Best VA Mortgage Rates Today April 2026 | As Low As 4.75%
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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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 VA mortgage rate mortgage market includes offers such as Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union1015 WARNER AVE, Athol, ID 83501A+5.0 ★Texas Ratio: 4.34% offering 15 Year VA Loan at 4.75%, and Ent Credit UnionEnt Credit Union1 Mount Baldy Dr, Aurora, CO 80011 7809A+5.0 ★Texas Ratio: 4.95% offering VA 15-Year Fixed at 5.00%, and Credit Union West Credit UnionCredit Union West Credit Union10150 W Desert River Blvd, Avondale, AZ 85008 2442A+5.0 ★Texas Ratio: 3.00% offering 15 Year VA at 5.25%, and One Nevada Credit UnionOne Nevada Credit Union1090 W Sunset Rd Ste B, Henderson, NV 89014 6678A+5.0 ★Texas Ratio: 1.18% offering Refi VA 30 Year Fixed at 5.38%, and Credit Union of America Credit UnionCredit Union of America Credit Union10222 E Harry St, Derby, KS 66502 3469A+5.0 ★Texas Ratio: 4.14% offering 30 Year VA at 5.62%.
The VA mortgage rate mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable institution with confidence.
VA Mortgage Rate 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 27, 2026
VA Mortgage Rate 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.
VA Mortgage Rate — National Avg
6.248%
Unchanged vs 7 days ago
The national VA mortgage rate mortgage rate currently averages 6.248% from 8,500+ lenders.
Quick Reference — April 2026
Est. payment ($400k loan): $2,462/mo
Loan type: VA Fixed (30-year term)
Best for: No down payment, veterans and service members
Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions
As of Apr 29, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
Powered by
MonitorBankRates
Compare VA Mortgage Rates Nationwide
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID 83501
15 Year VA Loan
15
4.75%
5.04%
▼
Rate4.75%
APR5.04%
Points0.000
UpdatedApr 19, 2026
Address1015 WARNER AVE, Athol, ID 83501
Details
As Low As
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 Mount Baldy Dr, Aurora, CO 80011 7809
VA 15-Year Fixed
5.00%
5.41%
▼
Rate5.00%
APR5.41%
Points0.000
UpdatedApr 19, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID 83501
30 Year VA Loan
30
5.25%
5.42%
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedApr 19, 2026
Address1015 WARNER AVE, Athol, ID 83501
Details
As Low As
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ 85008 2442
15 Year VA
15 Year
5.25%
5.70%
▼
Rate5.25%
APR5.70%
Points1.875
UpdatedApr 19, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
Details
No additional details available.
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Refi VA 30 Year Fixed
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedApr 19, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Details
No additional details available.
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
VA 30 Year Fixed
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedApr 19, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Details
No additional details available.
Credit Union of America Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
10222 E Harry St, Derby, KS 66502 3469
30 Year VA
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedApr 18, 2026
Address10222 E Harry St, Derby, KS 66502 3469
Details
No additional details available.
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN 55304
VA IRRRL 30-Year Fixed
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedApr 19, 2026
Address10750 France Ave S, Andover, MN 55304
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN 53110 2611
VA 30-Year Fixed
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.000
UpdatedApr 19, 2026
Address1400 Riverwood Dr, Bloomington, MN 53110 2611
Details
No additional details available.
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Cedar City, UT 84624
VA 30-Year Fixed Rate
30 Years
5.49%
5.80%
▼
Rate5.49%
APR5.80%
Points0.000
UpdatedApr 22, 2026
Address122 S Main St, Cedar City, UT 84624
Details
No additional details available.
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
VA Purchase Refinance
15 Year
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
VA Purchase / Refinance 5
15 Year
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, DC 20548 0001
VA 30 Year Fixed
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points0.000
UpdatedApr 17, 2026
Address170 Bluestone Dr, Alexandria, DC 20548 0001
Details
No additional details available.
