Best 15-Year Fixed Mortgage Rates Today - May 2026 | As Low As 4.63%
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of lenders. Our editorial content is independent of any advertiser relationships.
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 HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.31% offering 15 Year Fixed Rate at 4.62%, and Members Community Credit UnionMembers Community Credit Union159 Colorado St, Muscatine, IA 52761A+5.0 ★Texas Ratio: 0.39% 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: May 21, 2026
Compare 15-Year Fixed Mortgage Rates Today
Lender
Product
Term
Rate ▲
APR
Profile
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate
15
4.75%
5.08%
▼
Rate4.75%
APR5.08%
Points1.000
UpdatedMay 20, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, BOSTON, MA 02128 1864
15 Year Fixed
5.25%
5.13%
▼
Rate5.25%
APR5.13%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1341 COVE RD, East Wareham, MA 02538
15-Year Fixed
5.00%
5.14%
▼
Rate5.00%
APR5.14%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI 96701
15 Year Fixed Rate
4.62%
5.19%
▼
Rate4.62%
APR5.19%
Points2.125
UpdatedMay 17, 2026
Details
No additional details available.
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA 52761
15-Year Fixed
15 Years
5.25%
5.22%
▼
Rate5.25%
APR5.22%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
10909 Randolph St, Hammond, IN 46307
15 Year Fixed Mortgage
15
4.99%
5.24%
▼
Rate4.99%
APR5.24%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Charlotte, NC 27612
15-Year Fixed
15-Year
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMay 17, 2026
Details
As Low As; Downpayment as low as* 5%; PMI
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12104 Shelbyville Rd, Lexington, KY 40202
15 Year Fixed
15 Year
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
13303 Hadley St, MONTEREY PARK, CA 90601
15-Year Fixed-Rate Mortgage
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate
15
5.12%
5.29%
▼
Rate5.12%
APR5.29%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, New Haven, CT 06511 5301
15 Year Fixed Mortgage
179
5.25%
5.31%
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
11899 New Halls Ferry Rd, Ellisville, MO 63011
15 Year Fixed
5.00%
5.32%
▼
Rate5.00%
APR5.32%
Points1.250
UpdatedMay 18, 2026
Details
No additional details available.
JTNB
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Broadway, Jim Thorpe, PA 18229
15 Year Fixed
15
5.25%
5.36%
▼
Rate5.25%
APR5.36%
Points0.000
UpdatedMay 17, 2026
Details
or 180 monthly payments
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
170 S Rainbow Blvd, Henderson, NV 89014
15-Year Fixed
5.25%
5.36%
▼
Rate5.25%
APR5.36%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
1008 Fremont St, Bakersfield, CA 93215
15-Year Fixed Rate
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
255 James Payton Blvd, Chelsea, AL 35043
15-Year Fixed Rate Mortgage 1st Mortgage Only
15
5.10%
5.37%
▼
Rate5.10%
APR5.37%
Points0.000
UpdatedMay 6, 2026
Details
Max LTV: ?80%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
10110 Reisterstown Rd, Baltimore, MD 21014 4170
15 Year Fixed
5.25%
5.39%
▼
Rate5.25%
APR5.39%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1105 Western Ave, Kronenwetter, WI 54449 4918
1st Mortgage: 15 Year Fixed
15 years
5.37%
5.40%
▼
Rate5.37%
APR5.40%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI 96701
15 Year Fixed Rate
5.12%
5.42%
▼
Rate5.12%
APR5.42%
Points0.375
UpdatedMay 17, 2026
Details
No additional details available.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT 06096
15 Year Fixed
5.25%
5.42%
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedMay 17, 2026
Details
As Low As; 60 DAY LOCK
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT 06096
15 Year Fixed Rate
5.25%
5.42%
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
111 Lower Mill Bay Rd, Anchorage, AK 99501 3411
15-Year Fixed First time Homebuyer
5.12%
5.44%
▼
Rate5.12%
APR5.44%
Points0.000
UpdatedMay 20, 2026
Details
Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
First-Time/Affordable Homebuyer Loan* 15 Year Fixed
5.00%
5.45%
▼
Rate5.00%
APR5.45%
Points2.000
UpdatedMay 21, 2026
Details
No additional details available.
JTNB
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Broadway, Jim Thorpe, PA 18229
15 Year Fixed
15
5.25%
5.45%
▼
Rate5.25%
APR5.45%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
15-year Fixed Rate
5.00%
5.46%
▼
Rate5.00%
APR5.46%
Points2.000
UpdatedMay 17, 2026
Details
No additional details available.
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
1560 Garrett Rd, Aston, DE 19014 1862
15-Year Fixed
5.38%
5.49%
▼
Rate5.38%
APR5.49%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
15 Year Fixed Conventional Primary Home
15
5.12%
5.50%
▼
Rate5.12%
APR5.50%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.12%
5.50%
▼
Rate5.12%
APR5.50%
Points1.750
UpdatedMay 17, 2026
Details
No additional details available.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
101 Pakaula St, Honolulu, HI 96707
Conventional 1st Mortgage 15 Year Fixed Rate
5.12%
5.50%
▼
Rate5.12%
APR5.50%
Points1.750
UpdatedMay 17, 2026
Details
No additional details available.
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 High St, Altoona, PA 15943
15-Year Fixed Rate
5.49%
5.50%
▼
Rate5.49%
APR5.50%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 High St, Altoona, PA 15943
15-Year Fixed Rate Biweekly Mortgage Loan
15
5.49%
5.50%
▼
Rate5.49%
APR5.50%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
15-year Fixed Rate
5.12%
5.51%
▼
Rate5.12%
APR5.51%
Points1.500
UpdatedMay 17, 2026
Details
No additional details available.
