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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.

Explore Options

15-Year Fixed-Rate Refinance

A fixed-rate mortgage has an interest rate that stays the same for the entire term of the loan.

As Low As APR*
6.340%

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5/5 Adjustable-Rate Refinance

An adjustable-rate mortgage (ARM) typically offers a lower initial interest rate for the initial time period, but that rate is evaluated and adjusted in the future according to the terms.

As Low As APR*
6.483%

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30-Year Fixed-Rate Refinance

A fixed-rate mortgage has an interest rate that stays the same for the entire term of the loan.

As Low As APR*
6.478%

Compare Refinance Rates

10/10 Adjustable-Rate Refinance

An adjustable-rate mortgage (ARM) typically offers a lower initial interest rate for the initial time period, but that rate is evaluated and adjusted in the future according to the terms.

As Low As APR*
6.389%

Compare Refinance Rates

Borrowing Less Than $250,000

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

Borrowing $250,000 Or More

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

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 6.250% As low as 6.340% $3,000.98 per month for 15 years
30-Year Fixed Refinance As low as 6.375% As low as 6.478% $2,183.54 per month for 30 years
5/5 ARM Refinance As low as 6.250% As low as 6.483% $2,155.01 per month for initial fixed rate period (5 years)
10/10 ARM Refinance As low as 6.250% As low as 6.389% $2,155.01 per month for initial fixed rate period (10 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. 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. Additional terms available. Property must be located in Texas and primary owner-occupied single family residence. NMLS #405608. Rates as of 1.13.2023.

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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.

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