Best 15-Year Fixed Mortgage Rates Today - April 2026 | As Low As 4.25%
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
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 HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.50% offering 15 Year Fixed Rate at 4.25%, and Crews Bank & TrustCrews Bank & Trust102 E Interlake Blvd, Arcadia, FL 33801A+5.0 ★Texas Ratio: 0.40% offering 15-Year Fixed at 5.00%, and MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Loves Park, IL 61073A+5.0 ★Texas Ratio: 2.78% 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: 2.69% offering 15 Year Fixed at 5.25%, and Iron Workers SBIron Workers SB100 Ridge Rd, Aston, PA 19014A+5.0 ★Texas Ratio: 0.01% offering 15 Year Fixed Rate at 5.12%.
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: April 8, 2026
Compare 15-Year Fixed Mortgage Rates Today
Lender
Product
Term
Rate ▲
APR
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
15 Year Fixed Rate
4.25%
4.85%
▼
Rate4.25%
APR4.85%
Points2.375
UpdatedApr 4, 2026
Details
No additional details available.
Crews Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
102 E Interlake Blvd, Arcadia, FL 33801
15-Year Fixed
5.00%
5.04%
▼
Rate5.00%
APR5.04%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate
15
4.75%
5.08%
▼
Rate4.75%
APR5.08%
Points1.000
UpdatedMar 27, 2026
Details
As Low As
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, BOSTON, MA 02128 1864
15 Year Fixed
5.25%
5.13%
▼
Rate5.25%
APR5.13%
Points0.000
UpdatedApr 8, 2026
Details
No additional details available.
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
100 Ridge Rd, Aston, PA 19014
15 Year Fixed Rate
15
5.12%
5.14%
▼
Rate5.12%
APR5.14%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1341 COVE RD, East Wareham, MA 02538
15-Year Fixed
15-Year
5.00%
5.14%
▼
Rate5.00%
APR5.14%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT 06096
15 Year Fixed
15
5.00%
5.17%
▼
Rate5.00%
APR5.17%
Points0.000
UpdatedApr 4, 2026
Details
As Low As; 60 DAY LOCK
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT 06096
15 Year Fixed Rate
5.00%
5.17%
▼
Rate5.00%
APR5.17%
Points0.000
UpdatedApr 4, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
159 Colorado St, Muscatine, IA 52761
15-Year Fixed
15 Years
5.25%
5.22%
▼
Rate5.25%
APR5.22%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
100 Ridge Rd, Aston, PA 19014
15 Year Fixed Rate
15
4.75%
5.22%
▼
Rate4.75%
APR5.22%
Points3.000
UpdatedApr 2, 2026
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
15 Year Fixed Rate
5.00%
5.24%
▼
Rate5.00%
APR5.24%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY 40202
15 Year Fixed
15 Year
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 29, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Charlotte, CA 27612
15-Year Fixed
15
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedApr 5, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1020 Woodruff Rd, Charlotte, CA 27612
Fixed Rate-First Mortgages 15-Year Fixed
15
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedApr 5, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1662 W Orange Blossom Trl, Apopka, FL 32712 2641
15 Year Fixed
15 Year
5.12%
5.26%
▼
Rate5.12%
APR5.26%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10 Powhattan Ave, Essington, PA 19029
15-Year Fixed
15
5.12%
5.26%
▼
Rate5.12%
APR5.26%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
103 N Nordic Dr, Craig, AK 99801
Alaska Housing 15 Year Fixed Rate 1st Time Homebuyer Tax Exempt
5.12%
5.28%
▼
Rate5.12%
APR5.28%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.00%
5.29%
▼
Rate5.00%
APR5.29%
Points1.500
UpdatedApr 4, 2026
Details
No additional details available.
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15-Year
5.00%
5.31%
▼
Rate5.00%
APR5.31%
Points1.500
UpdatedApr 4, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, New Haven, CT 06511 5301
15 Year Fixed Mortgage
179
5.25%
5.31%
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO 63011
15 Year Fixed
5.00%
5.32%
▼
Rate5.00%
APR5.32%
Points1.250
UpdatedApr 6, 2026
Details
No additional details available.
