Average weekly fixed rates for mortgages inched up a bit but still are ending the year near their all-time historic lows, according to Freddie Mac.

The average rate for a 30-year fixed rate mortgage rose by four basis points to 3.95% while the average 15-year FRM rate increased by three basis points to 3.24% during the week ending Dec. 29.

The average rate for a five-year Treasury-indexed hybrid adjustable-rate mortgage was three basis points higher at 2.88% and the average one-year Treasury ARM rate was just a basis point more than it was the previous week at 2.78%.

Average points were as follows: 0.7 of a point for 30-year FRMs, 0.8 of a point for 15-year FRMs and 0.6 of a point for five-year Treasury hybrids and one-year Treasury ARMs.

A year ago, average rates were as follows: 4.86% for a 30-year mortgage, 4.2% for a 15-year mortgage, 3.77% for a five-year Treasury hybrid, and 3.26% for a one-year Treasury ARM.

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