Mortgage rates — week of September 27, 2026

By Conor Gaughan · Published September 27, 2026 · the same data pass behind our Sunday newsletter and video. Every number was live on the site when published.

Freddie Mac 30-yr national average

7.03%+0.08 vs last week

15-yr average

6.42%

8-week path (+0.34)

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 0.08 points this week to 7.03%. It is 0.34 points higher than eight weeks ago.

The lowest posted credit-union rate

Knoxville TVA Employees Credit Union posted 5.5%, 1.53 points below the national benchmark, with no points. 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 7.375% at Wells Fargo, 1.88 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

Navy Federal Credit Union raised its posted 30-year rate by 1.13 points to 7.75%. In total, 70 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.

30-yr conventional

5.5% · 5.716% APR

Knoxville TVA Employees Credit Union

TN · 0 pts · as of September 27, 2026

15-yr conventional

5.25% · 5.614% APR

Knoxville TVA Employees Credit Union

TN · 0 pts · as of September 27, 2026

FHA 30-yr

6.25% · 6.66% APR

Levo Credit Union

SD · 0 pts · as of September 27, 2026

VA 30-yr

5.875% · 6.159% APR

Credit Union 1

AK · 0 pts · as of September 27, 2026

Jumbo 30-yr

5.875% · 8.017% APR

State Employees CU of Maryland, Inc

MD · 1 pt · as of September 27, 2026

The 30-yr conventional leaderboard

Best posted purchase rate per credit union, lowest first. The spread from best to worst is 3.00 points — that gap is the payoff for shopping around.

Lender	Who can join	Rate	APR	As of
Knoxville TVA Employees Credit Union	TN	5.5%	5.716%	2026-09-27
Center Parc Credit Union	GA	6.125%	6.333%	2026-09-27
Dirigo Credit Union	ME	6.25%	6.332%	2026-09-27
Credit Union 1	AK	6.375%	6.575%	2026-09-27
Space Coast Credit Union	FL	6.5%	6.589%	2026-09-20
Langley Credit Union	VA	6.5%	6.5%	2026-09-27
Maine State Credit Union	ME	6.5%	6.553%	2026-09-27
Municipal Credit Union	NY	6.75%	6.768%	2026-09-27
Chartway Credit Union	VA	6.75%	7.05%	2026-09-27
Levo Credit Union	SD	6.75%	6.932%	2026-09-27

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	7.375%	7.527%	2.4 pts	+1.88
U.S. Bank	bank	7.375%	7.525%	0.6 pts	+1.88
Bank of America	bank	7.5%	7.735%	0.77 pts	+2.00

Who moved this week

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

Open to anyone

PenFed Credit Union+0.25 → 6.875%

Connexus Credit Union+0.25 → 7.125%

Digital Federal CU (DCU)+0.25 → 7.625%

Navy Federal Credit Union+1.13 → 7.75%

By state

ALAvadian Credit Union +0.13 → 7.125%

AZDesert Financial Credit Union +0.13 → 7.125%; Mountain America Credit Union +0.25 → 7.125%; Hughes Credit Union +0.26 → 7.75%

CASchoolsfirst Credit Union +0.13 → 7%; Mission Credit Union +0.13 → 7.125%; Patelco Credit Union +0.25 → 7.25%

COENT Credit Union +0.25 → 7.375%; Security Service Credit Union +0.38 → 7.625%

CTCoastal1 Credit Union +0.25 → 7%; Charter OAK Credit Union +0.25 → 8.5%

DCTower Credit Union +0.38 → 7.5%

DETidemark Credit Union +0.13 → 6.875%; Provident Credit Union +0.13 → 7%

FLSpace Coast Credit Union −0.13 → 6.5%; Vystar Credit Union +0.25 → 7%; Fairwinds Credit Union +0.25 → 7.125%

GAVystar Credit Union +0.25 → 7%

HIHawaii State Credit Union +0.25 → 7.125%; HFS Credit Union +0.25 → 7.375%

IAAscentra Credit Union +0.75 → 7.375%

IDMountain America Credit Union +0.25 → 7.125%; Westmark Credit Union +0.75 → 7.625%

ILLandmark Credit Union +0.13 → 7.25%; Citizens Equity First Credit Union +0.25 → 7.375%

INFort Financial Credit Union +0.25 → 7.5%; Everwise Credit Union +0.25 → 7.5%; Elements Financial Credit Union +0.63 → 7.25%

KSEnvista Credit Union +0.25 → 7.25%

KYTranscend Credit Union +0.25 → 7%; Abound Credit Union +0.25 → 7.34%; L & N Credit Union +0.38 → 7.25%

MAWebster First Credit Union +0.13 → 7%; Coastal1 Credit Union +0.25 → 7%; Hanscom Credit Union +0.25 → 7.375%

MDState Employees CU of Maryland, Inc +0.25 → 7.125%; Tower Credit Union +0.38 → 7.5%

MEDowneast Credit Union +0.50 → 6.99%

MIWildfire Credit Union +0.25 → 7.375%; Michigan State University Credit Union +0.88 → 7.125%

MNBlaze Credit Union +0.13 → 7.375%; Affinity Plus Credit Union +0.38 → 7.375%

MOTogether Credit Union +0.25 → 7.375%

MSTriangle Credit Union +0.24 → 6.99%

MTMountain America Credit Union +0.25 → 7.125%

NCAllegacy Credit Union +0.25 → 7.375%

NHST. Mary's Bank Credit Union +0.38 → 7.125%

NMMountain America Credit Union +0.25 → 7.125%

NVMountain America Credit Union +0.25 → 7.125%; America First Credit Union +0.25 → 7.125%

NYBroadview Credit Union +0.13 → 7.25%; Visions Credit Union +0.25 → 7.5%; Municipal Credit Union +0.38 → 6.75%

OHBMI Credit Union +0.25 → 7.125%; Cinfed Credit Union +0.25 → 7.25%

OKTruity Credit Union −0.13 → 7.25%

ORMID Oregon Credit Union −0.13 → 6.875%; OnPoint Community CU +0.13 → 7.125%

PAAmerican Heritage Credit Union +0.13 → 7.055%; Police & Fire Credit Union +0.25 → 7.5%

RICoastal1 Credit Union +0.25 → 7%

SCBecu Credit Union +0.23 → 7.407%; REV Credit Union +0.50 → 7%; SRP Credit Union +0.63 → 7.25%

TXSecurity Service Credit Union +0.38 → 7.625%; Texas DOW Employees Credit Union +0.75 → 7.75%

UTGoldenwest Credit Union +0.25 → 7%; Mountain America Credit Union +0.25 → 7.125%; America First Credit Union +0.25 → 7.125%

VAVirginia Credit Union +0.25 → 7.25%; Tower Credit Union +0.38 → 7.5%

VT802 Credit Union +0.75 → 7.25%

WAOnPoint Community CU +0.13 → 7.125%; Becu Credit Union +0.23 → 7.407%

WICo-op Credit Union +0.13 → 7%; University of Wisconsin Credit Union +0.13 → 7.125%; Guardian Credit Union +0.38 → 7.375%

WYMountain America Credit Union +0.25 → 7.125%

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 →