Best 30-Year Jumbo Mortgage Rates Today - March 2026 | As Low As 5.00%
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Brian McKay
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Today's 30-year jumbo mortgage market includes offers such as Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004A+5.0 ★Texas Ratio: 3.29% offering 30 Year Jumbo at 5.00%, and Publix Employees Federal Credit UnionPublix Employees Federal Credit Union11112 San Jose Blvd, Altamonte Springs, FL 30044 5478A+5.0 ★Texas Ratio: 1.34% offering Jumbo Mortgage 30YR FIXED at 5.37%, and HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.50% offering 30 Year Jumbo Fixed Rate at 5.25%, and Community Credit Union Of FloridaCommunity Credit Union Of Florida1030 US Highway 1, Cocoa, FL 32780A+5.0 ★Texas Ratio: 1.84% offering 30 YEAR FIXED JUMBO FINANCING at 5.62%, and Texell Credit UnionTexell Credit Union1221 Hewitt Dr, Belton, TX 76501 7603A+5.0 ★Texas Ratio: 3.58% offering 30-year Jumbo Loan at 5.63%.
A 30-year jumbo mortgage is a home loan that exceeds the conforming loan limits set by the FHFA — in most U.S. counties that means loans above $766,550. Jumbo loans typically require stronger credit, larger down payments, and more detailed documentation, but provide the financing needed for higher-priced properties with the predictability of a fixed 30-year term. Comparing rates across multiple lenders is critical on jumbo loans because even a 0.25% rate difference on a $1,000,000 loan saves over $50,000 in total interest. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a financially stable lender with confidence.
30-Year Jumbo 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: March 22, 2026
30-Year Jumbo 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.
30-Year Jumbo — National Avg
6.303%
▲ 0.032% from last week
The 30-year jumbo rate rose 0.032 points this week to 6.303%, up from 6.271% last week.
Quick Reference — March 2026
Est. payment ($800k loan): $4,953/mo
Loan type: Fixed-rate, 30-year jumbo
Best for: High-value homes above conforming limits
Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions
As of Mar 23, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
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Compare 30-Year Jumbo Mortgage Rates Today
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
30 Year Jumbo
5.00%
5.21%
▼
Rate5.00%
APR5.21%
Points2.000
UpdatedMar 16, 2026
Address1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
Details
No additional details available.
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11112 San Jose Blvd, Altamonte Springs, FL 30044 5478
Jumbo Mortgage 30YR FIXED
5.37%
5.39%
▼
Rate5.37%
APR5.39%
Points0.000
UpdatedMar 21, 2026
Address11112 San Jose Blvd, Altamonte Springs, FL 30044 5478
Details
No additional details available.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
30 Year Jumbo
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points1.000
UpdatedMar 16, 2026
Address1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
30 Year
5.25%
5.59%
▼
Rate5.25%
APR5.59%
Points2.125
UpdatedMar 20, 2026
Address1226 College Walk, Aiea, HI 96701
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
30 YEAR FIXED JUMBO FINANCING
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMar 18, 2026
Address1030 US Highway 1, Cocoa, FL 32780
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
30-year Jumbo Loan
30
5.63%
5.70%
▼
Rate5.63%
APR5.70%
Points0.000
UpdatedMar 21, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
Details
No additional details available.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Benicia, CA 94510 3579
30 Year Jumbo
5.62%
5.71%
▼
Rate5.62%
APR5.71%
Points0.750
UpdatedMar 17, 2026
Address1111 Pine St, Benicia, CA 94510 3579
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
30 Year
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.875
UpdatedMar 20, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10249 Indianapolis Blvd, Calumet City, IL 46307
Jumbo Single Family Mortgages (Loans - Purchases
30 Years
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 20, 2026
Address10249 Indianapolis Blvd, Calumet City, IL 46307
Details
$832,750+
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10249 Indianapolis Blvd, Calumet City, IL 46307
Jumbo Single Family Mortgages (Loans - Refinances
30 Years
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 20, 2026
Address10249 Indianapolis Blvd, Calumet City, IL 46307
Details
$832,750+
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
10200 W Brookside Dr, Baton Rouge, LA 70506
30 year Jumbo Mortgage
30 year
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 20, 2026
Address10200 W Brookside Dr, Baton Rouge, LA 70506
Details
No additional details available.
Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
14600 Aviation Blvd, El Segundo, CA 75067 4151
Fixed-Rate Mortgage (Jumbo)
30-Year
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMar 21, 2026
Address14600 Aviation Blvd, El Segundo, CA 75067 4151
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
10096 Kenai Spur Hwy, Anchorage, AK 82001
30-Year Jumbo
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points1.000
UpdatedMar 17, 2026
Address10096 Kenai Spur Hwy, Anchorage, AK 82001
Details
As Low As
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Garden Ctr, American Fork, CO 78006 2958
30-Year Power Rate Fixed Jumbo
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 15, 2026
Address1 Garden Ctr, American Fork, CO 78006 2958
Details
No additional details available.
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
531 Broad St, Coraopolis, PA 15108
Jumbo Mortgages (Greater than 30 Year
30 Year
5.88%
5.88%
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 21, 2026
Address531 Broad St, Coraopolis, PA 15108
Details
$832,750
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
30 Year
5.75%
5.89%
▼
Rate5.75%
APR5.89%
Points0.000
UpdatedMar 20, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1000 E Highway 50, Apopka, FL 30188
30 Year Fixed Jumbo
30
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedMar 21, 2026
Address1000 E Highway 50, Apopka, FL 30188
Details
No additional details available.
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
2510 North Loop W, Conroe, TX 77072 1667
30-year Jumbo
30
5.88%
5.93%
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 21, 2026
Address2510 North Loop W, Conroe, TX 77072 1667
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
2510 North Loop W, Conroe, TX 77072 1667
Purchase/Refinance Fixed Rate 30-year Jumbo
30-year Jumbo
5.88%
5.93%
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 21, 2026
Address2510 North Loop W, Conroe, TX 77072 1667
Details
No additional details available.
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1005 South St, Norfolk, MA 02056
30 Year Fixed (Jumbo)
30
5.88%
5.93%
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 17, 2026
Address1005 South St, Norfolk, MA 02056
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 Jumbo
30 Year
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.750
UpdatedMar 18, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
Details
No additional details available.
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
10610 Potranco Rd, Fredericksburg, TX 78121 4495
Jumbo 30yr
30yr
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Address10610 Potranco Rd, Fredericksburg, TX 78121 4495
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
101 W Division St, Algonquin, IL 48072
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points1.000
UpdatedMar 20, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1 IKEA RBFCU Parkway, Allen, TX 75002
Jumbo Fixed Rate
30 years
5.62%
6.00%
▼
Rate5.62%
APR6.00%
Points0.000
UpdatedMar 21, 2026
Address1 IKEA RBFCU Parkway, Allen, TX 75002
Details
As Low As
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1061 Thomas Jefferson St Nw, Boston, DC 02025
30 YR Jumbo
360
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Address1061 Thomas Jefferson St Nw, Boston, DC 02025
Details
No additional details available.
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1278 Rocky Point Dr, Barstow, CA 92004
30 Year Fixed Jumbo
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Address1278 Rocky Point Dr, Barstow, CA 92004
Details
As Low As; Loan amounts up to $3,000,000; Purchase, refinance, cash-out options
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
100 Averill Rd, Coventry, CT 02816
Fixed Rate Jumbo Mortgages (Purchase or Refinance)
30 Year
6.00%
6.02%
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 18, 2026
Address100 Averill Rd, Coventry, CT 02816
Details
No additional details available.