Piney Hills Federal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2735 Martha St, Simsboro, LA 71275
VA 30 Year Fixed
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points0.000
UpdatedApr 18, 2026
Address2735 Martha St, Simsboro, LA 71275
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Charlotte, NC 28052
VA 30 Year Fixed
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points0.000
UpdatedApr 18, 2026
Address1207 Bessemer City Rd, Charlotte, NC 28052
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
100 W Church St, Bossier City, AR 71019
VA 30 Year Fixed
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points0.000
UpdatedApr 18, 2026
Address100 W Church St, Bossier City, AR 71019
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA 23801
VA 30 Year Fixed
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points0.000
UpdatedApr 25, 2026
Address13200 Bermuda Orchard Lane, Chester, VA 23801
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2440 Market St NE Ste 901, Alexandria, DC 20018
VA 30 Year Fixed
5.63%
5.86%
▼
Rate5.63%
APR5.86%
Points0.000
UpdatedApr 17, 2026
Address2440 Market St NE Ste 901, Alexandria, DC 20018
Details
No additional details available.
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 W Thousand Oaks Blvd, Camarillo, CA 91360 4458
15 Year Fixed VA
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.500
UpdatedApr 19, 2026
Address18 W Thousand Oaks Blvd, Camarillo, CA 91360 4458
Details
As Low As
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 Mount Baldy Dr, Aurora, CO 80011 7809
VA 30-Year Fixed
5.62%
5.87%
▼
Rate5.62%
APR5.87%
Points0.000
UpdatedApr 19, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details
No additional details available.
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN 55304
VA 30-Year Fixed
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedApr 19, 2026
Address10750 France Ave S, Andover, MN 55304
Details
No additional details available.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1101 N Bishop Ave, Fort Leonard Wood, MO 65065 3276
VA Loan
10 - 30 Years
5.75%
5.89%
▼
Rate5.75%
APR5.89%
Points0.000
UpdatedApr 19, 2026
Address1101 N Bishop Ave, Fort Leonard Wood, MO 65065 3276
Details
As Low As
USAA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3773 Howard Hughes Pkwy, Las Vegas, NV 89169
VA purchase loan
5.62%
5.93%
▼
Rate5.62%
APR5.93%
Points0.781
UpdatedApr 16, 2026
Address3773 Howard Hughes Pkwy, Las Vegas, NV 89169
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 78288
VA purchase loan
5.62%
5.93%
▼
Rate5.62%
APR5.93%
Points0.781
UpdatedApr 16, 2026
Address1 Norterra Dr, Phoenix, AZ 78288
Details
No additional details available.
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
1028 Middleton Rd, Aberdeen, MD 21001 2281
Home loan VA 30 Year Fixed
5.66%
5.97%
▼
Rate5.66%
APR5.97%
Points0.000
UpdatedApr 19, 2026
Address1028 Middleton Rd, Aberdeen, MD 21001 2281
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
15-Year VA Fixed-Rate, Conventional
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedApr 27, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
Details
starting at
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1210 Greenview Dr, Daleville, VA 24012 2226
VA 30 Year Fixed
30
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedApr 19, 2026
Address1210 Greenview Dr, Daleville, VA 24012 2226
Details
Important Assumptions
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
110 International Way, Albany, OR 97210
30 Year VA
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedApr 19, 2026
Address110 International Way, Albany, OR 97210
Details
No additional details available.
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
11100 Weymouth Ct, Charlotte Hall, MD 20603
Federal VA 30 Year Fixed Rate
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedApr 17, 2026
Address11100 Weymouth Ct, Charlotte Hall, MD 20603
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
VA 15-year Fixed Purchase
5.38%
6.03%
▼
Rate5.38%
APR6.03%
Points0.000
UpdatedApr 19, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
Details
No additional details available.
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
11400 AL Highway 157, Albertville, AL 35055
30 Year VA
30 Year
5.62%
6.03%
▼
Rate5.62%
APR6.03%
Points0.000
UpdatedApr 18, 2026
Address11400 AL Highway 157, Albertville, AL 35055
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA 23061
30 years VA Loan
30 years
5.88%
6.04%
▼
Rate5.88%
APR6.04%
Points0.250
UpdatedApr 18, 2026
Address1 BayPort Way Ste 105, Chesapeake, VA 23061
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, Albuquerque, AZ 83440
VA 30 Year
5.62%
6.06%
▼
Rate5.62%
APR6.06%
Points0.000
UpdatedApr 18, 2026
Address1001 S 1200 W, Albuquerque, AZ 83440
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1302 S Grandstaff Dr, Angola, IN 28054
30-Year VA
5.75%
6.08%
▼
Rate5.75%
APR6.08%
Points0.000
UpdatedApr 18, 2026
Address1302 S Grandstaff Dr, Angola, IN 28054
Details
No additional details available.