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1022 Ellis Hollow Rd, Cicero, NY 13039
15 Year Fixed
15 Year
5.50%
5.51%
▼
Rate5.50%
APR5.51%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1127 Ethan Allen Highway, Enosburg Falls, VT 05450
15 Year Fixed Rate
15
5.50%
5.54%
▼
Rate5.50%
APR5.54%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
First-Time/Affordable Homebuyer Loan* 15 Year Fixed
5.25%
5.54%
▼
Rate5.25%
APR5.54%
Points1.000
UpdatedMay 21, 2026
Details
No additional details available.
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
101 W Prospect Ave, Cleveland, OH 44070
15 Year Fixed-Rate Mortgage-Loan
15
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMay 17, 2026
Details
UP TO 85% LTV
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
15
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
15-year Fixed Rate
5.25%
5.56%
▼
Rate5.25%
APR5.56%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Ambler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1120 Meetinghouse Rd, Ambler, PA 19002
15 Year Fixed
15 Year
5.38%
5.56%
▼
Rate5.38%
APR5.56%
Points0.125
UpdatedMay 17, 2026
Details
No additional details available.
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
133 N Richmond St, Appleton, WI 54911 4635
15 Year Fixed
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedMay 20, 2026
Details
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 05/08/2026.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.25%
5.57%
▼
Rate5.25%
APR5.57%
Points1.375
UpdatedMay 17, 2026
Details
No additional details available.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
101 Pakaula St, Honolulu, HI 96707
Conventional 1st Mortgage 15 Year Fixed Rate
5.25%
5.57%
▼
Rate5.25%
APR5.57%
Points1.375
UpdatedMay 17, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
255 James Payton Blvd, Chelsea, AL 35043
15-Year Fixed Rate Mortgage 1st Mortgage Only
15
5.30%
5.57%
▼
Rate5.30%
APR5.57%
Points0.000
UpdatedMay 6, 2026
Details
Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Fishkill, NY 10566 2801
15 Year Fixed Rate
5.62%
5.57%
▼
Rate5.62%
APR5.57%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10161 W Grand Parkway, Cypress, TX 77040 6229
15 Year Fixed
5.38%
5.58%
▼
Rate5.38%
APR5.58%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10161 W Grand Parkway, Cypress, TX 77040 6229
Cash Out Refinances 15 Year Fixed
5.38%
5.58%
▼
Rate5.38%
APR5.58%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
1 South St, Baltimore, MD 21133 4706
15-year fixed rate
5.25%
5.58%
▼
Rate5.25%
APR5.58%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
10230 Two Notch Rd, Batesburg, SC 29006 2125
15 Year Fixed
5.38%
5.59%
▼
Rate5.38%
APR5.59%
Points0.000
UpdatedMay 7, 2026
Details
No additional details available.
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1005 South St, Norfolk, MA 02056
15 Year Fixed (Conforming)
15
5.50%
5.59%
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1010 Bayshore Rd, Cape May, NJ 08204
15 Year Fixed Rate Mortgage Purchase
15
5.50%
5.59%
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1010 Bayshore Rd, Cape May, NJ 08204
15 Year Fixed Rate Mortgage Refinance
15
5.50%
5.59%
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
5.38%
5.60%
▼
Rate5.38%
APR5.60%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
409 Amherst St, Bedford, NH 03063
15 Year Fixed
5.12%
5.61%
▼
Rate5.12%
APR5.61%
Points2.000
UpdatedMay 10, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
15-year Fixed Rate
5.38%
5.61%
▼
Rate5.38%
APR5.61%
Points0.500
UpdatedMay 17, 2026
Details
No additional details available.
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
110 McIndoe St, Wausau, WI 54401
15 Year Fixed Rate
180
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.28%
175 E Olive Ave, Burbank, CA 91502 1853
15 Year Fixed Rate
5.25%
5.61%
▼
Rate5.25%
APR5.61%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
215 S Washington Ave, Abbotsford, WI 54405
15-Year Fixed
15 Years
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Canton Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
671 Washington St, Canton, MA 02021
15 Year Fixed Rate
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
102 N Seven Oaks Dr, Alcoa, TN 37601
15-Year Fixed-Rate Mortgage
5.25%
5.61%
▼
Rate5.25%
APR5.61%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
11838 Joseph Campau St, Hamtramck, MI 48091 4073
USMFCU 15 Year Fixed Mortgage
5.38%
5.62%
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedMay 6, 2026
Details
No additional details available.
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
5.25%
5.63%
▼
Rate5.25%
APR5.63%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
11899 New Halls Ferry Rd, Ellisville, MO 63011
15 Year Fixed
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
5401 Old Court Rd, Baltimore, MD 21133 5103
15-Year Fixed
15-Year
5.38%
5.63%
▼
Rate5.38%
APR5.63%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
150 Old Tower Hill Rd, Bristol, RI 02809
15 Year Fixed Rate
15 Year
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
150 Old Tower Hill Rd, Bristol, RI 02809
15 Year Fixed Rate Mortgage
15
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
142 Temple Street Suite 306, Milford, CT 06460
15 Year Fixed
5.12%
5.63%
▼
Rate5.12%
APR5.63%
Points2.000
UpdatedMay 17, 2026
Details
No additional details available.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.38%
5.63%
▼
Rate5.38%
APR5.63%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
101 Pakaula St, Honolulu, HI 96707
Conventional 1st Mortgage 15 Year Fixed Rate
5.38%
5.63%
▼
Rate5.38%
APR5.63%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
First-Time/Affordable Homebuyer Loan* 15 Year Fixed
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
15 Year Fixed Rate
5.62%
5.65%
▼
Rate5.62%
APR5.65%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 High St, Altoona, PA 15943
15-Year Fixed Rate
5.62%
5.65%
▼
Rate5.62%
APR5.65%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1105 Summer St, Andover, MA 01810
15-Year Fixed
15 Years
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMay 21, 2026
Details
See note 1
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1000 N Walnut Creek Dr, Addison, TX 75001
15-year fixed-rate
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
15-year Fixed Rate
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
City of Boston Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.18%
1010 William T MORRISSEY BLVD, Boston, MA 02021 2715
15 Year Fixed Rate
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
5.12%
5.66%
▼
Rate5.12%
APR5.66%
Points2.000
UpdatedMay 17, 2026
Details
No additional details available.