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1230 Lakes Dr Ste 108, Brea, CA 90012 3352
15-Year Fixed
15-Year
5.12%
5.32%
▼
Rate5.12%
APR5.32%
Points0.000
UpdatedApr 4, 2026
Details
Loan amount not to exceed $499,999
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY 10566 2801
15 Year Fixed Rate
5.38%
5.33%
▼
Rate5.38%
APR5.33%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
1715 Plymouth St, Chilton, WI 53014
15 Year Fixed Rate Mortgage Special
15
5.25%
5.33%
▼
Rate5.25%
APR5.33%
Points0.000
UpdatedMar 29, 2026
Details
As Low As; Rate as low as 5.25% with a 5.328% APR* for 15 Years
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1004 N Oak St, Alexandria, LA 70006 5324
15 year fixed
15 year
5.25%
5.33%
▼
Rate5.25%
APR5.33%
Points0.000
UpdatedApr 5, 2026
Details
As Low As
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
5.25%
5.34%
▼
Rate5.25%
APR5.34%
Points0.000
UpdatedApr 2, 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
5.25%
5.34%
▼
Rate5.25%
APR5.34%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate
15
5.12%
5.36%
▼
Rate5.12%
APR5.36%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate Conventional Mortgages - 5% Down
15
5.12%
5.36%
▼
Rate5.12%
APR5.36%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
Conventional Mortgages - 5% Down 15 Year Fixed Rate
15
5.12%
5.36%
▼
Rate5.12%
APR5.36%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.12%
5.36%
▼
Rate5.12%
APR5.36%
Points1.125
UpdatedApr 4, 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
UpdatedApr 4, 2026
Details
Up to 80% Loan to Value
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
170 S Rainbow Blvd, Henderson, NV 89014
15-Year Fixed
5.25%
5.36%
▼
Rate5.25%
APR5.36%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1008 Fremont St, Bakersfield, CA 93215
15-Year Fixed Rate
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA 52235
15 Year Fixed Rate Loan 30 Day Lock*
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 27, 2026
Details
$100,000
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
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
UpdatedApr 4, 2026
Details
Max LTV: ?80%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.00%
5.37%
▼
Rate5.00%
APR5.37%
Points1.750
UpdatedApr 4, 2026
Details
No additional details available.
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15-Year
5.12%
5.38%
▼
Rate5.12%
APR5.38%
Points1.125
UpdatedApr 4, 2026
Details
No additional details available.
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
13303 Hadley St, MONTEREY PARK, CA 90601
15-Year Fixed-Rate Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedApr 4, 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
5.00%
5.38%
▼
Rate5.00%
APR5.38%
Points2.000
UpdatedApr 2, 2026
Details
No additional details available.
Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5401 Old Court Rd, Baltimore, MD 21133 5103
15-Year Fixed
5.12%
5.38%
▼
Rate5.12%
APR5.38%
Points0.000
UpdatedApr 8, 2026
Details
No additional details available.
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
10110 Reisterstown Rd, Baltimore, MD 21014 4170
15 Year Fixed
5.25%
5.39%
▼
Rate5.25%
APR5.39%
Points0.000
UpdatedApr 8, 2026
Details
No additional details available.
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1105 Western Ave, Kronenwetter, WI 54449 4918
1st Mortgage: 15 Year Fixed
15 years
5.37%
5.40%
▼
Rate5.37%
APR5.40%
Points0.000
UpdatedApr 8, 2026
Details
No additional details available.
First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
103 N Nordic Dr, Craig, AK 99801
Alaska Housing 15 Year Fixed Rate Veterans Mortgage Program
5.25%
5.40%
▼
Rate5.25%
APR5.40%
Points0.000
UpdatedApr 4, 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
5.38%
5.41%
▼
Rate5.38%
APR5.41%
Points1.000
UpdatedApr 3, 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
4.88%
5.42%
▼
Rate4.88%
APR5.42%
Points3.000
UpdatedApr 4, 2026
Details
No additional details available.
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
1010 21st Ave N, Conway, SC 29526 3365
15-year Fixed
5.25%
5.42%
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedApr 4, 2026
Details
As Low As
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.25%
5.42%
▼
Rate5.25%
APR5.42%
Points0.750
UpdatedApr 4, 2026
Details
No additional details available.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA 90036 3792
15-Year Fixed
5.25%
5.43%
▼
Rate5.25%
APR5.43%
Points1.000
UpdatedApr 5, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Conforming 15 Year Fixed
5.38%
5.43%
▼
Rate5.38%
APR5.43%
Points0.375
UpdatedApr 4, 2026
Details
No additional details available.
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA 52235
15 Year Fixed Rate Loan 30 Day Lock*
5.38%
5.43%
▼
Rate5.38%
APR5.43%
Points0.000
UpdatedMar 27, 2026
Details
$200,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA 52235
15 Year Fixed Rate Loan 60 Day Lock
5.38%
5.43%
▼
Rate5.38%
APR5.43%
Points0.000
UpdatedMar 27, 2026
Details
$200,000
Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
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
UpdatedApr 8, 2026
Details
Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15-Year
5.25%
5.44%
▼
Rate5.25%
APR5.44%
Points0.750
UpdatedApr 4, 2026
Details
No additional details available.