USAA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3773 Howard Hughes Pkwy, Las Vegas, NV 89169
VA cash-out refinance loan
5.62%
6.08%
▼
Rate5.62%
APR6.08%
Points1.115
UpdatedApr 16, 2026
Address3773 Howard Hughes Pkwy, Las Vegas, NV 89169
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 78288
VA cash-out refinance loan
5.62%
6.08%
▼
Rate5.62%
APR6.08%
Points1.115
UpdatedApr 16, 2026
Address1 Norterra Dr, Phoenix, AZ 78288
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
VA 30 year fixed
6.12%
6.11%
▼
Rate6.12%
APR6.11%
Points0.250
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL 60505 1511
30 Year Fixed VA
30
5.75%
6.14%
▼
Rate5.75%
APR6.14%
Points0.000
UpdatedApr 19, 2026
Address1008 N Bridge St, Aurora, IL 60505 1511
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
VA 30-year Fixed PUrchase
5.75%
6.14%
▼
Rate5.75%
APR6.14%
Points0.000
UpdatedApr 19, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD 21001 1733
VA 30 Year Fixed
5.75%
6.14%
▼
Rate5.75%
APR6.14%
Points0.125
UpdatedApr 17, 2026
Address1 Seahawk Dr, Aberdeen, MD 21001 1733
Details
No additional details available.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ 85008 2442
30 Year VA
30 Year
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points1.750
UpdatedApr 19, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
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
VA Loan
6.00%
6.22%
▼
Rate6.00%
APR6.22%
Points0.000
UpdatedApr 27, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details
Interest Rate As Low As; Purchase: 6.000% for 30-Year Fixed; Refinance: 6.000% for 30-Year Fixed
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
VA Loan
6.00%
6.22%
▼
Rate6.00%
APR6.22%
Points0.000
UpdatedApr 27, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details
APR As Low As; Refinance: 6.220% for 30-Year Fixed
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1000 E 32nd St, Alba, MO 64755
30-year fixed VA
5.99%
6.23%
▼
Rate5.99%
APR6.23%
Points0.000
UpdatedApr 22, 2026
Address1000 E 32nd St, Alba, MO 64755
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
VA 30 year fixed
6.25%
6.24%
▼
Rate6.25%
APR6.24%
Points0.000
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
VA 30 Year Fixed Rate
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedApr 18, 2026
Address10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
VA 30 year IRRRL
6.12%
6.25%
▼
Rate6.12%
APR6.25%
Points0.250
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1 Courthouse Way, Bedford, CA 01434
VA Loans
6.00%
6.30%
▼
Rate6.00%
APR6.30%
Points0.000
UpdatedApr 25, 2026
Address1 Courthouse Way, Bedford, CA 01434
Details
30-Year Rates As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
VA Purchase Refinance
20 Year
6.25%
6.31%
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
VA Purchase / Refinance 5
20 Year
6.25%
6.31%
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1280 E League City Pkwy, Alvin, TX 77017
30-year VA Fixed
30-year
5.75%
6.33%
▼
Rate5.75%
APR6.33%
Points0.526
UpdatedApr 18, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
VA 30 year IRRRL
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1280 E League City Pkwy, Alvin, TX 77017
30-year VA Fixed
30-year
5.88%
6.36%
▼
Rate5.88%
APR6.36%
Points-0.677
UpdatedApr 18, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details
No additional details available.
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
VA 30 Year
6.25%
6.37%
▼
Rate6.25%
APR6.37%
Points0.125
UpdatedApr 19, 2026
Address1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
Details
No additional details available.
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1280 E League City Pkwy, Alvin, TX 77017
30-year VA Fixed
30-year
5.49%
6.38%
▼
Rate5.49%
APR6.38%
Points4.103
UpdatedApr 18, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details
No additional details available.
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
110 International Way, Albany, OR 97210
30 Year VA Manufactured Home (no homes on rented land)
6.12%
6.41%
▼
Rate6.12%
APR6.41%
Points0.000
UpdatedApr 19, 2026
Address110 International Way, Albany, OR 97210
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY 40223
VA 30 Year Fixed - Conforming
30
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedApr 19, 2026
Address13246 State Route 176, Drakesboro, KY 40223
Details
No additional details available.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
10169 S Parker Rd, Arvada, CO 80003
30-Year Fixed VA - Purchase
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedApr 19, 2026
Address10169 S Parker Rd, Arvada, CO 80003
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
VA 30
6.25%
6.42%
▼
Rate6.25%
APR6.42%
Points0.000
UpdatedApr 22, 2026
Address1055 W Mercury Blvd, Carrollton, NC 23060 5814
Details
No additional details available.