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
104 McCall Rd, Andover, KS 66049 4869
15 Year Fixed
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1740 Stephenson St, Green Bay, WI 54143
Fixed Rate Mortgage 15-Year Fixed
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
1008 W Bell Ave Ste 103, Albia, IA 50022 1128
15 Year Fixed
5.50%
5.67%
▼
Rate5.50%
APR5.67%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.62%
5.67%
▼
Rate5.62%
APR5.67%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
100 N Main St, Fort Atkinson, WI 53094
Rapid Refinance Mortgage 15-Year Fixed Rate
15-Year
5.62%
5.67%
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Clive, IA 50211
15-Year Fixed Rate Purchase
5.62%
5.67%
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedMay 21, 2026
Details
Loan Amount: $200,000
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.59%
100 Metro Blvd, Burlington, NC 07110
15-Year Fixed
15-Year Term
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1105 Summer St, Andover, MA 01810
15-Year Fixed
15 Years
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points1.000
UpdatedMay 21, 2026
Details
See note 1
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Clive, IA 50211
15-Year Fixed Rate Purchase
5.62%
5.68%
▼
Rate5.62%
APR5.68%
Points0.000
UpdatedMay 21, 2026
Details
Loan Amount: $300,000
Winnebago Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
2060 Witzel Ave, Neenah, WI 54901
15 Year Fixed
5.49%
5.68%
▼
Rate5.49%
APR5.68%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.87%
1 Mercedes Dr, Birmingham, AL 32507 8703
15 Year Fixed, First Mortgage
15
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.500
UpdatedMay 18, 2026
Details
Loan to Value %: 80%
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
1 South St, Baltimore, MD 21133 4706
15-year fixed rate
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Fair Oaks, CA 95628 3539
15 Year Fixed
15 Year
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
125 Boston Post Rd, Bozrah, CT 06333
15 Year Fixed Conventional FNMA
15 Year
5.45%
5.68%
▼
Rate5.45%
APR5.68%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
111 LENOX ST, Dorchester, MA 01890
15 Year Fixed
5.62%
5.68%
▼
Rate5.62%
APR5.68%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
111 Lower Mill Bay Rd, Anchorage, AK 99501 3411
15-Year Fixed
5.38%
5.69%
▼
Rate5.38%
APR5.69%
Points0.000
UpdatedMay 20, 2026
Details
Based on a $100,000 loan for the specified term
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1007 Georges Station Rd, Blairsville, PA 15601
15 Year Fixed Rate Portfolio Mortgage
5.50%
5.70%
▼
Rate5.50%
APR5.70%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1007 Georges Station Rd, Blairsville, PA 15601
15 Year Fixed Rate Portfolio Mortgage*
5.50%
5.70%
▼
Rate5.50%
APR5.70%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.62%
5.71%
▼
Rate5.62%
APR5.71%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Fishkill, NY 10566 2801
Biweekly 15 Year Fixed
5.75%
5.72%
▼
Rate5.75%
APR5.72%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.38%
5.72%
▼
Rate5.38%
APR5.72%
Points1.000
UpdatedMay 18, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
Fixed Rate Refinance 15-YEAR FIXED
5.38%
5.72%
▼
Rate5.38%
APR5.72%
Points1.000
UpdatedMay 18, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
505 King Ave, Columbus, OH 43016 3248
15 Year Fixed
180
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
142 Temple Street Suite 306, Milford, CT 06460
15 Year Fixed
5.38%
5.74%
▼
Rate5.38%
APR5.74%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
100 Springcrest Dr, Boiling Springs, NC 28110
15-Year Fixed
5.50%
5.74%
▼
Rate5.50%
APR5.74%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
15-Year Fixed Conforming Home Loan
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Broomall, PA 19008
15 Year Fixed
15 Year
5.50%
5.74%
▼
Rate5.50%
APR5.74%
Points1.000
UpdatedMay 21, 2026
Details
No additional details available.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1250 Hancock St, Everett, MA 02127
15 Year Fixed Rate Mortgage
15
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
1000 W Rhode Island Ave, Cape Canaveral, FL 32119
15 Year Fixed
15
5.38%
5.74%
▼
Rate5.38%
APR5.74%
Points1.000
UpdatedMay 20, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1000 Jackson St, Asbury, IA 50111
Refinance: 15-Year Fixed Conventional
5.62%
5.75%
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Oakdale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
128 E Badger Dr, Mauston, WI 53948
15 Year Fixed
180
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedMay 20, 2026
Details
First Mortgage - Primary Residence Only
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.90%
1360 Route 9, Freehold, NJ 07728
15 Year Fixed Conforming
15 Year
5.62%
5.75%
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1 Hastings St, Bellingham, MA 01756
15 Year Fixed
15
5.38%
5.76%
▼
Rate5.38%
APR5.76%
Points2.000
UpdatedMay 21, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.50%
5.76%
▼
Rate5.50%
APR5.76%
Points0.500
UpdatedMay 18, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
Fixed Rate Refinance 15-YEAR FIXED
5.50%
5.76%
▼
Rate5.50%
APR5.76%
Points0.500
UpdatedMay 18, 2026
Details
No additional details available.
Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01801
15 Year Fixed
180
5.75%
5.77%
▼
Rate5.75%
APR5.77%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
255 James Payton Blvd, Chelsea, AL 35043
15-Year Fixed Rate Mortgage 1st Mortgage Only
15
5.50%
5.77%
▼
Rate5.50%
APR5.77%
Points0.000
UpdatedMay 6, 2026
Details
Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Aiea, HI 96701
15 Year Fixed
5.38%
5.77%
▼
Rate5.38%
APR5.77%
Points2.000
UpdatedMay 21, 2026
Details
No additional details available.