Brentwood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1001 Hastings Park Dr, Bethel Park, PA 15009
Jumbo Single Family Owner-Occupied
30 Year
6.00%
6.02%
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 18, 2026
Address1001 Hastings Park Dr, Bethel Park, PA 15009
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 UNF Dr Bldg 1402, Callahan, FL 32003 6333
Jumbo Mortgages
30
6.00%
6.03%
▼
Rate6.00%
APR6.03%
Points0.000
UpdatedMar 18, 2026
Address1 UNF Dr Bldg 1402, Callahan, FL 32003 6333
Details
As Low As
Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1690 Main St, Brockton, MA 02048 1223
30 Year Fixed Rate - Jumbo
5.99%
6.03%
▼
Rate5.99%
APR6.03%
Points0.000
UpdatedMar 11, 2026
Address1690 Main St, Brockton, MA 02048 1223
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
30-Year Jumbo Fixed-Rate
6.00%
6.06%
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMar 17, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD 21001 1733
Jumbo 30 Year Fixed
6.00%
6.08%
▼
Rate6.00%
APR6.08%
Points0.250
UpdatedMar 17, 2026
Address1 Seahawk Dr, Aberdeen, MD 21001 1733
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 Jumbo 30 Year
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMar 16, 2026
Address10161 W Grand Parkway, Cypress, TX 77040 6229
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
Jumbo 30 Year
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMar 16, 2026
Address10161 W Grand Parkway, Cypress, TX 77040 6229
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
Jumbo 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
No additional details available.
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Aiea, HI 96701
Jumbo 30 Year Conforming Fixed
5.88%
6.11%
▼
Rate5.88%
APR6.11%
Points2.000
UpdatedMar 17, 2026
Address100 Pauahi St, Aiea, HI 96701
Details
No additional details available.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
10000 N Central Expy Ste 111, Allen, AK 28226
30 Yr Fixed Jumbo
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.790
UpdatedMar 17, 2026
Address10000 N Central Expy Ste 111, Allen, AK 28226
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.875
UpdatedMar 22, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Refi Jumbo 30 Year Fixed Rate
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.875
UpdatedMar 13, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Purchase Jumbo 30 Year Fixed Rate
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.875
UpdatedMar 13, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details
No additional details available.
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The 30-year jumbo mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Jumbo loan qualification requirements vary by lender. Your final approved rate will depend on your credit history, credit score, loan-to-value ratio, and loan amount. Rates are subject to change without notice.
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.
30-Year Jumbo Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 30-year jumbo 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 30-year jumbo 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 30-Year Jumbo Mortgage Rates
What is a 30-year jumbo mortgage?
A 30-year jumbo mortgage is a fixed-rate home loan that exceeds the conforming loan limits set annually by the Federal Housing Finance Agency (FHFA) — $766,550 in most U.S. counties for 2024, with higher limits in designated high-cost areas up to $1,149,825. Because these loans exceed the limits for purchase by Fannie Mae or Freddie Mac, lenders hold them on their own balance sheets and typically require stronger borrower qualifications. The 30-year term provides the lowest monthly payment option for high-value home purchases.
Are 30-year jumbo rates higher than conforming rates?
Jumbo rates are often slightly above conforming rates, though the spread varies considerably. Historically the gap has ranged from 0.10%–0.50%, and in some market conditions well-qualified borrowers have obtained jumbo rates at or below conforming rates — particularly at larger portfolio lenders that actively pursue high-net-worth customers. The spread also tends to compress for borrowers with 20%+ down and scores above 760. Because lenders have more pricing discretion on jumbo loans, the range of rates across lenders is wider than in the conforming market, making comparison shopping especially valuable.
What credit score and qualifications do I need for a 30-year jumbo?
Most jumbo lenders require a minimum credit score of 700–720, with the best rates reserved for borrowers at 740–760 and above. Debt-to-income (DTI) ratios are typically capped at 43%, and lenders scrutinize income documentation more carefully than on conforming loans. Cash reserves are an important factor — most lenders require 12–24 months of total mortgage payments (principal, interest, taxes, insurance) in verifiable liquid assets after closing. Self-employed borrowers should expect to provide two years of tax returns and may face additional income averaging requirements.
How much down payment is required for a 30-year jumbo?
Most jumbo programs require a minimum of 10%–20% down. Some lenders offer 10% down programs for highly qualified borrowers on loans up to $1.5 million, while others require 20% across the board — and 25%–30% for loan amounts above $2 million. A larger down payment typically results in a meaningfully lower rate and eliminates private mortgage insurance requirements. Even on programs that allow 10% down, borrowers with 20%+ equity generally receive better pricing and terms.
