Best 15-Year Fixed Mortgage Rates Today - June 2026 | As Low As 4.75%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 15-year fixed mortgage market includes offers such as MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Loves Park, IL 61073A+5.0 ★Texas Ratio: 2.61% offering 15 Year Fixed Rate at 4.75%, and First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA100 SWIFT ST, BOSTON, MA 02128 1864A+5.0 ★Texas Ratio: 2.65% offering 15 Year Fixed at 5.25%, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.19% offering 15-Year Fixed at 5.00%, and Regional Federal Credit UnionRegional Federal Credit Union10909 Randolph St, Hammond, IN 46307A+5.0 ★Texas Ratio: 4.25% offering 15 Year Fixed Mortgage at 4.99%, and Transcend Credit UnionTranscend Credit Union12104 Shelbyville Rd, Lexington, KY 40202A+5.0 ★Texas Ratio: 0.91% offering 15 Year Fixed at 5.25%.
A 15-year fixed mortgage dramatically accelerates your payoff timeline and slashes total interest paid compared to a 30-year loan — at the cost of a higher monthly payment. It is one of the most powerful wealth-building moves available to homeowners with stable income, allowing you to build equity faster and pay off your home in half the time.
15-Year Fixed Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: June 11, 2026
Compare 15-Year Fixed Mortgage Rates Today
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A $200,000.00 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,607.76 based on a 15 Year Fixed Rate at 5.250% with 2.125 points and 5.804% APR. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,249,125 for Honolulu, Kauai and Hawaii counties and $1,299,500 for Maui and Kalawao counties. Rates effective 6/3/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
APR: 5.804%
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0.25% RATE DISCOUNT
Up to 80% Loan to Value
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Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
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Annual Percentage Rate. APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 05/29/2026. Monthly payment example on $100,000.00, 15-year amortization results in 179 payments of $817.23. and a final payment of $811.90. Payment examples do not include taxes and insurance premiums. APR is based on <= 90% loan to value. For limited cash out refinance or purchase.
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Fixed Rates - 1 Point Option
Primary/Secondary Properties; Purchase Transactions; The interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history, property type and purpose of loan and may be different than the rates displayed here.
Primary/Secondary Properties; Refinance Transactions; The interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history, property type and purpose of loan and may be different than the rates displayed here.
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Mortgage rates are current as of May 27, 2026, and are subject to change at any time.
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Maximum Loan Amount: See note 1
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Rates are subject to change at anytime. The 15 to 20 year fixed interest rate has a cap of $500,000 and a minimum credit score of 670. Your loan's interest rate may be higher, subject to your credit score.
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Max LTV: <=80%
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Maximum Loan Amount: See note 1
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Fixed Rates - 0 Points Option
Origination Fee: $4,425
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Fixed Rate Mortgage
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required.
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Interest Rate
Interest Rate
APR: 5.843%
Rates shown are based on loan amounts of $200,000.
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First Mortgage - Primary Residence Only
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A 15-year fixed-rate mortgage with a 20% down payment, $280,000 loan amount and a 5.779% APR, will have 180 monthly payments of approximately $2,306.45. Taxes and insurance will increase the total monthly payment obligation.â€
Rates apply to owner occupied single family residential properties. Interest rates are locked in at time of receipt of signed disclosures and will hold for 45 days from acceptance of the commitment. Down payments less than 20% may be subject to higher rates.
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Loan Amounts: Up To $832,750
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Annual Percentage Rate
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20% Down on $200,000 Mortgage, 180 monthly payments of $1,660.82; Serviced by DMB
Rate & Term Refinance (No Cash-out) Loan. Monthly payments include principal and interest and do not include property taxes and insurance premiums. The actual payment will be greater.
The Mortgage Rates and Annual Percentage Rates (APRs) shown above are the current rates as of 06/04/2026 for a Rate & Term Refinance (No Cash-out) Loan with 360 monthly payments of $1,297.20 for 30 years and 180 monthly payments of $1,660.83 for 15 years. Monthly payments include principal and interest and do not include property taxes and insurance premiums. The actual payment will be greater. The rates and payments are based on the following assumptions: property is a single-family primary residence located in Cook County, IL based on a 30-day lock period, conforming loan amount of $200,000.00, a first lien position with a loan-to-value (LTV) of 80%, and a credit score of 780. Interest rate and program terms are subject to change without notice and may be subject to pricing adjustments related to loan type, property type, property location, occupancy type, loan amount, loan-to-value, credit score, refinance with cash out and other conditions. Your final rate, points, finance charges and costs may be higher or lower than those shown above based on information relating to these factors, which may be determined after you apply. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown above is based on the interest rate and any discount points. It does not take into account any other loan specific finance charges or costs that you may be required to pay. Loan approval is subject to credit approval and program guidelines. Property insurance is required, and flood insurance may be required. Mortgage insurance may be required depending upon loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. FNB Home Mortgage is a division of First Nations Bank NMLS #756040
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Fixed rate mortgages conforming loans up to $832,750. Plus Closing Cost.