Bank of Easton
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Robert Dr, North Easton, MA 02356
15 Year Fixed
5.50%
5.77%
▼
Rate5.50%
APR5.77%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 W 200 N, Helper, UT 84066 5004
Home Loans 15-year Fixed
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1 Montauk Hwy, Astoria, FL 07024
15 Year Fixed
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
15 Year Fixed
15 years
5.65%
5.78%
▼
Rate5.65%
APR5.78%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
15 Year Fixed
15
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
109 W Maple Ave, Annawan, IL 60420
15 Year Fixed Mortgages
5.50%
5.79%
▼
Rate5.50%
APR5.79%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1127 Ethan Allen Highway, Enosburg Falls, VT 05450
15 Year Fixed Rate
15
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
1029 Pittsburgh Ave, Erie, PA 16417 1122
15 Year Fixed Rate Primary Residence
5.50%
5.79%
▼
Rate5.50%
APR5.79%
Points0.250
UpdatedMay 20, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.62%
5.79%
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMay 20, 2026
Details
Fixed 180 Months
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
133 N Bridge St, Aberdeen, MD 21001
15 Year Fixed
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points1.000
UpdatedMay 21, 2026
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA 90045
15 Year Fixed-Rate Mortgages: Conforming
15
5.50%
5.80%
▼
Rate5.50%
APR5.80%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1 Towne Ctr, Cliffside Park, NJ 07006
15 Year Fixed Rate
5.75%
5.80%
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD 20903 1058
Conventional 15-Year Fixed Rate
5.36%
5.80%
▼
Rate5.36%
APR5.80%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1336 E Main St, Ansonia, CT 06032
15 Year Fixed
5.62%
5.81%
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
Fixed Rate Refinance 15-YEAR FIXED
5.62%
5.81%
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
1662 W Orange Blossom Trl, Apopka, FL 32712 2641
15 Year Fixed
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
489 BOSTON TPKE, SHREWSBURY, MA 01545
15 Year Fixed Rate
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMay 7, 2026
Details
No additional details available.
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR 97031 1961
15 Year Fixed Rate
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.500
UpdatedMay 17, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
200 S LAUREL AVE, HAZLET, NJ 07724
15-Year Fixed Mortgage
15-Year
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
109 Review Way, Alameda, CA 94501
15 Year Fixed
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1119 S Lincoln Ave, Alton, IL 62002
First Mortgage Loans 15 Year Fixed
5.50%
5.82%
▼
Rate5.50%
APR5.82%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
409 Amherst St, Bedford, NH 03063
15 Year Fixed
5.50%
5.83%
▼
Rate5.50%
APR5.83%
Points1.000
UpdatedMay 10, 2026
Details
No additional details available.
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 17.60%
1105 N Dutton Ave, Clearlake, CA 94559 1047
15 Year Fixed Mortgage Loan Purchase
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
1000 W Rhode Island Ave, Cape Canaveral, FL 32119
15 Year Fixed
15
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
100 Chapman Farm Blvd, Beloit, WI 53105
15-year Fixed
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Broomall, PA 19008
15 Year Fixed
15 Year
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
142 Temple Street Suite 306, Milford, CT 06460
15 Year Fixed
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Central State Bank Clayton, IL
Institution Rating:
B-4.3 ★Texas Ratio: 23.94%
100 W Main St, Clayton, IL 62301
15 Year Fixed Rate
5.75%
5.84%
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
1116 S 14th St, Bettendorf, IA 52722
Fixed Rate Mortgage - 15 Year Fixed Rate
5.75%
5.84%
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.94%
1058 NW Sleret Ave, Beaverton, OR 97005
15 Year Fixed
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.022
UpdatedMay 20, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI 49047 1541
15 Year Fixed-Rate Purchase
5.62%
5.85%
▼
Rate5.62%
APR5.85%
Points0.125
UpdatedMay 17, 2026
Details
No additional details available.
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1 Hastings St, Bellingham, MA 01756
15 Year Fixed
15
5.62%
5.85%
▼
Rate5.62%
APR5.85%
Points1.000
UpdatedMay 21, 2026
Details
No additional details available.
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1300 New York Ave NW, Washington, DC 20577 0001
Primary Residence Fixed Rate Mortgage 15-Year Fixed
15
5.62%
5.85%
▼
Rate5.62%
APR5.85%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.82%
1004 N Oak St, Alexandria, LA 70006 5324
15 year fixed
15 year
5.50%
5.86%
▼
Rate5.50%
APR5.86%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
201 Frank E Rodgers Blvd N, Harrison, NJ 07029
15 Year Fixed Rate
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12214 W Lakeshore Dr, Brimley, MI 49715
15 Year Fixed Rate
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMay 18, 2026
Details
As Low As
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Year
5.24%
5.86%
▼
Rate5.24%
APR5.86%
Points3.000
UpdatedMay 21, 2026
Details
No additional details available.