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
VA Purchase Refinance
30 Year
6.38%
6.43%
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
VA Purchase / Refinance 5
30 Year
6.38%
6.43%
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA 52202
VA Loan
360
6.12%
6.45%
▼
Rate6.12%
APR6.45%
Points0.000
UpdatedApr 22, 2026
Address1100 8th Ave, Alburnett, IA 52202
Details
Contact FSB's Mortgage Department at 319-730-6990 for personalized rate information.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA 52202
VA Loans
360
6.12%
6.45%
▼
Rate6.12%
APR6.45%
Points0.000
UpdatedApr 22, 2026
Address1100 8th Ave, Alburnett, IA 52202
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC 27006
VA 30 Year (VA)
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedApr 27, 2026
Address100 Queens Rd, Advance, NC 27006
Details
No additional details available.
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
10761 Pippin Rd, Blue Ash, OH 45042
30-Year VA
30
6.38%
6.50%
▼
Rate6.38%
APR6.50%
Points0.000
UpdatedApr 19, 2026
Address10761 Pippin Rd, Blue Ash, OH 45042
Details
No additional details available.
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Birmingham, AL 35023 1668
30-Year VA Fixed
5.88%
6.52%
▼
Rate5.88%
APR6.52%
Points0.000
UpdatedApr 19, 2026
Address1 Riverchase Pkwy S, Birmingham, AL 35023 1668
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD 20701
30 Year VA
6.25%
6.53%
▼
Rate6.25%
APR6.53%
Points1.000
UpdatedApr 19, 2026
Address1077 State Route 3 N, Annapolis, MD 20701
Details
As Low As
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
322 Buck Dr, Reno, NV 89436 7731
VA 30 Year Fixed
6.00%
6.53%
▼
Rate6.00%
APR6.53%
Points1.000
UpdatedApr 25, 2026
Address322 Buck Dr, Reno, NV 89436 7731
Details
$350,000 Loan Amount - 740 Credit Score; 100% LTV
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1 Denso Rd, Bangor, MI 49001
VA 30 Year Fixed
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedApr 18, 2026
Address1 Denso Rd, Bangor, MI 49001
Details
No additional details available.
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
10761 Pippin Rd, Blue Ash, OH 45042
15-Year VA
15
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.000
UpdatedApr 19, 2026
Address10761 Pippin Rd, Blue Ash, OH 45042
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD 20701
30 Year VA
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.500
UpdatedApr 19, 2026
Address1077 State Route 3 N, Annapolis, MD 20701
Details
As Low As
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
11153 Telegraph Rd, Brownstown, MI 48134
VA Fixed-Rate Mortgage
15-Year
6.00%
6.60%
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedApr 19, 2026
Address11153 Telegraph Rd, Brownstown, MI 48134
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
11153 Telegraph Rd, Brownstown, MI 48134
VA Fixed-Rate Mortgage
30-Year
6.25%
6.62%
▼
Rate6.25%
APR6.62%
Points0.000
UpdatedApr 19, 2026
Address11153 Telegraph Rd, Brownstown, MI 48134
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD 20701
30 Year VA
6.50%
6.66%
▼
Rate6.50%
APR6.66%
Points0.000
UpdatedApr 19, 2026
Address1077 State Route 3 N, Annapolis, MD 20701
Details
As Low As
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 10547
VA 30 Year Fixed
6.00%
6.66%
▼
Rate6.00%
APR6.66%
Points0.000
UpdatedApr 19, 2026
Address113 Holland Ave, Albany, NY 10547
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
20-Year VA Fixed-Rate, Conventional
6.62%
6.71%
▼
Rate6.62%
APR6.71%
Points0.000
UpdatedApr 27, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
Details
starting at
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
30-Year VA Fixed-Rate, Conventional
6.75%
6.82%
▼
Rate6.75%
APR6.82%
Points0.000
UpdatedApr 27, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
Details
starting at
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
1 Campus Center Way, Amherst, MA 01003
VA 30 Year Fixed
7.12%
7.38%
▼
Rate7.12%
APR7.38%
Points0.000
UpdatedApr 18, 2026
Address1 Campus Center Way, Amherst, MA 01003
Details
No additional details available.