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
15 Year Fixed
15
5.00%
5.45%
▼
Rate5.00%
APR5.45%
Points2.000
UpdatedApr 3, 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
UpdatedApr 4, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD 21133 4706
15-year fixed rate
5.12%
5.46%
▼
Rate5.12%
APR5.46%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
100 Chapman Farm Blvd, Beloit, WI 53105
15-year Fixed
15-year
5.38%
5.46%
▼
Rate5.38%
APR5.46%
Points0.000
UpdatedApr 8, 2026
Details
No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.12%
5.46%
▼
Rate5.12%
APR5.46%
Points1.500
UpdatedApr 4, 2026
Details
No additional details available.
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1 W California Blvd, Altadena, CA 90012 4671
15-Year Fixed Rate Mortgages
15
5.25%
5.46%
▼
Rate5.25%
APR5.46%
Points0.000
UpdatedMar 26, 2026
Details
High Balance (Minimum Loan Amount $1,249,125)
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10066 Pacific Heights Blvd Ste 104, Carlsbad, CA 91910
15-Year Fixed Rate Mortgage
15-year
5.38%
5.47%
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedMar 28, 2026
Details
A $420,000 15-year fixed rate at an interest rate of 5.375% (5.468% APR) would have a monthly principal and interest payment equal to $3,404. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA 90036 3792
15-Year Fixed
5.45%
5.48%
▼
Rate5.45%
APR5.48%
Points0.000
UpdatedApr 5, 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
5.25%
5.49%
▼
Rate5.25%
APR5.49%
Points1.000
UpdatedApr 3, 2026
Details
No additional details available.
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
1560 Garrett Rd, Aston, DE 19014 1862
Conforming Mortgage Loan Amounts from to $806,500 15 Year Fixed
15
5.38%
5.49%
▼
Rate5.38%
APR5.49%
Points0.000
UpdatedApr 4, 2026
Details
$50,000; As Low As
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA 52235
15 Year Fixed Rate Loan 60 Day Lock
5.38%
5.49%
▼
Rate5.38%
APR5.49%
Points0.000
UpdatedMar 27, 2026
Details
$100,000
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.38%
5.49%
▼
Rate5.38%
APR5.49%
Points0.375
UpdatedApr 4, 2026
Details
No additional details available.
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Aiea, HI 96701
15 Year Fixed
5.12%
5.50%
▼
Rate5.12%
APR5.50%
Points1.875
UpdatedApr 4, 2026
Details
No additional details available.
American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
109 SYCAMORE ST, Avon, CT 06001 2520
15-Year Fixed
121 - 180 Months
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedMar 25, 2026
Details
As Low As
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA 52202
15-Year Fixed
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 2, 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
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Conforming 15 Year Fixed
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1030 US Highway 1, Cocoa, FL 32780
15 YEAR FIXED
15
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points0.000
UpdatedMar 25, 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
5.00%
5.51%
▼
Rate5.00%
APR5.51%
Points2.000
UpdatedApr 3, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, NC 23060 5814
15 Year Fixed-Rate Mortgage
5.38%
5.51%
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 27, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, NC 23060 5814
15 Year Fixed-Rate Mortgage Refinance
5.38%
5.51%
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 27, 2026
Details
No additional details available.
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15-Year
5.38%
5.51%
▼
Rate5.38%
APR5.51%
Points0.375
UpdatedApr 4, 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
5.12%
5.51%
▼
Rate5.12%
APR5.51%
Points2.000
UpdatedApr 4, 2026
Details
No additional details available.
UNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1 N Oak St, Catawissa, PA 17820
15 Year Fixed Rate
5.50%
5.52%
▼
Rate5.50%
APR5.52%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.25%
5.53%
▼
Rate5.25%
APR5.53%
Points1.125
UpdatedApr 4, 2026
Details
No additional details available.
First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
103 N Nordic Dr, Craig, AK 99801
Alaska Housing 15 Year Fixed Rate Rural Property
5.38%
5.53%
▼
Rate5.38%
APR5.53%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1 W California Blvd, Altadena, CA 90012 4671
15-Year Fixed Rate Mortgages
15
5.25%
5.54%
▼
Rate5.25%
APR5.54%
Points0.000
UpdatedMar 26, 2026
Details
Conforming (Loan amounts up to $832,750)
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA 50022 1128
15 Year Fixed
5.38%
5.54%
▼
Rate5.38%
APR5.54%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA 52235
15 Year Fixed Rate Loan 30 Day Lock*
5.50%
5.54%
▼
Rate5.50%
APR5.54%
Points0.000
UpdatedMar 27, 2026
Details
$300,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA 52235
15 Year Fixed Rate Loan 60 Day Lock
5.50%
5.54%
▼
Rate5.50%
APR5.54%
Points0.000
UpdatedMar 27, 2026
Details
$300,000
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
15 Year Fixed
15
5.25%
5.54%
▼
Rate5.25%
APR5.54%
Points1.000
UpdatedApr 3, 2026
Details
No additional details available.