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
10 Western Ave, Berwick, ME 03801
15 Year Fixed Rate-Servicing Released
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1100 Harrison Ave, Cincinnati, OH 45030
15 Year Fixed Rate
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Lebanon, IL 62254
15 Year Fixed Rate/ 10-Year Amort
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA 52202
15-Year Fixed
180
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1000 Jackson St, Asbury, IA 50111
Purchase: 15-Year Fixed Conventional
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1000 Jackson St, Asbury, IA 50111
Refinance: 15-Year Fixed Conventional
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1117 S 10th St, Manitowoc, WI 53081
15 Year Fixed (180 months)
180
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
1001 S 1200 W, Albuquerque, AZ 83440
15 Year Fixed
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points0.625
UpdatedMay 17, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Charlotte, NC 27612
15-Year Fixed
15-Year
5.88%
5.88%
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA 98501
15-Year Fixed
15
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
Mercer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1100 Irmscher Blvd, Berne, IN 45331
15 Year Fixed Rate
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA 98501
15-Year Fixed 80% Max LTV (Owner Occupied)
15
5.62%
5.89%
▼
Rate5.62%
APR5.89%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA 90045
15 Year Fixed-Rate Mortgages: Conforming
15
5.75%
5.89%
▼
Rate5.75%
APR5.89%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
322 Buck Dr, Reno, NV 89436 7731
15-Year Fixed Conforming Mortgage
5.49%
5.89%
▼
Rate5.49%
APR5.89%
Points0.000
UpdatedMay 6, 2026
Details
60% LTV*
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
322 Buck Dr, Reno, NV 89436 7731
Conventional 15 Year Fixed
5.49%
5.89%
▼
Rate5.49%
APR5.89%
Points1.000
UpdatedMay 6, 2026
Details
No additional details available.
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
112 Boston Ave, Bethel, CT 06468
15 Year Fixed Rate
15
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Fair Oaks, CA 95628 3539
15 Year Fixed
15 Year
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
170 Bluestone Dr, Alexandria, DC 20548 0001
Made to Match - 15 Year Fixed
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1104 Eagleton Blvd, Ashville, OH 43103
15-Year Fixed Mortgage
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 E Main St, Ansonia, IN 45303
15 Year Fixed Rate
5.75%
5.92%
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Avenel, NJ 07001
15 Year Fixed Rate
5.75%
5.92%
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1100 NE Weidler St, Albany, OR 97005
15 year fixed rate
15 year
5.75%
5.92%
▼
Rate5.75%
APR5.92%
Points0.500
UpdatedMay 18, 2026
Details
No additional details available.
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
130 Sunrise Ave, Elk Grove, CA 95356 0542
15-Year Fixed
5.71%
5.92%
▼
Rate5.71%
APR5.92%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1100 NE Weidler St, Albany, OR 97005
15 year fixed rate
15 year
5.75%
5.92%
▼
Rate5.75%
APR5.92%
Points0.500
UpdatedMay 18, 2026
Details
No additional details available.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.88%
5.92%
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Baxter Pkwy, Aibonito, AR 00610 9807
15 Year Fixed
15
5.62%
5.92%
▼
Rate5.62%
APR5.92%
Points0.875
UpdatedMay 20, 2026
Details
As Low As
Marathon Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
11315 N Cedarburg Rd, Brookfield, WI 53045
15 Year Fixed
15 Year
5.75%
5.92%
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 17.60%
1105 N Dutton Ave, Clearlake, CA 94559 1047
15 Year Fixed Mortgage Loan Purchase
5.88%
5.92%
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
1 Courthouse Way, Bedford, CA 01434
15-Year Fixed
5.62%
5.93%
▼
Rate5.62%
APR5.93%
Points0.000
UpdatedMay 6, 2026
Details
As Low As; Primary Residence
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1 Carmichael St, Barre, VT 05401 4441
15 Year Fixed Rate
15
5.75%
5.93%
▼
Rate5.75%
APR5.93%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1385 Fremont Ave, Blackfoot, ID 83201
15 Year Fixed
15 Year
5.75%
5.93%
▼
Rate5.75%
APR5.93%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1 Northwestern Mutual Way, Franklin, WI 53132
15 Year Fixed
5.85%
5.93%
▼
Rate5.85%
APR5.93%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1019 E Fairchild St, Bloomington, IL 61704
15 Year Fixed
5.50%
5.93%
▼
Rate5.50%
APR5.93%
Points0.000
UpdatedMay 18, 2026
Details
As Low As
Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
100 Battistoni Rd, Avon, CT 06001
15 Year Fixed
5.75%
5.94%
▼
Rate5.75%
APR5.94%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX 76548 1745
15-Year Fixed
5.88%
5.94%
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX 76548 1745
15-Year Fixed Refinance
5.88%
5.94%
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
101 Crosspark Dr, Clinton, KY 37716 3730
15-Year Fixed
5.75%
5.95%
▼
Rate5.75%
APR5.95%
Points1.000
UpdatedMay 6, 2026
Details
No additional details available.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1100 E Lincolnway, Geneseo, IL 61053
15 Year Fixed
15
5.88%
5.95%
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Year
5.49%
5.95%
▼
Rate5.49%
APR5.95%
Points2.000
UpdatedMay 21, 2026
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
1010 Moore St, Allegan, MI 49002
15 Year Fixed
5.75%
5.95%
▼
Rate5.75%
APR5.95%
Points0.500
UpdatedMay 18, 2026
Details
As Low As
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
105 Oaktree Blvd, Christiansburg, VA 24012
15 Year Fixed Rate
180
5.75%
5.96%
▼
Rate5.75%
APR5.96%
Points0.642
UpdatedMay 17, 2026
Details
No additional details available.
Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
219 County Route 57, Baldwinsville, NY 13027
15-Year Fixed
5.75%
5.96%
▼
Rate5.75%
APR5.96%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1 Carmichael St, Barre, VT 05401 4441
15 Year Fixed Rate
15
5.62%
5.96%
▼
Rate5.62%
APR5.96%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1100 W Fair Ave, Lancaster, OH 43130
15 YEAR FIXED RATE
5.75%
5.96%
▼
Rate5.75%
APR5.96%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1002 Crossings Blvd, Brentwood, TN 37027
15 Year Fixed
5.88%
5.96%
▼
Rate5.88%
APR5.96%
Points0.000
UpdatedMay 6, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.62%
5.96%
▼
Rate5.62%
APR5.96%
Points0.000
UpdatedMay 20, 2026
Details
Fixed 180 Months
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
15 Year Fixed Rate
15
5.62%
5.97%
▼
Rate5.62%
APR5.97%
Points0.750
UpdatedMay 17, 2026
Details
20% Down
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1100 Springdale St, Belmont, WI 53510
15 Year Fixed
15
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1010 Commerce St, Moundsville, OH 26003
15 Year Fixed
5.62%
5.97%
▼
Rate5.62%
APR5.97%
Points0.250
UpdatedMay 17, 2026
Details
No additional details available.