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MonitorBankRates
The VA mortgage rate mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment. Rates are subject to change without notice.
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VA Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every VA mortgage rate mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no national survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
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 VA mortgage rate 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 VA Mortgage Rate Mortgage Rates
What is a VA loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, available to eligible active-duty service members, veterans, and surviving spouses. Because the VA guarantees a portion of the loan against default, participating lenders can offer VA borrowers better terms than conventional loans — including no down payment, no private mortgage insurance (PMI), and competitively low interest rates. VA loans are often the best mortgage available to those who qualify.
Who is eligible for a VA loan?
VA loan eligibility is available to active-duty service members with at least 90 consecutive days of service during wartime or 181 days during peacetime, National Guard and Reserve members with six or more years of service or 90 days of active-duty service, and surviving spouses of service members who died in the line of duty or from a service-connected disability. Eligibility is established through a Certificate of Eligibility (COE) obtained through the VA or your lender.
Do VA loans require a down payment?
No. One of the most significant VA loan benefits is the ability to purchase a home with zero down payment, with no loan limit for eligible borrowers with full entitlement (as of 2020). This allows qualified veterans to buy a home without years of saving for a down payment. A down payment may still be required if you have reduced entitlement from a prior VA loan, or if the purchase price exceeds the county VA loan limit.
What is the VA funding fee?
The VA funding fee is a one-time fee paid to the Department of Veterans Affairs that helps sustain the VA loan program. For first-time users with no down payment, the fee is 2.15% of the loan amount (2.30% for National Guard and Reserve members). It drops to 1.65% with a 5%+ down payment. The fee can be financed into the loan. Certain borrowers are exempt, including veterans receiving VA disability compensation and surviving spouses of veterans who died in service or from a service-connected disability.
Do VA loans require mortgage insurance?
No. VA loans do not require private mortgage insurance (PMI) or any form of monthly mortgage insurance premium, regardless of the down payment amount. This is a major financial advantage over FHA loans (which require MIP for the life of the loan) and conventional loans with less than 20% down (which require PMI). The VA funding fee is a one-time upfront cost, not an ongoing monthly charge.
What credit score do I need for a VA loan?
The VA itself does not set a minimum credit score, but most lenders require a score of 620 or higher. Some lenders will approve VA loans with scores as low as 580, though you may face higher rates or additional requirements. Because the VA guarantee reduces lender risk, VA loans are generally more forgiving of imperfect credit than conventional mortgages. Shopping multiple VA-approved lenders is important since credit requirements vary.
What is a VA IRRRL (Interest Rate Reduction Refinance Loan)?
The VA IRRRL, also called a VA Streamline Refinance, allows existing VA loan holders to refinance to a lower interest rate with minimal paperwork and no appraisal or income verification in most cases. To qualify, you must already have a VA loan, and the refinance must result in a lower interest rate (or move from an adjustable to a fixed rate). The IRRRL is one of the simplest refinance options available and typically closes faster than a standard refinance.
How does a VA loan compare to a conventional or FHA loan?
For eligible borrowers, VA loans typically offer the best overall terms. Compared to conventional loans, VA loans allow zero down payment with no PMI, often have lower interest rates, and are more flexible on credit. Compared to FHA loans, VA loans have no ongoing mortgage insurance, making them significantly less expensive over time. The main trade-off is that VA loans require military service eligibility and charge a funding fee — though the fee is often offset quickly by the savings from no PMI.
How are VA mortgage rates determined?
VA mortgage rates are influenced by the same broad market forces as other mortgage types — particularly 10-year U.S. Treasury yields, Federal Reserve policy, and investor demand for mortgage-backed securities. Because VA loans carry a federal guarantee, lenders typically price them at or below conventional rates. Individual quotes depend on your credit score, loan amount, loan term, and the specific lender's cost of capital. Comparing quotes from multiple VA-approved lenders can yield meaningful savings.
What are today's best VA mortgage rates?
- Potlatch No 1 Financial Credit Union: 4.75% (15 Year VA Loan)
- Ent Credit Union: 5.00% (VA 15-Year Fixed)
- Credit Union West Credit Union: 5.25% (15 Year VA)
- One Nevada Credit Union: 5.38% (Refi VA 30 Year Fixed)
- Credit Union of America Credit Union: 5.62% (30 Year VA)
VA Mortgage Rate 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 27, 2026
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