A man holding a guitar while a young girl reaches out to strum it.

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.

Apply Now

Explore Options

10-Year Fixed-Rate Refinance

As Low As APR*
7.208%†

Apply To Refinance

Compare Refinance Rates

15-Year Fixed-Rate Refinance

As Low As APR*
7.002%†

Apply To Refinance

Compare Refinance Rates

20-Year Fixed-Rate Refinance

As Low As APR*
7.356%†

Apply To Refinance

Compare Refinance Rates

30-Year Fixed-Rate Refinance

As Low As APR*
7.458%†

Apply To Refinance

Compare Refinance Rates

Borrowing Less Than $250,000

If you don’t need to borrow more than $250,000, click here to apply.

Refinance Less Than $250,000

Borrowing $250,000 Or More

Thinking of borrowing a little more? Click here to apply.

Refinance $250,000 Or More

Mortgage Refinance Rates

Scroll to see more details

Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage refinance loan options.
	Rate	APR*	Estimated Payment
10-Year Fixed Refinance†	As low as 7.000%	As low as 7.208%	$4,063.80 per month for 10 years
15-Year Fixed Refinance†	As low as 6.875%	As low as 7.002%	$3,121.49 per month for 15 years
20-Year Fixed Refinance†	As low as 7.250%	As low as 7.356%	$2,766.32 per month for 20 years
30-Year Fixed Refinance†	As low as 7.375%	As low as 7.458%	$2,417.36 per month for 30 years

*APR=Annual Percentage Rate

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

Membership required. 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. No rate discount for automatic payments. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. Property must be located in Texas and primary owner-occupied single family residence. NMLS #405608. Rates as of 9.27.2023.

Already Applied?

Check Loan Application Status

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

Check Status

Questions?

Fill out this form and a lending representative will be in touch. For more immediate assistance during business hours, please call us at 512.421.2874.

DO NOT include private account information in unsecure emails/forms to A+FCU.

Name(required)

First Last

Email(required)

Phone Number(required)

Topic(required)

How can we help?(required)

Name

This field is for validation purposes and should be left unchanged.

Helpful

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

A woman holding a cell phone and a credit card.

Life Guidance for:

Debt

To get out of debt, you need to be intentional with your money. Reach your goals faster with our tools for evaluating your debt load, developing a repayment strategy, and staying committed.

Tackle Debt

A woman on a paddleboard with a dog next to her.

Life Guidance for:

Personal Finances

Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.

Financial Tools