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
10750 France Ave S, Andover, MN 55304
Conventional 15-Year Fixed
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
10539 W National Ave, Appleton, IL 53005
15-Year Fixed Service Released
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
100 E Midway Rd, Appleton, WI 53024
15 Year Fixed Rate
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
101 Park Ave, Bath, PA 18014
15-Year Fixed Rate
15
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
100 E Main St, Black River Falls, WI 54603 2354
15 Year Fixed Rate (Secondary Market)
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed Rate
15
5.62%
5.98%
▼
Rate5.62%
APR5.98%
Points2.000
UpdatedMay 20, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1 Seahawk Dr, Aberdeen, MD 21001 1733
15 Year Fixed
15
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.375
UpdatedMay 17, 2026
Details
No additional details available.
CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1600 Clifton Rd NE, Atlanta, GA 30329 4018
15 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
1055 W Mercury Blvd, Carrollton, NC 23060 5814
15 Year Fixed-Rate Mortgage
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
1055 W Mercury Blvd, Carrollton, NC 23060 5814
15 Year Fixed-Rate Mortgage Refinance
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1040 Southpark Blvd, Boone, NC 27012
15-Year Fixed
5.80%
5.98%
▼
Rate5.80%
APR5.98%
Points1.000
UpdatedMay 17, 2026
Details
No additional details available.
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1740 Stephenson St, Green Bay, WI 54143
Fannie Mae Fixed Rate Mortgages 15-Year Fixed
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1009 New Haven Rd, Avon, CT 01028
15 Year Fixed Mortgage
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
10025 Baltimore National Pike, Annapolis, MD 20740
15 Year Fixed
5.75%
5.99%
▼
Rate5.75%
APR5.99%
Points1.125
UpdatedMay 20, 2026
Details
No additional details available.
Community First Bank Boscobel, WI
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
101 N Wisconsin Ave, Baraboo, WI 53554
15 Year Fixed Rate
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedMay 3, 2026
Details
No additional details available.
The Peoples Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ernie Drive, Arena, WI 53503
15 Year Fixed Rate
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed
5.62%
6.00%
▼
Rate5.62%
APR6.00%
Points2.000
UpdatedMay 20, 2026
Details
No additional details available.
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
106 Main St, Appleton, WI 54106 9586
15 Year Fixed
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Hilo, GU 96720
15 Year Fixed Rate
5.50%
6.00%
▼
Rate5.50%
APR6.00%
Points1.750
UpdatedMay 21, 2026
Details
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 $1,634.17 based on a 15 Year Fixed Rate at 5.500% with 1.750 points and 6.001% APR.
Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Main St, Highland Falls, NY 10928
15 Year Fixed Conforming *
15 Years
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Gouverneur S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12084 State Route 12e, Alexandria Bay, NY 13607
15 Year Fixed
15
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMay 21, 2026
Details
As Low As; *
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
10175 State Road 54, Bradenton, FL 33511 5706
15 Year Fixed
5.50%
6.01%
▼
Rate5.50%
APR6.01%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2360 Massachusetts Ave, Cambridge, MA 02140
15 Year Fixed Rate
6.00%
6.02%
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Gain Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1201 Truman St, Burbank, CA 91340
15-Year Fixed - Conforming
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMay 17, 2026
Details
As Low As; Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1811 El Camino Real, Burlingame, CA 94010
Conforming 15 Year Fixed Rate
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 27.92%
100 W Church St, Bossier City, AR 71019
15 Year Fixed
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMay 6, 2026
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
105 Oaktree Blvd, Christiansburg, VA 24012
15 Year Fixed Rate
180
5.75%
6.04%
▼
Rate5.75%
APR6.04%
Points1.142
UpdatedMay 17, 2026
Details
No additional details available.
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
409 Amherst St, Bedford, NH 03063
15 Year Fixed
5.88%
6.04%
▼
Rate5.88%
APR6.04%
Points0.000
UpdatedMay 10, 2026
Details
No additional details available.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Year
5.74%
6.05%
▼
Rate5.74%
APR6.05%
Points1.000
UpdatedMay 21, 2026
Details
No additional details available.
