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Home Loans

Refinance

Refinancing your current mortgage can be a great way to save money every month or tens of thousands in interest by shortening the term of your loan. There are a lot of choices to consider, so let A+FCU help.

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15-Year Fixed-Rate Refinance

As Low As APR*
6.002%†

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30-Year Fixed-Rate Refinance

As Low As APR*
6.836%†

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15-Year Jumbo Fixed-Rate Refinance

As Low As APR*
6.219%‡

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30-Year Jumbo Fixed-Rate Refinance

As Low As APR*
6.813%‡

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5/5 Adjustable-Rate Refinance

As Low As APR*
6.555%†

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10/10 Adjustable-Rate Refinance

As Low As APR*
6.832%†

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Mortgage Refinance Rates

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage refinance loan options.
	Rate	APR*	Estimated Payment
15-Year Fixed Refinance†	As low as 5.875%	As low as 6.002%	$2,929.91 per month for 15 years
30-Year Fixed Refinance†	As low as 6.750%	As low as 6.836%	$2,270.09 per month for 30 years
15-Year Jumbo Fixed‡	As low as 6.125%	As low as 6.219%	$6,907.07 per month for 15 years
30-Year Jumbo Fixed‡	As low as 6.750%	As low as 6.813%	$5,266.62 per month for 30 years
5/5 ARM†	As low as 5.875%	As low as 6.555%	$2,070.38 per month for initial fixed rate period (5 years)**
10/10 ARM†	As low as 6.500%	As low as 6.832%	$2,212.24 per month for initial fixed rate period (10 years)**

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*APR=Annual Percentage Rate

†As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

‡As low as rates and payments are based on a $812,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater. Minimum loan amount of $806,500.

**Adjustable-Rate Mortgage (ARM) interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments.

Membership required. LTV = Loan to Value. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single-family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 5.23.2025.

Fixed-Rate Mortgage

A fixed-rate mortgage is a mortgage with an interest rate that stays the same for the entire term of the loan – meaning the monthly principal and interest payment won’t change.

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Adjustable-Rate Mortgage

An adjustable-rate mortgage is a loan type that offers a lower initial interest rate than most fixed-rate loans. The tradeoff is that the interest rate can change periodically and the monthly payment will go up or down accordingly.

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Conforming & Jumbo

Depending on much you borrow, you will either have a conforming or jumbo (non-conforming) loan. Conforming loans have a loan limit up to $806,500 for 2025. Any amount higher is considered a jumbo loan.

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Easily check the status of your refinance application, submit documents, and more.

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Rates & Resources

To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.

Home Loan Rates Mortgage Payment Calculator Should I Refinance? Calculator 15 vs. 30 Year Mortgage Calculator Free Homeownership Counseling Home Insurance

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