What is a fixed-rate mortgage?

A fixed-rate mortgage charges a set interest rate that does not change throughout the life of the loan.

What is the difference between an interest rate and APR?

The interest rate is the cost of borrowing the principal loan amount. The APR includes the interest rate plus other costs such as broker fees and closing costs.

How does my credit score affect my mortgage rate?

Your credit score is a major factor. Generally, borrowers with higher credit scores (760+) receive the lowest interest rates.

What is a 30-year vs. 15-year mortgage?

A 30-year mortgage has lower monthly payments but more interest paid over time. A 15-year mortgage has higher monthly payments, but you pay off the loan faster.

Current Mortgage Rates Across the United States

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Mortgage Rates

Compare the Best Mortgage Rates

Current mortgage rates in the Nation include OlyFed Olympia Federal S&L 4.75%; OlyFed Olympia Federal S&L 4.75%; HawaiiUSA Federal Credit Union 4.75%; First Citizens Federal Credit Union 5.00% and Aloha Pacific Federal Credit Union 5.00%.

Finding the lowest mortgage rate can save you thousands of dollars over the life of your loan. Whether you are buying a new home or refinancing, it is crucial to compare current rates from multiple lenders. We track 30-year fixed, 15-year fixed, and ARM rates from banks and credit unions nationwide to help you find the best deal.

The following rates reflect recent market quotes. Mortgage rates change daily based on market conditions. Last Updated: February 15, 2026

Current National Mortgage Rates

Lender

Product

Rate

APR

OlyFed Olympia Federal S&L Belfair, WA

Affordable Home Loan Program (30-Year Fixed)

4.75%

4.81%

▼

Details:

Updated: February 14, 2026

OlyFed Olympia Federal S&L Belfair, WA

30-Year Fixed (Affordable Construction Program)

4.75%

4.84%

▼

Details:

Updated: February 14, 2026

HawaiiUSA Federal Credit Union Aiea, HI

30 Year Fixed Rate

4.75%

5.08%

▼

Details:

Updated: February 15, 2026

First Citizens Federal Credit Union East Wareham, MA

30-Year Fixed

5.00%

5.08%

▼

Details: Minimum Down Payment: 5%, Estimated Payment Per $1,000: $5.37

Updated: February 10, 2026

Aloha Pacific Federal Credit Union Aiea, HI

30 Year Mortgage

5.00%

5.21%

▼

Details:

Updated: February 4, 2026

HawaiiUSA Federal Credit Union Aiea, HI

30 Year Fixed Rate

5.00%

5.22%

▼

Details:

Updated: February 15, 2026

Northfield Bank Avenel, NJ

30 Year Fixed Rate Affordable Mortgage

5.25%

▼

Details:

Updated: February 14, 2026

Aloha Pacific Federal Credit Union Aiea, HI

30 Year Mortgage

5.00%

5.28%

▼

Details:

Updated: February 4, 2026

Northfield Bank Avenel, NJ

30 Year Fixed Rate Affordable Mortgage

5.25%

5.30%

▼

Details: APR denotes "Annual Percentage Rate". Payments do not include real estate taxes or insurance, therefore actual payment obligations will be greater. Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income. Refer to the Income Chart or speak with a mortgage team member to learn more. All loans are subject to credit approval. A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Rates and terms are current as 11/24/25 and are subject to change at anytime without prior notice.

Updated: February 14, 2026

FedFinancial Federal Credit Union Silver Spring, MD

FHA 30-Year Fixed Rate

4.98%

5.39%

▼

Details:

Updated: February 15, 2026

Peoples Trust Co. of St. Albans Enosburg Falls, VT

Primary Residence 30 Year Fixed Rate

5.38%

5.40%

▼

Details:

Updated: February 14, 2026

Hills Bank and Trust Company Cedar Rapids, IA

30 Year Fixed Rate Loan

5.38%

5.40%

▼

Details: 30 Day Lock*

Updated: February 13, 2026

HawaiiUSA Federal Credit Union Aiea, HI

30 Year Fixed Rate

5.25%

5.40%

▼

Details:

Updated: February 15, 2026

Hills Bank and Trust Company Cedar Rapids, IA

30 Year Fixed Rate Loan

5.38%

5.41%

▼

Details: 30 Day Lock*

Updated: February 13, 2026

Hills Bank and Trust Company Cedar Rapids, IA

30 Year Fixed Rate Loan

5.38%

5.44%

▼

Details: 30 Day Lock*

Updated: February 13, 2026

Disclaimer

Methodology & Data Sources

National Rate Tracking

We monitor mortgage and refinance rates from hundreds of financial institutions across the United States, including online-only lenders, national brick-and-mortar banks, and federal credit unions. Our proprietary technology scans daily to ensure you see the most competitive APRs available nationwide.

Data Accuracy & Safety

The rates displayed on this page reflect current market offers available to U.S. borrowers. We prioritize data from reputable, licensed lenders (including FDIC and NCUA insured institutions).

Disclaimer: Mortgage rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.

Frequently Asked Questions

What is a fixed-rate mortgage?

A fixed-rate mortgage charges a set interest rate that does not change throughout the life of the loan.
What is the difference between an interest rate and APR?

The interest rate is the cost of borrowing the principal loan amount. The APR includes the interest rate plus other costs such as broker fees and closing costs.
How does my credit score affect my mortgage rate?

Your credit score is a major factor. Generally, borrowers with higher credit scores (760+) receive the lowest interest rates.
What is a 30-year vs. 15-year mortgage?

A 30-year mortgage has lower monthly payments but more interest paid over time. A 15-year mortgage has higher monthly payments, but you pay off the loan faster.

Current Mortgage Rates Across the United States

Compare the Best Mortgage Rates

Current National Mortgage Rates

Methodology & Data Sources

National Rate Tracking

Data Accuracy & Safety

Frequently Asked Questions

What is a fixed-rate mortgage?

What is the difference between an interest rate and APR?

How does my credit score affect my mortgage rate?

What is a 30-year vs. 15-year mortgage?

Mortgage Rates by State