First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1311 S Neil St, Champaign, IL 61801
15 Year Fixed
15 Year
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH 44070
15 Year Fixed-Rate Mortgage-Loan
15
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 4, 2026
Details
UP TO 85% LTV
Osgood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
165 East Lake Street, Chickasaw, OH 43331
15-Year Fixed Rate Mortgage
15-Year
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 2, 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
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 2, 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
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 27, 2026
Details
Loan Amount: $300,000
First County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1006 Post Rd, Darien, CT 06820
15 Year Fixed Rate Mortgage
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, ID 83402
15 Year Fixed Loan
5.25%
5.55%
▼
Rate5.25%
APR5.55%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD 21133 4706
15-year fixed rate
5.38%
5.55%
▼
Rate5.38%
APR5.55%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1615 Route 9 N, Cape May Court House, NJ 08210
15 Year Fixed Rate
15
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Super Conforming 15 Year Fixed
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.375
UpdatedApr 4, 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
15
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
133 N Richmond St, Appleton, WI 54911 4635
15 Year Fixed
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedApr 8, 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 03/10/2026.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
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
UpdatedApr 4, 2026
Details
Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15-Year
5.50%
5.58%
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedApr 4, 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
5.50%
5.58%
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
100 Chapman Farm Blvd, Beloit, WI 53105
15-year Fixed
5.50%
5.58%
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedApr 8, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1012 Yellowstone Ave, Albuquerque, AZ 59105
15-year fixed (new purchase)
5.38%
5.59%
▼
Rate5.38%
APR5.59%
Points0.000
UpdatedApr 6, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
10230 Two Notch Rd, Batesburg, SC 29006 2125
15 Year Fixed
5.38%
5.59%
▼
Rate5.38%
APR5.59%
Points0.000
UpdatedApr 5, 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
UpdatedApr 3, 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
5.50%
5.59%
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 3, 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
UpdatedApr 3, 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%
5.60%
▼
Rate5.38%
APR5.60%
Points1.000
UpdatedApr 2, 2026
Details
No additional details available.
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 Walnut Grove Dr, Allentown, MD 08034
15-Year Fixed
5.50%
5.60%
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
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
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 4, 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
5.38%
5.61%
▼
Rate5.38%
APR5.61%
Points1.000
UpdatedApr 4, 2026
Details
No additional details available.
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
110 McIndoe St, Wausau, WI 54401
15 Year Fixed Rate
180
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMar 25, 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
5.25%
5.61%
▼
Rate5.25%
APR5.61%
Points1.000
UpdatedApr 3, 2026
Details
No additional details available.
Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
215 S Washington Ave, Abbotsford, WI 54405
15-Year Fixed
15 Years
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 8, 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
15
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Conforming Home Loans 15-Year Fixed
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Home Loans - Conforming 15-Year Fixed
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
10161 W Grand Parkway, Cypress, TX 77040 6229
15 Year Fixed
15 Year
5.38%
5.62%
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
10161 W Grand Parkway, Cypress, TX 77040 6229
Cash Out Refinances 15 Year Fixed
5.38%
5.62%
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
100 Nicolls Rd, Bellmore, NY 11214
15 Year Fixed Rate
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA 20186
Conforming 15 year fixed
15
5.78%
5.62%
▼
Rate5.78%
APR5.62%
Points0.000
UpdatedApr 6, 2026
Details
Interest Rate of 5.775% with a .25% reduction
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA 52202
15-Year Fixed
180
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Mi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3707 W Maple Rd, Bloomfield Township, MI 48301
15-Year Fixed
5.38%
5.62%
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
1 Corporate Dr Ste 102, Brooklyn Center, IL 53532
15-year Fixed-Rate
15-year
5.38%
5.62%
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedApr 8, 2026
Details
As Low As
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
112 Boston Ave, Bethel, CT 06468
15 Year Fixed Rate
15
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Aibonito, AR 00610 9807
15-Year Fixed Mortgage
5.62%
5.62%
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details
As Low As; POINTS MAY APPLY
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Super Conforming 15 Year Fixed
5.62%
5.62%
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
237 Dayton Ave, Clifton, NJ 07011
15-Year Fixed
5.62%
5.62%
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Hill District Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.81%
2021 Centre Ave, Pittsburgh, PA 15219 6301
15-Year Fixed
15
5.00%
5.63%
▼
Rate5.00%
APR5.63%
Points0.000
UpdatedApr 5, 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
UpdatedApr 3, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO 63011
15 Year Fixed
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
15 Year Fixed
15
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
15-Year Fixed Rate Residential Mortgage
5.50%
5.63%
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedApr 3, 2026
Details
Additional Terms
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Hilo, GU 96720
15 Year Fixed Rate
5.12%
5.64%
▼
Rate5.12%
APR5.64%
Points1.875
UpdatedApr 3, 2026
Details
No additional details available.