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
109 SYCAMORE ST, Avon, CT 06001 2520
15-Year Fixed
5.88%
6.05%
▼
Rate5.88%
APR6.05%
Points0.000
UpdatedMay 21, 2026
Details
As Low As; Loan Amount: Any
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1221 Hewitt Dr, Belton, TX 76501 7603
15-year Fixed Purchase
5.88%
6.05%
▼
Rate5.88%
APR6.05%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1 Towne Ctr, Cliffside Park, NJ 07006
15 Year Fixed Rate
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
109 Review Way, Alameda, CA 94501
15 Year Fixed
6.00%
6.06%
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
1008 W Bell Ave Ste 103, Albia, IA 50022 1128
15 Year Fixed
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Guardian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
1025 Milwaukee Ave, Menomonee Falls, WI 53051 8009
15 Year Fixed Rate
6.00%
6.06%
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1024 N Superior Ave, Bettendorf, IA 52722
15 Year Fixed
15 Year
5.75%
6.07%
▼
Rate5.75%
APR6.07%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1400 W Raymond St, Indianapolis, IN 46202
15-Year Fixed
180
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points-0.125
UpdatedMay 17, 2026
Details
No additional details available.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1400 W Raymond St, Indianapolis, IN 46202
15-Year Fixed-Rate Mortgage Refinance
180
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
DMB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10 Terrace Ct, Deforest, WI 53532
15 Year Fixed Rate Program
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMay 21, 2026
Details
Serviced by DMB
Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY 10017
15 Year Fixed
15
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1800 Barrs St, Hammond, FL 32202
15 year fixed
5.88%
6.07%
▼
Rate5.88%
APR6.07%
Points0.500
UpdatedMay 20, 2026
Details
As Low As
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1 Hastings St, Bellingham, MA 01756
15 Year Fixed
15
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1275 N Main St, Bowling Green, OH 43402 1342
15 Year Fixed Conventional
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
10169 S Parker Rd, Arvada, CO 80003
15-Year Fixed - Purchase
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3000 W Magnolia Blvd, Burbank, CA 91505 3043
Conventional 15 year fixed
5.88%
6.08%
▼
Rate5.88%
APR6.08%
Points0.000
UpdatedMay 17, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
1130 CLEAVER RD, BAD AXE, MI 48304 1187
15 Year Fixed
15 Year
5.88%
6.08%
▼
Rate5.88%
APR6.08%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ 07825
15 Year Fixed Monthly
5.88%
6.08%
▼
Rate5.88%
APR6.08%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
115 W Oklahoma Ave, Elm Grove, WI 53066
15 Year Fixed Rate
15 Year
6.00%
6.08%
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
115 W Oklahoma Ave, Elm Grove, WI 53066
15-Year Fixed Rate Purchase
6.00%
6.08%
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMay 20, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1430 N MICHIGAN Ave, Midland, MI 48602 4734
15 Year Fixed Conventional FNMA
5.75%
6.08%
▼
Rate5.75%
APR6.08%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed Rate
15
5.88%
6.08%
▼
Rate5.88%
APR6.08%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
101 Tillson Avenue Ext, Albany, NY 10509
15-Year Fixed Rate
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed
5.88%
6.09%
▼
Rate5.88%
APR6.09%
Points1.000
UpdatedMay 20, 2026
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
15-Year Fixed-Rate, Conventional
5.88%
6.09%
▼
Rate5.88%
APR6.09%
Points0.000
UpdatedMay 17, 2026
Details
As Low As; starting at
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA 94022 3618
15-Year Fixed-Rate Mortgage
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMay 20, 2026
Details
APR Jumbo
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1006 Post Rd, Darien, CT 06820
15 Year Fixed Rate Mortgage
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
The Bank of New Glarus
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
1101 Hwy 69, Belleville, WI 53508
15 Year Fixed
15
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
100 Joseph Dr, Bay City, MI 48603
15 Year Fixed
15 Year
5.88%
6.10%
▼
Rate5.88%
APR6.10%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
15 Year Fixed Rate Mortgage
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
15 Year Fixed Rate
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
MCS Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1 East Specht Street, Allensville, PA 17002
15 Year Fixed
15
5.88%
6.10%
▼
Rate5.88%
APR6.10%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
110 International Way, Albany, OR 97210
15 Year Fixed (Conforming)
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ 07825
15 Year Fixed Monthly
5.75%
6.11%
▼
Rate5.75%
APR6.11%
Points1.000
UpdatedMay 21, 2026
Details
No additional details available.
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
110 Black Rock Rd, Blue Bell, PA 19083 1110
15 Year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
1619 Blake Ave, Albert Lea, MN 55912
15 Year Fixed
5.75%
6.11%
▼
Rate5.75%
APR6.11%
Points0.000
UpdatedMay 18, 2026
Details
As Low As
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
1619 Blake Ave, Albert Lea, MN 55912
15 Year Fixed Home Loan
15 Year
5.75%
6.11%
▼
Rate5.75%
APR6.11%
Points0.000
UpdatedMay 18, 2026
Details
As Low As
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
2354 E Mason St, Green Bay, WI 54220
15 Year Fixed
5.88%
6.12%
▼
Rate5.88%
APR6.12%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Refi 15 Year Fixed Rate
5.88%
6.12%
▼
Rate5.88%
APR6.12%
Points0.875
UpdatedMay 20, 2026
Details
No additional details available.
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
10075 Carroll Canyon Rd, Chula Vista, CA 91910 7565
15 Year Fixed
5.88%
6.12%
▼
Rate5.88%
APR6.12%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
A & S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2090 Brodhead Rd, Aliquippa, PA 15001
15 Year Fixed
6.12%
6.12%
▼
Rate6.12%
APR6.12%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
1010 Moore St, Allegan, MI 49002
15 Year Fixed
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMay 18, 2026
Details
As Low As
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2213 W White Oaks Dr, Springfield, IL 62702
15-Year Fixed
5.88%
6.13%
▼
Rate5.88%
APR6.13%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1 Denso Rd, Bangor, MI 49001
Conventional 15 Year Fixed
5.88%
6.13%
▼
Rate5.88%
APR6.13%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1025 Braden Ave, Ames, IA 50010
15 Year Fixed
15 Year
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
13246 State Route 176, Drakesboro, KY 40223
15 Year Fixed - Conforming
5.88%
6.14%
▼
Rate5.88%
APR6.14%
Points0.000
UpdatedMay 18, 2026
Details
No additional details available.
Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1514 Woodlawn Dr, Baltimore, MD 21117 3604
15-Year Fixed
5.75%
6.14%
▼
Rate5.75%
APR6.14%
Points0.000
UpdatedMay 17, 2026
Details
No additional details available.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Year
5.99%
6.14%
▼
Rate5.99%
APR6.14%
Points0.000
UpdatedMay 21, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
110 Newbury St, Amesbury, MA 01701
15 Year Fixed
5.75%
6.14%
▼
Rate5.75%
APR6.14%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Purchase 15 Year Fixed Rate
5.88%
6.14%
▼
Rate5.88%
APR6.14%
Points0.875
UpdatedMay 20, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Burlington, IA 52001
15-year Fixed
15
5.99%
6.14%
▼
Rate5.99%
APR6.14%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
100 COMMUNITY LOOP, Arroyo Grande, CA 93401 4084
15-Year Fixed
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points0.000
UpdatedMay 20, 2026
Details
No additional details available.