How does a 30-year jumbo compare to a 15-year jumbo?
The 30-year jumbo offers the lowest monthly payment by spreading repayment over 360 months, while the 15-year jumbo carries a significantly higher payment but builds equity much faster and saves a substantial amount in total interest. On a $1,000,000 loan, the monthly payment difference between 30-year and 15-year is typically $2,000–$3,000/month, but the 15-year borrower can save $500,000 or more in total interest depending on rate levels. The right choice depends on cash flow flexibility and whether eliminating the mortgage faster aligns with your financial plan.
What is the difference between a jumbo and a super-jumbo mortgage?
While "jumbo" applies to any loan above the conforming limit, "super-jumbo" typically refers to loans above $1.5 million or $2 million, though lenders define the threshold differently. Super-jumbo loans have even stricter qualification requirements — often requiring 25%–30%+ down, higher reserves, and lower DTI ratios. Fewer lenders compete in the super-jumbo space, and rates can vary significantly. Portfolio lenders such as private banks and large credit unions are common sources, and relationship banking often plays a larger role in rate negotiation at these loan sizes.
Can I refinance a 30-year jumbo mortgage?
Yes. Refinancing a jumbo mortgage follows the same general process as conforming loans but with stricter documentation and underwriting requirements. A new appraisal is typically required, along with updated income verification, full asset statements, and re-qualification at current standards. The calculation for whether to refinance is the same: divide the closing costs by the monthly savings to find your break-even month, then compare that to how long you plan to stay. Closing costs on jumbo loans are proportionally higher in dollar terms due to the larger loan balance, which affects break-even timing.
Are 30-year jumbo loans available from credit unions?
Yes. Many credit unions offer competitive 30-year jumbo rates, sometimes at or below bank rates, because they serve member-owners rather than outside shareholders. Credit unions also tend to hold jumbo loans in portfolio rather than selling them, which can give them more flexibility on underwriting and pricing for well-qualified members. Our rate table above includes 30-year jumbo rates from both banks and credit unions nationwide, with institution safety ratings so you can evaluate financial health alongside the rate.
What is the difference between interest rate and APR on a 30-year jumbo?
The interest rate is the annual cost of borrowing the principal. The APR (Annual Percentage Rate) incorporates the interest rate plus lender origination fees, points, and certain closing costs, expressed as a single annualized figure. On large jumbo loan balances, even small fee differences have an outsized impact on APR, making it an important comparison tool. When evaluating jumbo lenders, compare both the rate and APR across quotes obtained on the same day, since market rates can shift between quote dates.
How are 30-year jumbo rates determined?
Jumbo rates are influenced by the same macroeconomic forces as conforming rates — primarily 10-year U.S. Treasury yields, Federal Reserve policy, and broader credit market conditions. However, because jumbo loans are held on lender balance sheets rather than sold to Fannie Mae or Freddie Mac, each lender prices based on its own funding costs, portfolio risk appetite, and competitive positioning. This is why jumbo rates can vary more across lenders than conforming rates, and why shopping multiple institutions — including banks, credit unions, and portfolio lenders — is especially valuable on large loan amounts.
What are today's best 30-year jumbo mortgage rates?
- Aloha Pacific Federal Credit Union: 5.00% (30 Year Jumbo)
- Publix Employees Federal Credit Union: 5.37% (Jumbo Mortgage 30YR FIXED)
- HawaiiUSA Federal Credit Union: 5.25% (30 Year Jumbo Fixed Rate)
- Community Credit Union Of Florida: 5.62% (30 YEAR FIXED JUMBO FINANCING)
- Texell Credit Union: 5.63% (30-year Jumbo Loan)
30-Year Jumbo 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: March 22, 2026
More Mortgage Rate Options
30-Year Fixed Mortgage Rates
Best for long-term stability
15-Year Fixed Mortgage Rates
Build equity faster
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