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
UpdatedMar 26, 2026
Details
No additional details available.
First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
103 N Nordic Dr, Craig, AK 99801
Alaska Housing 15 Year Fixed Rate Taxable First Time Homebuyer
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedApr 4, 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
UpdatedApr 3, 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
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedApr 3, 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
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
100 Pittsburgh St, Avon, MD 15017
15 Year Fixed Rate
15 Year
5.62%
5.67%
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
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
UpdatedMar 26, 2026
Details
No additional details available.
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1172 River St, Boston, MA 02108
15 Year Fixed**
15 Year
5.62%
5.67%
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedApr 2, 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
UpdatedMar 27, 2026
Details
Loan Amount: $200,000
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Burlington, NC 07110
15-Year Fixed
15-Year Term
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Winnebago Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2060 Witzel Ave, Neenah, WI 54901
15 Year Fixed
5.49%
5.68%
▼
Rate5.49%
APR5.68%
Points0.000
UpdatedApr 8, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1 Mercedes Dr, Birmingham, AL 32507 8703
15 Year Fixed, First Mortgage
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.500
UpdatedMar 25, 2026
Details
Loan to Value %: 80%
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
15-Year Fixed
15
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1306 5th St, Cedar Falls, IA 50266
15 Year Fixed Rate Mortgage Loan
15 Year
5.62%
5.68%
▼
Rate5.62%
APR5.68%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA 95628 3539
15 Year Fixed
15 Year
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points1.000
UpdatedMar 27, 2026
Details
No additional details available.
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
125 Boston Post Rd, Bozrah, CT 06333
15 Year Fixed Conventional FNMA
15 Year
5.45%
5.68%
▼
Rate5.45%
APR5.68%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1100 NE Weidler St, Albany, OR 97005
15 year fixed rate
15 year
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.625
UpdatedApr 6, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
100 Springcrest Dr, Boiling Springs, NC 28110
15-Year Fixed
15
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points1.000
UpdatedApr 5, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.38%
5.69%
▼
Rate5.38%
APR5.69%
Points1.000
UpdatedApr 6, 2026
Details
No additional details available.
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
130 Griffin Bell Dr, Clarksville, KY 37040 1620
Conventional 15 Year Fixed Loan
5.50%
5.69%
▼
Rate5.50%
APR5.69%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Beardstown, IA 50220
15 Year Fixed Rate Mortgage Loans
15 Year
5.49%
5.69%
▼
Rate5.49%
APR5.69%
Points0.000
UpdatedMar 26, 2026
Details
No additional details available.
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
133 N Bridge St, Aberdeen, MD 21001
15 Year Fixed
5.50%
5.69%
▼
Rate5.50%
APR5.69%
Points1.000
UpdatedApr 2, 2026
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1100 NE Weidler St, Albany, OR 97005
15 year fixed rate
5.50%
5.69%
▼
Rate5.50%
APR5.69%
Points0.625
UpdatedApr 6, 2026
Details
No additional details available.
Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
111 Lower Mill Bay Rd, Anchorage, AK 99501 3411
15-Year Fixed
5.38%
5.69%
▼
Rate5.38%
APR5.69%
Points0.000
UpdatedApr 8, 2026
Details
Based on a $100,000 loan for the specified term
DMB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10 Terrace Ct, Deforest, WI 53532
15 Year Fixed Rate Program
5.62%
5.69%
▼
Rate5.62%
APR5.69%
Points0.000
UpdatedApr 4, 2026
Details
Serviced by DMB
1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA 94501
15 Year Fixed
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
117 W Russell Rd, Dayton, OH 45365
15 Year Fixed Rate
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 3, 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
UpdatedApr 3, 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
UpdatedApr 3, 2026
Details
No additional details available.
Marion Center Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.35%
106 W Main St, Big Run, PA 15701
15 Year Fixed: Purchase/Refinance
15
5.65%
5.70%
▼
Rate5.65%
APR5.70%
Points0.000
UpdatedApr 3, 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
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
115 W Oklahoma Ave, Elm Grove, WI 53066
15 Year Fixed Rate
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 8, 2026
Details
No additional details available.