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The 15-year fixed mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Refinancing involves closing costs that should be factored into your decision.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
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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.
15-Year Fixed — National Avg
6.108%
▲ 0.125% from last week
The 15-year fixed rate rose 0.125 points over the past 7 days to 6.108%, up from 5.983% last week.
Quick Reference — May 2026
Est. payment ($400k loan): $3,399/mo
Loan type: Fixed-rate, 15-year term
Best for: Faster payoff, lower total interest
Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions
As of May 22, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
Powered byMonitorBankRates
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?
A 15-year fixed-rate mortgage is a home loan with an interest rate that stays the same for the entire 15-year repayment term. Your principal and interest payment never changes, and the loan is fully paid off in 180 months. Compared to a 30-year mortgage, the 15-year typically carries a lower interest rate — usually 0.50%–0.75% below the 30-year rate — and you pay significantly less total interest because of the shorter term. The trade-off is a substantially higher monthly payment since the principal is repaid in half the time.
How does a 15-year mortgage compare to a 30-year mortgage?
The 15-year mortgage saves a substantial amount of money over the life of the loan but requires a higher monthly payment. On a $400,000 loan, a 15-year at 6.25% has a principal and interest payment of roughly $3,430/month versus approximately $2,594/month on a 30-year at 6.75%. However, the 15-year borrower pays roughly $225,000 in total interest compared to approximately $534,000 on the 30-year — a savings of over $300,000. The right choice depends on whether you can comfortably afford the higher payment without straining cash flow.
What is the monthly payment on a 15-year mortgage?
Monthly payment depends on your loan amount and rate. As a rough reference: a $300,000 loan at 6.00% has a principal and interest payment of about $2,532/month; at $400,000 and 6.25%, roughly $3,430/month; at $500,000 and 6.50%, approximately $4,355/month. These figures cover principal and interest only — your total payment will be higher if you include property taxes, homeowner's insurance, and any HOA fees. Use our Mortgage Payment Calculator for a precise figure based on your specific loan amount and current rate.
Who is a 15-year mortgage best suited for?
A 15-year mortgage is well suited for borrowers who can comfortably afford the higher monthly payment, are approaching retirement and want to be mortgage-free sooner, have stable income with limited need for cash flow flexibility, or are refinancing an existing mortgage and want to accelerate payoff. It is also ideal for buyers who plan to stay in the home long-term and want to maximize total interest savings. Borrowers with variable income or significant other financial obligations often benefit from the lower required payment of a 30-year, even if they intend to pay extra.
How does my credit score affect my 15-year mortgage rate?
Credit score is one of the most significant factors in rate pricing. Borrowers with scores above 760 typically qualify for the lowest available 15-year rates. Scores between 700–759 usually carry rates 0.25%–0.50% higher. Scores below 680 can result in rates 0.75%–1.50% above best-tier pricing. On a 15-year loan, a higher rate costs less in total dollars than on a 30-year (because the loan pays off faster), but the monthly payment impact is immediate and significant on a shorter amortization.
Should I lock my 15-year mortgage rate?
If you are comfortable with your quoted rate and want protection against rate increases before closing, locking is generally advisable. Most lenders offer 30- to 60-day locks at no cost; longer locks of 90 days may carry a small fee. Because 15-year rates tend to track shorter Treasury yields, they can move more quickly than 30-year rates in certain market conditions. Locking as soon as you have a signed purchase agreement is typically the safest approach.
What is the difference between interest rate and APR on a 15-year mortgage?
The interest rate is the annual cost of borrowing the principal. The APR (Annual Percentage Rate) is a broader figure that includes the interest rate plus lender origination fees, points paid, and certain closing costs, all expressed as a single annualized percentage. Because a 15-year loan has a shorter amortization period, upfront fees and points have a larger impact on the APR relative to a 30-year loan with the same costs. The APR is the best number for comparing total loan costs across lenders on an apples-to-apples basis.
Should I pay mortgage points on a 15-year loan?
Paying points (discount points) upfront to lower your rate can make sense on a 15-year loan if you plan to keep the mortgage long enough to recover the upfront cost through monthly savings. Because the 15-year term is shorter than a 30-year, you have fewer months to recoup the investment — making break-even analysis especially important. Divide the cost of the points by the monthly savings from the lower rate to find your break-even month. If you expect to keep the loan past that point, paying points is likely worthwhile.
Can I refinance into a 15-year mortgage?
Yes, and it is one of the most common reasons homeowners refinance. Refinancing from a 30-year into a 15-year mortgage lets you lock in a lower rate, build equity faster, and eliminate debt sooner — often saving hundreds of thousands in total interest. The key considerations are whether you can absorb the higher monthly payment, whether the rate improvement justifies the closing costs (typically 2%–5% of the loan balance), and whether your break-even timeline aligns with your planned length of stay.
How are 15-year mortgage rates determined?
Lenders price 15-year fixed mortgage rates primarily based on the yield of 10-year U.S. Treasury bonds — the same benchmark used for 30-year mortgages — but the spread above Treasuries is typically smaller because 15-year loans carry less duration risk and default risk for the lender. When Treasury yields rise (driven by Federal Reserve policy, inflation data, or economic strength), 15-year rates rise in tandem. Individual quotes also depend on credit score, down payment, loan-to-value ratio, property type, and the lender's own cost of capital.
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)
- HawaiiUSA Federal Credit Union: 4.62% (15 Year Fixed Rate)
- Members Community Credit Union: 5.25% (15-Year Fixed)
30-Year Fixed 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: May 21, 2026
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