Mortgage rates — week of October 4, 2026

By Conor Gaughan · Published October 4, 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

7.28%+0.25 vs last week

15-yr average

6.6%

8-week path (+0.61)

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 0.25 points this week to 7.28%. It is 0.61 points higher than eight weeks ago.

The lowest posted credit-union rate

Center Parc Credit Union posted 6.125%, 1.16 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 U.S. Bank, 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

Charter OAK Credit Union cut its posted 30-year rate by 1.00 points to 7.5%. In total, 63 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

6.125% · 6.333% APR

Center Parc Credit Union

GA · 0 pts · as of October 4, 2026

15-yr conventional

5.5% · 5.528% APR

Center Parc Credit Union

GA · 0 pts · as of October 4, 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 October 4, 2026

Jumbo 30-yr

5.625% · 8.333% APR

State Employees CU of Maryland, Inc

MD · 1.13 pts · as of October 4, 2026

The 30-yr conventional leaderboard

Best posted purchase rate per credit union, lowest first. The spread from best to worst is 1.88 points — that gap is the payoff for shopping around.

Lender	Who can join	Rate	APR	Points	As of
Center Parc Credit Union	GA	6.125%	6.333%	0 pts	2026-10-04
Credit Union 1	AK	6.375%	6.575%	0 pts	2026-10-04
Knoxville TVA Employees Credit Union	TN	6.5%	6.73%	0 pts	2026-10-04
Maine State Credit Union	ME	6.5%	6.553%	0 pts	2026-10-04
Langley Credit Union	VA	6.5%	6.5%	0 pts	2026-10-04
Fairwinds Credit Union	FL	6.625%	6.76%	0.73 pts	2026-10-04
Alliance Credit Union	MO	6.75%	6.889%	0 pts	2026-10-04
Municipal Credit Union	NY	6.75%	6.768%	0 pts	2026-09-27
Levo Credit Union	SD	6.75%	6.932%	0 pts	2026-09-27
Revity Credit Union	NC	6.875%	7.088%	0 pts	2026-10-04

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
U.S. Bank	bank	7.375%	7.524%	0.59 pts	+1.25
Wells Fargo	bank	7.5%	7.679%	1 pt	+1.38
Bank of America	bank	7.625%	7.845%	0.61 pts	+1.50

Who moved this week

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

Open to anyone

PenFed Credit Union+0.13 → 7%

Connexus Credit Union+0.13 → 7.25%

Digital Federal CU (DCU)+0.25 → 7.875%

By state

AZHughes Credit Union −0.13 → 7.625%; Mountain America Credit Union +0.13 → 7.25%; Desert Financial Credit Union +0.13 → 7.25%

CAStar ONE Credit Union +0.13 → 7.375%; Patelco Credit Union +0.25 → 7.5%; Mission Credit Union +0.38 → 7.5%

COENT Credit Union +0.13 → 7.5%; Security Service Credit Union +0.25 → 7.875%

CTCharter OAK Credit Union −1.00 → 7.5%

DCTower Credit Union +0.25 → 7.75%

DETidemark Credit Union +0.13 → 7%; Provident Credit Union +0.13 → 7.125%

FLFairwinds Credit Union −0.50 → 6.625%; Vystar Credit Union +0.25 → 7.25%; Space Coast Credit Union +0.50 → 7%

GAVystar Credit Union +0.25 → 7.25%; CDC Credit Union +0.38 → 7.375%

HIHawaii State Credit Union +0.13 → 7.25%

IDWestmark Credit Union −0.50 → 7.125%; Mountain America Credit Union +0.13 → 7.25%

ILCitizens Equity First Credit Union +0.13 → 7.5%; Landmark Credit Union +0.25 → 7.5%

INFort Financial Credit Union +0.13 → 7.625%; Elements Financial Credit Union +0.63 → 7.25%

KSEnvista Credit Union +0.13 → 7.375%

KYTranscend Credit Union +0.25 → 7.25%; L & N Credit Union +0.25 → 7.5%

MAJeanne D'arc Credit Union +0.12 → 6.99%; Webster First Credit Union +0.25 → 7.25%

MDTower Credit Union +0.25 → 7.75%

MEDowneast Credit Union +0.50 → 6.99%; Dirigo Credit Union +0.63 → 6.875%

MIMichigan State University Credit Union +0.13 → 7.25%; Wildfire Credit Union +0.13 → 7.5%

MNAffinity Plus Credit Union +0.38 → 7.375%

MOTogether Credit Union +0.13 → 7.5%

MSTriangle Credit Union +0.13 → 7.125%

MTMountain America Credit Union +0.13 → 7.25%

NCAllegacy Credit Union +0.25 → 7.625%

NHST. Mary's Bank Credit Union −0.13 → 7%

NJFirst Atlantic Credit Union +0.63 → 7.739%

NMMountain America Credit Union +0.13 → 7.25%

NVMountain America Credit Union +0.13 → 7.25%; America First Credit Union +0.13 → 7.25%

NYVisions Credit Union +0.13 → 7.625%; Municipal Credit Union +0.38 → 6.75%

OHBMI Credit Union +0.25 → 7.375%; Cinfed Credit Union +0.25 → 7.5%; Directions Credit Union +0.38 → 7.75%

OKTruity Credit Union +0.38 → 7.625%

OROnPoint Community CU +0.13 → 7.25%; MID Oregon Credit Union +0.50 → 7.375%

PAPolice & Fire Credit Union +0.25 → 7.75%; Citadel Credit Union +0.38 → 7.375%

SCBecu Credit Union +0.19 → 7.597%; REV Credit Union +0.25 → 7.25%

TNKnoxville TVA Employees Credit Union +1.00 → 6.5%

TXTexas DOW Employees Credit Union −0.50 → 7.25%; Security Service Credit Union +0.25 → 7.875%; Randolph-Brooks Federal Credit Union +1.00 → 8%

UTMountain America Credit Union +0.13 → 7.25%; America First Credit Union +0.13 → 7.25%; Goldenwest Credit Union +0.25 → 7.25%

VAChartway Credit Union +0.25 → 7%; Tower Credit Union +0.25 → 7.75%

VTEastrise Credit Union +0.50 → 7.125%

WAOnPoint Community CU +0.13 → 7.25%; Becu Credit Union +0.19 → 7.597%

WIGuardian Credit Union −0.13 → 7.25%; Co-op Credit Union +0.25 → 7.25%; University of Wisconsin Credit Union +0.38 → 7.5%

WYMountain America Credit Union +0.13 → 7.25%

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 →