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
115 W Oklahoma Ave, Elm Grove, WI 53066
15-Year Fixed Rate Purchase
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 8, 2026
Details
As Low As
University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
115 W Oklahoma Ave, Elm Grove, WI 53066
15-Year Fixed Rate Refi
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 8, 2026
Details
As Low As; Rate
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, Albuquerque, AZ 83440
15 Year Fixed
5.50%
5.71%
▼
Rate5.50%
APR5.71%
Points0.375
UpdatedApr 6, 2026
Details
As Low As
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
130 Sunrise Ave, Elk Grove, CA 95356 0542
15-Year Fixed(3)
15
5.50%
5.71%
▼
Rate5.50%
APR5.71%
Points0.000
UpdatedMar 25, 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
5.50%
5.71%
▼
Rate5.50%
APR5.71%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, FL 33009
15 Year Fixed
5.69%
5.71%
▼
Rate5.69%
APR5.71%
Points0.000
UpdatedMar 29, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.38%
5.71%
▼
Rate5.38%
APR5.71%
Points0.000
UpdatedMar 27, 2026
Details
Fixed 180 Months
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY 10566 2801
Biweekly 15 Year Fixed
5.75%
5.72%
▼
Rate5.75%
APR5.72%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
1025 S Carroll Ave, Berkeley, CA 46360
15 Year Fixed Rate
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMar 27, 2026
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94114 3704
15 Year Fixed Rate Mortgage
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points1.000
UpdatedMar 24, 2026
Details
No additional details available.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1097 NW 32nd Street, Chickasha, OK 73018 6011
15 Year Fixed Mortgage
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedApr 4, 2026
Details
As Low As
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1385 Fremont Ave, Blackfoot, ID 83201
15 Year Fixed Mortgage
15
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 29, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.500
UpdatedApr 6, 2026
Details
No additional details available.
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
100 W State St, Bear, DE 19008
15-Year Fixed Rate
15
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
15 Year Fixed
15
5.50%
5.74%
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
15 Year Fixed First Mortgage Loan
15
5.50%
5.74%
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
15 Year Fixed First Mortgage Loans
15 Year
5.50%
5.74%
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
First Mortgage Loans 15 Year Fixed
5.50%
5.74%
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Everett, MA 02127
15 Year Fixed Rate Mortgage Loan
15
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedMar 27, 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
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
133 Brock St, Dover, NH 03820
15-Year Fixed
15
5.62%
5.75%
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
The Peoples Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ernie Drive, Arena, WI 53503
15 Year Fixed Rate
5.62%
5.75%
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Oakdale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
128 E Badger Dr, Mauston, WI 53948
15 Year Fixed
180
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedMar 28, 2026
Details
First Mortgage - Primary Residence Only
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, MO 65101
15-Year Fixed Rate Loan
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
237 Dayton Ave, Clifton, NJ 07011
15-Year Fixed
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
1360 Route 9, Freehold, NJ 07728
15 Year Fixed Conforming
15 Year
5.62%
5.75%
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
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
5.38%
5.75%
▼
Rate5.38%
APR5.75%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ 07054
15-Year Fixed
15
5.50%
5.76%
▼
Rate5.50%
APR5.76%
Points0.000
UpdatedApr 3, 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
UpdatedApr 3, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
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
UpdatedApr 4, 2026
Details
Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR 97031 1961
15 Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.500
UpdatedApr 4, 2026
Details
No additional details available.
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11172 S Lone Elm Rd, Bartlesville, KS 66046
Conventional 15 Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
1811 El Camino Real, Burlingame, CA 94010
Conforming 15 Year Fixed Rate
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD 20903 1058
Conventional 15-Year Fixed Rate
5.37%
5.78%
▼
Rate5.37%
APR5.78%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
1161 16TH AVENUE CT SE, Bettendorf, IA 52001
15 Year Fixed
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 25, 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
UpdatedApr 3, 2026
Details
No additional details available.
First Bank Ketchikan, AK
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
103 N Nordic Dr, Craig, AK 99801
Alaska Housing 15 Year Fixed Rate Taxable
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, DC 20548 0001
Made to Match - 15 Year Fixed
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 6, 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
UpdatedApr 3, 2026
Details
20% Down
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
UpdatedApr 4, 2026
Details
As Low As
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1029 Pittsburgh Ave, Erie, PA 16417 1122
15 Year Fixed Rate Primary Residence
5.50%
5.79%
▼
Rate5.50%
APR5.79%
Points0.250
UpdatedMar 29, 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
15
5.62%
5.79%
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Lakewood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1305 State Highway 102, Rib Lake, WI 54470
15-Year Fixed
5.70%
5.79%
▼
Rate5.70%
APR5.79%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.62%
5.79%
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMar 27, 2026
Details
Fixed 180 Months
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1030 Makolu St, Aiea, HI 96701
15-Year Fixed
5.25%
5.79%
▼
Rate5.25%
APR5.79%
Points2.125
UpdatedMar 25, 2026
Details
No additional details available.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points1.000
UpdatedMar 28, 2026
Details
No additional details available.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA 24012 7209
15 Year Fixed Refinance
5.50%
5.80%
▼
Rate5.50%
APR5.80%
Points0.750
UpdatedMar 28, 2026
Details
No additional details available.
