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Mortgage - Refinance Rates

Bringing you refinance options for real life.

Move-in-ready rates.
Plus save even more with lower closing costs.

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Mortgage - Refinance Loan Rates

At Wings, we’re bringing something new to the mortgage world: flexibility. With a wide range of fixed and adjustable-rate options, Wings offers the choices, experience and support to help you refinance your home. At the end of the day, it’s not about fitting a member into a mortgage. It’s about fitting the right mortgage to a member. View our current mortgage refinance rates.

Fixed-Rate Loan
(up to $766,550)

Fixed-Rate Loan Refinance Rate
As Low As1 		Refinance
APR2 		Points3 ?

Points

Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
 Loan
Amount 		Monthly
Payment
30 Year 6.875% 7.014% 1.0 $350,000 $2,299.25
20 Year 6.625% 6.805% 1.0 $350,000 $2,635.33
15 Year 6.375% 6.598% 1.0 $350,000 $3,024.88
10 Year 6.125% 6.438% 1.0 $350,000 $3,907.72

Adjustable-Rate Loan
(up to $766,550)

Adjustable-Rate Loan Refinance Rate
As Low As1 		Refinance
APR2 		Points3 ?

Points

Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
 Loan
Amount 		Monthly
Payment
10/1 ARM - 30 Year 6.750% 7.296% 1.0 $350,000 $2,270.09
7/1 ARM - 30 Year 6.500% 7.344% 1.0 $350,000 $2,212.24
5/1 ARM - 30 Year 6.375% 7.471% 1.0 $350,000 $2,183.54

Jumbo Loan
(greater than $766,550)

Jumbo Loan Refinance Rate
As Low As1 		Refinance
APR2 		Points3 ?

Points

Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
 Loan
Amount 		Monthly
Payment
10/1 ARM - 30 Year 6.750% 7.274% 1.0 $800,000 $5,188.78
7/1 ARM - 30 Year 6.500% 7.322% 1.0 $800,000 $5,056.54
5/1 ARM - 30 Year 6.375% 7.449% 1.0 $800,000 $4,990.96
30 Year Fixed 6.875% 6.992% 1.0 $800,000 $5,255.43
Refinance Your Mortgage Learn More About Mortgages
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume 80% Loan-to-Value (LTV) and $4,896.00 ($9,426.00 JUMBO) estimated borrower pre-paid finance charges. If the LTV is greater than 80%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
Rate Locks - 60 Days - No Fee
Origination Fee: $1,200 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Additional Fixed Rate Terms:
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 90% LTV with no PMI is subject to a rate/APR add on of 0.125%

Membership with a $5 Share Account required.

Rates effective as of May 1, 2024 and subject to change.