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Fha Rates Vs Conventional Rates VA vs. Conventional – Interest Rates – VA vs. Conventional – Interest Rates. Posted on August 26, 2015 March 17, 2017 by. Generally speaking, when rates go up, conventional rates go up faster than VA rates do, and when rates go down, conventional go down faster than VA rates do.. which is what you really want to compare across the board. For example, if you got a mortgage.