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 Ferrari Ranch Rd, Antelope, CA 95610
15-Year Fixed
5.75%
5.80%
▼
Rate5.75%
APR5.80%
Points0.500
UpdatedMar 28, 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
UpdatedApr 2, 2026
Details
No additional details available.
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
1105 N Dutton Ave, Clearlake, CA 94559 1047
15 Year Fixed
5.75%
5.80%
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Alabama One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1000 Jack Warner Pkwy NE, Brewton, AL 35111
15 year Fixed
5.50%
5.80%
▼
Rate5.50%
APR5.80%
Points0.000
UpdatedMar 25, 2026
Details
As Low As
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1 Carmichael St, Barre, VT 05401 4441
15 Year Fixed Rate
15
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
106 Main St, Appleton, WI 54106 9586
15 Year Fixed
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedApr 2, 2026
Details
As Low As
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA 98225
15-Year Fixed
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.625
UpdatedApr 8, 2026
Details
No additional details available.
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
135 N Washington Ave, Bergenfield, NJ 07605
15 Year Fixed
5.62%
5.81%
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedApr 3, 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
UpdatedApr 3, 2026
Details
No additional details available.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
15-Year Fixed
180
5.75%
5.81%
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
15-Year Fixed-Rate Mortgage Refinance
180
5.75%
5.81%
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY 14801
15 Year Fixed
15
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
100 W 200 N, Helper, UT 84066 5004
15-year Fixed
5.50%
5.82%
▼
Rate5.50%
APR5.82%
Points0.000
UpdatedMar 29, 2026
Details
No additional details available.
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
15 Year Fixed Rate
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 5, 2026
Details
No additional details available.
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
106 E Main St, Bellingham, WA 98225
15-Year Fixed
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.625
UpdatedApr 8, 2026
Details
No additional details available.
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1095 Westford St, Billerica, MA 01463
15 Year Fixed
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY 10017
15 Year Fixed
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 26, 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
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
200 S LAUREL AVE, HAZLET, NJ 07724
15-Year Fixed Mortgage
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 5, 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
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 26, 2026
Details
No additional details available.
Port Washington State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
10509 N Port Washington Rd, Belgium, WI 53004
15 Year Fixed Rate
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1130 CLEAVER RD, BAD AXE, MI 48304 1187
15 Year Fixed
15 Year
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
331 Montvale Ave, Everett, MA 01801
15 Year Fixed Rate
15
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94114 3704
15 Year Fixed Rate Mortgage
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 Professional Plz, Alton, FL 34103
15 Year Fixed Rate Mortgage
15
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 Professional Plz, Alton, FL 34103
15 Year Fixed Rate
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
1105 N Dutton Ave, Clearlake, CA 94559 1047
15 Year Fixed
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 6, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10025 Baltimore National Pike, Annapolis, MD 20740
15 Year Fixed
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.875
UpdatedApr 8, 2026
Details
No additional details available.
Hoosier Hills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
3010 Newton St, Bedford, IN 47025
15-Year Fixed Rate
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.000
UpdatedMar 27, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD 21001 1733
15 Year Fixed
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.250
UpdatedApr 4, 2026
Details
No additional details available.
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1 Carmichael St, Barre, VT 05401 4441
15 Year Fixed Rate
15
5.50%
5.84%
▼
Rate5.50%
APR5.84%
Points1.000
UpdatedApr 6, 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
UpdatedApr 3, 2026
Details
No additional details available.
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1116 S 14th St, Bettendorf, IA 52722
Fixed Rate Mortgage - 15 Year Fixed Rate
5.75%
5.84%
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.75%
5.84%
▼
Rate5.75%
APR5.84%
Points1.000
UpdatedMar 28, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY 14801
15 Year Fixed
15
5.62%
5.84%
▼
Rate5.62%
APR5.84%
Points1.000
UpdatedApr 4, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH 43016 3248
15 Year Fixed
180 mos.
5.62%
5.84%
▼
Rate5.62%
APR5.84%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI 49047 1541
15 Year Fixed-Rate Purchase
5.62%
5.85%
▼
Rate5.62%
APR5.85%
Points0.125
UpdatedApr 5, 2026
Details
No additional details available.
