November 14, 2025 | Credit Union Fixed Refinance Rates Hold at 4.875%

As of November 14, 2025, 15-Year Fixed-Rate Conventional Refinance loans remain at a steady 5.5%, holding the lowest rate available today with no change from both one week and one month ago. Similarly, 30-Year Fixed-Rate Conventional Refinance loans persist at 6.0%, unchanged over the past 7 and 30 days. The stability in these yields indicates consistent borrowing costs for members seeking to refinance; however, long-term fixed options continue to reflect higher yield spreads compared to six months ago. For members prioritizing predictability and cost control, the 15-year fixed offers lower rates and faster equity build-up, while the 30-year fixed maintains affordability with extended terms. Given current rate stability, members should evaluate refinancing opportunities if projected savings exceed transaction costs or consider fixed-rate programs for long-term planning.

For details, visit https://www.affinityplus.org/rates/mortgage-rates.

As of November 14, 2025, refinance rates for fixed-rate mortgages remain stable compared to one week ago. The 15-year fixed refinance rate holds at 5.375%, marking a slight increase of 12.5 basis points over the past 30 days, which modestly raises the cost of borrowing for shorter-term refinancing. Meanwhile, the 30-year fixed refinance rate stays steady at 6.0%, with no change over both the past week and month, maintaining current yield spreads.

Members considering refinancing should note that the 15-year fixed option offers the lowest rate available today, beneficial for those prioritizing accelerated equity buildup despite slightly higher recent costs. The unchanged 30-year fixed rate supports long-term budget stability without immediate rate pressure.

Evaluate your mortgage strategy carefully; consider fixed-rate options if you value predictability or assess refinancing if projected savings surpass associated costs. For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

As of November 14, 2025, 15 Year Fixed Refinance rates remain steady at 4.875%, unchanged from last week but down 37.5 basis points compared to 30 days ago. This decline reflects improved yield spreads and a lower cost of borrowing for borrowers prioritizing shorter terms. Meanwhile, the 30 Year Fixed Refinance rate holds firm at 5.75%, showing no change over the past 7 or 30 days, indicating stability in longer-term fixed borrowing costs.

Members seeking to reduce interest expenses may benefit from evaluating the 15 Year Fixed option’s recent rate improvement, particularly if they value accelerated principal reduction. Conversely, those preferring predictable monthly payments might consider maintaining current strategies with the stable 30 Year Fixed rates. In all cases, assessing refinancing feasibility against closing costs remains essential.

For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of November 14, 2025, HAWAII STATE credit union reports stable mortgage rates for refinance loans. The 15-year fixed refinance rate holds at 4.875%, unchanged from last week but up by 12.5 basis points compared to 30 days ago, indicating a modest increase in the cost of borrowing for shorter-term fixed options. The 30-year fixed refinance rate remains steady at 5.75%, showing no change over the past week or month, maintaining consistent yield spreads for long-term refinancing.

Members considering refinancing should note that the slight rise in the 15-year fixed rate could affect overall interest expenses, while the stability in 30-year rates provides predictable payment planning. Evaluate your mortgage strategy carefully; fixed-rate products offer rate certainty amid market fluctuations. For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage-refinance/.

As of November 14, 2025, 15-Year Fixed-Rate Mortgage refinance loans hold the lowest rate at 5.25%, unchanged from one week ago but down 25 basis points compared to 30 days prior. The 30-Year Fixed-Rate Mortgage refinance rate remains steady at 5.875%, also stable over the past week and decreased by 12.5 basis points month-over-month. These yield spreads indicate a slight easing in borrowing costs over the last month, benefiting members seeking to reduce long-term interest expenses. For borrowers prioritizing payment stability, fixed-rate options continue to offer predictable monthly obligations amid moderate rate fluctuations. Members considering refinancing should evaluate potential savings against associated fees and terms to optimize their mortgage strategy. For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.

As of November 14, 2025, Langley Credit Union reports stable mortgage rates for refinancing. The 30-year fixed refinance rate remains at 4.99%, unchanged over the past week and month, representing consistent borrowing costs without recent yield spread fluctuations. Similarly, the 15-year fixed refinance rate holds steady at 5.78%, with no movement in the last 7 or 30 days.

