Mortgage rates — week of August 10, 2026
By Conor Gaughan · Published August 10, 2026 · the same data pass behind our Sunday newsletter and video. Every number was live on the site when published.
What changed — and what to compare
A plain-language reading of this week’s frozen snapshot. We describe what the numbers show without guessing why markets moved.
The benchmark
Freddie Mac’s 30-year national average rose 0.03 points this week to 6.69%. It is 0.22 points higher than eight weeks ago.
The lowest posted credit-union rate
Aloha Pacific Credit Union posted 5.375%, 1.32 points below the national benchmark, at 1 point. It is subject to membership or geographic eligibility. Compare APR, fees, points, and eligibility before treating any headline rate as your likely quote.
The shopping gap
The lowest tracked big-bank rate was 6.625% at Wells Fargo, 1.25 points above the lowest credit-union rate. That spread is a reason to compare multiple Loan Estimates; the rate alone does not capture total loan cost.
The biggest lender move
Patelco Credit Union cut its posted 30-year rate by 0.25 points to 6.625%. In total, 23 tracked lenders moved by at least 0.05 points this week.
Best posted rate, by loan type
Lowest purchase rate active in our fresh-rate window when this snapshot was published, per product. Source dates are shown below.
The 30-yr conventional leaderboard
Best posted purchase rate per credit union, lowest first. The spread from best to worst is 1.63 points — that gap is the payoff for shopping around.
| Lender | Who can join | Rate | APR | Points | As of |
|---|---|---|---|---|---|
| Aloha Pacific Credit Union | HI | 5.375% | 5.569% | 1 pt | 2026-08-10 |
| Knoxville TVA Employees Credit Union | TN | 5.5% | 5.716% | 0 pts | 2026-08-10 |
| Center Parc Credit Union | GA | 5.625% | 5.638% | 0 pts | 2026-08-10 |
| Langley Credit Union | VA | 5.875% | 6.128% | 0 pts | 2026-08-10 |
| Hawaii State Credit Union | HI | 6% | 6.153% | 0.63 pts | 2026-08-10 |
| Navy Federal Credit Union | military-only | 6.125% | 6.28% | 0.63 pts | 2026-08-10 |
| Michigan State University Credit Union | MI | 6.25% | 6.445% | 1 pt | 2026-08-10 |
| PenFed Credit Union | open to anyone | 6.25% | 6.434% | 1.13 pts | 2026-08-10 |
| Dirigo Credit Union | ME | 6.25% | 6.332% | 0 pts | 2026-08-10 |
| Transcend Credit Union | KY | 6.25% | 6.25% | 0 pts | 2026-08-10 |
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 | 6.625% | 6.758% | 0.63 pts | +1.25 |
| U.S. Bank | bank | 6.625% | 6.767% | 0.59 pts | +1.25 |
| Bank of America | bank | 6.75% | 6.996% | 0.98 pts | +1.38 |
Who moved this week
Changes of 0.05 or more against the same lender’s previous rate sheet.
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 Sunday. 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 →