Marion Center Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.35%
106 W Main St, Big Run, PA 15701
15 Year Fixed: Construction
15
5.65%
5.85%
▼
Rate5.65%
APR5.85%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
FNC Bank Richmond, WI
Institution Rating:
A5.0 ★Texas Ratio: 11.93%
109 E 2nd St, Dresser, WI 54009
15 Year Fixed
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 2, 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
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1000 S Mays St, Austin, TX 76548 1745
15-Year Fixed
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 4, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1000 S Mays St, Austin, TX 76548 1745
15-Year Fixed Refinance
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 4, 2026
Details
As Low As
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
455 Beach 129th St, Belle Harbor, NY 10462
15 Year Fixed-Rate Buydowns
15 Years
5.38%
5.85%
▼
Rate5.38%
APR5.85%
Points2.000
UpdatedApr 2, 2026
Details
No additional details available.
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed Rate
15
5.50%
5.85%
▼
Rate5.50%
APR5.85%
Points2.000
UpdatedMar 28, 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
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1300 New York Ave NW, Washington, DC 20577 0001
15-Year Fixed
15
5.62%
5.85%
▼
Rate5.62%
APR5.85%
Points0.000
UpdatedApr 5, 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
5.50%
5.85%
▼
Rate5.50%
APR5.85%
Points1.000
UpdatedMar 26, 2026
Details
No additional details available.
CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
100 E Main St, Black River Falls, WI 54603 2354
15 Year Fixed Rate (Secondary Market)
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1008 N Shawano St, Greenville, WI 54170
15 Year Fixed Rate
5.75%
5.85%
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1 Carmichael St, Barre, VT 05401 4441
15 Year Fixed
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedApr 6, 2026
Details
Loans $832,751 - $1,249,125
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
409 Amherst St, Bedford, NH 03063
15 Year Fixed
5.38%
5.86%
▼
Rate5.38%
APR5.86%
Points2.000
UpdatedMar 25, 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
UpdatedApr 4, 2026
Details
No additional details available.
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1007 Bowles Ave, Arnold, MO 63010
15-Year Fixed Conventional
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
102 N Seven Oaks Dr, Alcoa, TN 37601
15-Year Fixed Rate
15
5.50%
5.87%
▼
Rate5.50%
APR5.87%
Points0.000
UpdatedMar 24, 2026
Details
As Low As
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
102 N Seven Oaks Dr, Alcoa, TN 37601
15-Year Fixed-Rate Mortgage
5.50%
5.87%
▼
Rate5.50%
APR5.87%
Points0.000
UpdatedMar 24, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK 98188 5164
15 Year Fixed
5.62%
5.87%
▼
Rate5.62%
APR5.87%
Points0.000
UpdatedApr 4, 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
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1010 Moore St, Allegan, MI 49002
15 Year Fixed
5.62%
5.87%
▼
Rate5.62%
APR5.87%
Points0.750
UpdatedMar 27, 2026
Details
As Low As
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
100 S Broadway St, Andover, AR 66044
15-Year Fixed
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 27, 2026
Details
No additional details available.
Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed
5.50%
5.87%
▼
Rate5.50%
APR5.87%
Points2.000
UpdatedMar 28, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11 Steuben St, Addison, NY 14801
15 Year Fixed
15
5.50%
5.87%
▼
Rate5.50%
APR5.87%
Points2.000
UpdatedApr 4, 2026
Details
No additional details available.
Powered by
MonitorBankRates
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.
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.
15-Year Fixed — National Avg
6.052%
▼ 0.042% from last week
The 15-year fixed rate fell 0.042 points over the past 7 days to 6.052%, down from 6.093% last week.
Quick Reference — April 2026
Est. payment ($400k loan): $3,387/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 Apr 9, 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?
- HawaiiUSA Federal Credit Union: 4.25% (15 Year Fixed Rate)
- Crews Bank & Trust: 5.00% (15-Year Fixed)
- MembersAlliance Credit Union: 4.75% (15 Year Fixed Rate)
- First Priority Credit Union Boston, MA: 5.25% (15 Year Fixed)
- Iron Workers SB: 5.12% (15 Year Fixed Rate)
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: April 8, 2026
More Mortgage Rate Options
30-Year Fixed Mortgage Rates
Best for long-term stability
15-Year Fixed Mortgage Rates
Build equity faster
30-Year Jumbo Mortgage Rates
Loans above conforming limits
15-Year Jumbo Mortgage Rates
Shorter term, high-balance
3/1 ARM Rates
3-year fixed, then adjusts
5/1 ARM Rates
5-year fixed, then adjusts
7/1 ARM Rates
7-year fixed, then adjusts
3/1 Jumbo ARM Rates
Short-term jumbo ARM
5/1 Jumbo ARM Rates
Mid-term jumbo ARM
7/1 Jumbo ARM Rates
Longer-term jumbo ARM
VA Mortgage Rates
For eligible veterans & service members
FHA Mortgage Rates
Low down payment government loans
Rate Assistant
MonitorBankRates.com · Live Data
Try asking