These stable rates provide clarity for members evaluating refinancing strategies. For borrowers prioritizing long-term payment stability, the 30-year fixed option at 4.99% offers a predictable cost structure. Meanwhile, those aiming to reduce interest expense more aggressively may consider the 15-year fixed refinance at 5.78%, acknowledging higher monthly payments but shorter amortization.

Members should assess their financial goals and current loan terms; stable rates suggest it may be prudent to review refinancing options when potential savings surpass transaction costs. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of November 14, 2025, Conventional Fixed 15 Year Refinance loans are offered at a rate of 5.0% with 0.25 points, unchanged from one week ago but up by 12.5 basis points compared to 30 days prior. This reflects a modest increase in the cost of borrowing for borrowers seeking shorter-term fixed-rate refinancing options. Meanwhile, the Homebuyers Choice 30 Year Refinance fixed loan remains steady at 6.5% with 0.5 points, showing no change over both the past week and month, indicating stable yield spreads for longer-term fixed products.

Members aiming to reduce monthly payments or total interest may consider the 15-year fixed refinance, despite the recent slight uptick in rates; those prioritizing payment stability can evaluate the consistent 30-year option. Given current rate trends, it is prudent to assess whether refinancing savings outweigh associated costs based on individual financial goals and loan terms.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1

As of November 14, 2025, refinance fixed-rate mortgages at RANDOLPH BROOKS credit union remain steady. The 15-year fixed refinance rate holds at 5.5%, unchanged from both one and seven days ago, representing the lowest available rate among today’s options. Similarly, the 30-year fixed refinance rate stays constant at 6.375%, with no movement over the past week.

Stable rates in these key refinance products suggest consistent borrowing costs for members seeking to reduce their monthly payments or shorten loan terms. For borrowers prioritizing payment predictability and long-term financial planning, these unaltered fixed rates support effective mortgage strategy evaluation.

Members should consider locking in current rates if they value stability or assess refinancing benefits when projected savings exceed associated fees. For details, visit https://www.rbfcu.org/home-loans-realty/mortgage-refinancing.

As of November 14, 2025, refinance rates in the Conforming High-Cost Area remain steady. The 15-year fixed refinance rate holds at 5.75% with no change from one week ago, maintaining a stable borrowing cost for members seeking shorter-term payoff options. Meanwhile, the 30-year fixed refinance rate is at 6.125%, unchanged over seven days but down by 12.5 basis points compared to 30 days prior, indicating a modest easing in long-term financing costs.

Members considering refinancing may find value in the current rates, especially those preferring predictable payments through fixed-rate loans. The slight decline in the 30-year term could reduce overall interest expense for longer amortization periods. Evaluating your mortgage strategy with these data points can help optimize your financial outcomes.

For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-refinance.

As of November 14, 2025, mortgage rates are mixed for 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo remains at 6.182%, unchanged from yesterday, reflecting a minor increase of 0.07 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.284%, also stable today, with a slight rise of 0.03 basis points in the last week. Over the past month, the 30-Year Fixed Rate Jumbo has increased by 0.06 basis points, while it has seen a decrease of 0.07 basis points over the last 60 days. Borrowers may find it beneficial to assess their options given these fluctuations in borrowing costs.

Recent inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-year rate steady at 2.280 and the 5-year rate unchanged at 2.370. These stable inflation indicators suggest a predictable economic environment, which influences mortgage rates and borrowing costs. Notably, the Mortgage 30Yr Average Rate remains at 6.240, unchanged from yesterday but showing a minor rise of 0.02 points over the past week. The largest shift was observed in the Mortgage 30Yr Usda Average Rates, declining by 0.10 points in the last week, indicating potential savings for borrowers in that category. Maintaining awareness of these trends can help borrowers make informed decisions regarding their financing options.

The path to homeownership can look different for everyone—maybe you’re taking things slow or perhaps you’re ready to make a move this season. At LendMesh, we see it all: teachers, business owners, families with big dreams, and retirees searching for something smaller. What unites them? The need for clear, unbiased advice. Our advisors connect you with a blend of community-focused credit unions and reputable banks, all on a platform built for real life, not just sales pitches. From understanding rate changes to budgeting for closing costs, our resources make your next steps easier. Discover how we can help by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story is unique, and your mortgage should be too.