180 payments of $1,245.62 at an interest rate of 5.750%
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As Low As; Estimated Payment: $2,906.44 per month for 15 years
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Rates and Terms are subject to credit approval.
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Monthly Principal & Interest Payments Based on $100,000 Loan: 180 equal and consecutive monthly payments of $830.41
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Payment* $1,236.08; PMI No
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Max LTV: <=90%
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Number of Monthly Payments: 180
Points: $2,800
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This is A Limited Time Offer
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As low as 5.880%
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Origination Fee: $1,425
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As Low As; Rate is for 15 Year Fixed.
Rates effective as of: 06/04/2026. Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. For jumbo rates you may contact us directly at 800-482-1043.
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As low as 5.948%
Discount: (0.125%)
Rate is as low as. Select Check All Mortgage Rates for Details.
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720 minimum credit score required.
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Rates may vary based on credit score, amount of equity and purpose of the loan. Rates are subject to change at any time.
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Information based on a mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate lock period. APR calculation assumes a $285,000 loan to borrower(s) with excellent credit (including minimum credit score of 770), with a 50% down payment. The estimated monthly payment schedule for this loan would be: 179 payments of $2,385.79 at an interest rate of 5.875%, 1 payment of $2,385.21 at an interest rate of 5.875%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to change without notice.
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The rate details shown assume the following: The property being purchased is located in Brookfield, Wisconsin and is a single family home to be used as a primary residence. The estimated value is $600,000, down payment is $180,000 and loan amount is $420,000. An escrow account may be required and, in that event, the actual monthly payment will also include an amount for real estate taxes. The standard rate lock period is 45 days and the assumed credit score is 780. Loan Amount: $420,000.00 Property Value: $600,000.00 Number of Payments 179 Payment Amount $3,532.86 Number of Payments 1 Payment Amount $3,532.63
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As Low As; **Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock.
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New LOWER Rates!
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Loan Amounts: Up To $250,000
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Interest Rate (As Low As) *
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Fixed rate mortgages conforming loans up to $832,750. Plus Closing Cost.
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Monthly payment estimates are based on single family, owner occupied, 760 credit score, purchase transaction, no secondary financing, non-condo, 30 day lock. Actual closing costs may be higher or lower depending on where the property is located.
payment example
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Loan Amounts: $832,751-$1,000,000
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Minimum Down Payment: 3%; Property Type: Owner Occupied 1-4 Family Residence
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Max LTV: <=90%
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Based on a $100,000 loan for the specified term
Rate with 20% down
As low as 6.074%
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RATES AS LOW AS
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For a $250,000 Loan
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
15-Year Fixed Mortgage Rate Trend
Daily national average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 15-year fixed rate fell 0.002 points over the past 7 days to 6.099%, down from 6.102% last week.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 15-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution. Rates are tracked daily from both banks and credit unions nationwide.
Nationwide Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and national online lenders. This breadth ensures you see competitive rates that many national rate surveys miss.
Time-Stamped for Full Transparency: Because 15-year fixed mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 15-Year Fixed Mortgage Rates
What is a 15-year fixed-rate mortgage?
How does a 15-year mortgage compare to a 30-year mortgage?
What is the monthly payment on a 15-year mortgage?
Who is a 15-year mortgage best suited for?
How does my credit score affect my 15-year mortgage rate?
Should I lock my 15-year mortgage rate?
What is the difference between interest rate and APR on a 15-year mortgage?
Should I pay mortgage points on a 15-year loan?
Can I refinance into a 15-year mortgage?
How are 15-year mortgage rates determined?
What are today's best 15-year fixed mortgage rates?
- MembersAlliance Credit Union: 4.75% (15 Year Fixed Rate)
- First Priority Credit Union Boston, MA: 5.25% (15 Year Fixed)
- First Citizens Federal Credit Union: 5.00% (15-Year Fixed)
- Regional Federal Credit Union: 4.99% (15 Year Fixed Mortgage)
- Transcend Credit Union: 5.25% (15 Year Fixed)
More Mortgage Rate Options
