Union −0.13 → 6.625%

DCTower Credit Union −0.13 → 6.5%

FLVystar Credit Union −0.13 → 6.5%

GAVystar Credit Union −0.13 → 6.5%

ILCitizens Equity First Credit Union −0.13 → 6.625%

INEverwise Credit Union −0.13 → 6.75%

KSEnvista Credit Union −0.13 → 6.625%

MDState Employees CU of Maryland, Inc −0.13 → 6.375%; Tower Credit Union −0.13 → 6.5%

MEDirigo Credit Union +0.25 → 6.5%

MOTogether Credit Union −0.13 → 6.75%

NCAllegacy Credit Union −0.13 → 6.75%

NHST. Mary's Bank Credit Union +0.07 → 6.644%

NYBroadview Credit Union −0.13 → 6.625%

OHCinfed Credit Union −0.13 → 6.5%

PACitadel Credit Union −0.13 → 6.625%

SCBecu Credit Union −0.09 → 6.815%

TNAscend Credit Union +0.25 → 6.75%

VATower Credit Union −0.13 → 6.5%; Virginia Credit Union +0.13 → 6.875%

WABecu Credit Union −0.09 → 6.815%

WIUniversity of Wisconsin Credit Union −0.13 → 6.625%

What real borrowers got

No new borrower submissions were approved this week.

Got a quote this week? Add it to the dataset →

Next week’s report, before you think to look

This page updates every Monday. Get the same numbers in your inbox — or set a refi alert and we’ll only email when rates cross your number.

Methodology: posted rates are read weekly from lender rate pages (purchase, as-published, points shown); the national benchmark is Freddie Mac’s Primary Mortgage Market Survey. Snapshot frozen at publish time — for current numbers see your state’s page. Full methodology →