February 13, 2026 | Lowest Fixed Conventional Refinance Rate Holds at 4.00%

As of February 13, 2026, conventional refinance rates remain stable with the 15-Year Fixed-Rate at 5.375% and the 30-Year Fixed-Rate at 5.875%, both unchanged from one week ago. These rates reflect a consistent yield spread over the past month, holding steady without upward pressure on borrowing costs. For members considering refinancing, this stability offers predictable payment structures; shorter terms like the 15-Year Fixed provide potential interest savings despite slightly higher monthly payments, while the 30-Year Fixed supports lower monthly obligations over time. Evaluating your mortgage strategy in this environment means weighing long-term savings against cash flow needs; consider fixed-rate options if you prioritize payment certainty. For details, visit https://www.affinityplus.org/rates/mortgage-rates.

As of February 13, 2026, 15-year fixed refinance rates remain steady at 5.5%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. This slight upward movement increases the cost of borrowing for members seeking shorter-term refinancing options, potentially impacting monthly payments and overall interest savings. The 30-year fixed refinance rate holds at 6.0%, showing no change over both the past week and month, offering stability for members prioritizing long-term affordability.

Members evaluating refinancing should consider fixed-rate loans for predictable payments amid modest rate fluctuations. Those focused on reducing long-term interest might find the 15-year fixed option advantageous despite recent increases, while others may prefer the consistent yield spread of the 30-year fixed program.

For details, visit https://www.connexuscu.org/loans/mortgage-refinance.

As of February 13, 2026, 15-year fixed refinance loans hold the lowest rate at 5.375%, unchanged over the past week but up 25 basis points compared to 30 days ago. The 30-year fixed refinance rate remains steady at 5.75%, showing no change in the last seven days and a modest increase of 12.5 basis points over the month. These yield spreads indicate a slight upward trend in borrowing costs for longer-term refinancing options, impacting borrowers aiming to lock in stability versus those prioritizing lower monthly payments. Members considering refinancing should weigh the benefits of shorter-term fixed rates against potentially higher monthly obligations, while long-term planners might evaluate if current rates align with their mortgage strategy. Data-driven decisions on refinancing can help optimize cost savings relative to closing expenses.

For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

As of February 13, 2026, the 15 Year Fixed Conforming Refinance rate remains steady at 4.0%, unchanged from one week ago and consistent with rates reported 180 days prior. This stability in yield spreads indicates a predictable cost of borrowing for members seeking to refinance with fixed terms. For borrowers prioritizing payment certainty, the 15-year fixed refinance offers a reliable option without recent volatility. First-time refinancers can benefit from locking in current rates before potential future shifts, while those valuing principal reduction within a shorter term may find this product aligns with long-term financial goals. Given the stable rate environment, members should evaluate their mortgage strategies and consider refinancing if anticipated savings exceed associated costs. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/refinance.

As of February 13, 2026, 15 Year Fixed Refinance loans remain at a rate of 4.875%, unchanged over the past week but up by 12.5 basis points compared to 30 days ago. This slight increase signals a modest rise in the cost of borrowing for shorter-term fixed refinance options, which may impact members aiming to reduce their loan duration and interest expense. Meanwhile, the 30 Year Fixed Refinance rate holds steady at 5.625%, showing no change from both one week and one month prior, offering predictability for those prioritizing longer-term stability.

Members considering refinancing should weigh these stable to slightly higher rates against potential savings on loan terms. For those valuing consistent payments, fixed-rate products remain viable. Evaluate your mortgage strategy carefully, particularly if refinancing costs align with expected long-term benefits.

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

As of February 13, 2026, Langley Credit Union reports stable mortgage rates for refinancing. The 30-year fixed refinance rate remains steady at 4.99%, unchanged over the past week and month, reflecting consistent borrowing costs for long-term homeowners seeking predictable payments. Meanwhile, the 15-year fixed refinance rate holds at 5.25%, with a notable increase of 25 basis points compared to 30 days ago; this rise may influence borrowers prioritizing faster loan payoff and interest savings. Members considering refinancing should assess whether locking in current fixed rates aligns with their financial goals, especially given the stable yield environment. Evaluating the trade-off between term length and rate changes can optimize mortgage strategy. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of February 13, 2026, refinance rates for fixed mortgage products remain steady at 6.74% for the 15-year fixed mini mortgage and 5.875% for the 30-year fixed loan, both unchanged from one week ago. Notably, the 30-year fixed refinance rate at 5.875% represents the lowest yield spread available today, offering a comparatively lower cost of borrowing over longer terms. Stability in these rates suggests minimal volatility in credit market conditions recently, which benefits members seeking predictable payment structures or planning to refinance existing debt.

Members considering refinancing should evaluate their long-term financial goals; those prioritizing shorter payoff horizons may find the 15-year fixed mini mortgage at 6.74% appropriate despite its higher rate. Conversely, borrowers aiming to reduce monthly payments could consider locking in the lowest current 30-year fixed rate. Given that rates have not shifted over the past month, it is prudent to assess if potential savings exceed refinancing costs before proceeding.

For details, visit https://www.macu.com/loans/home-loans/refinance.

As of February 13, 2026, Navy Federal Credit Union reports notable shifts in refinance mortgage rates. The 15 Year Fixed Refinance rate stands at a competitive 4.75%, marking a modest decrease of 12.5 basis points from last week and holding steady over the past month. This stable yield spread benefits members seeking shorter-term refinancing with lower interest costs.

Conversely, the 30 Year Fixed Refinance rate has declined significantly to 5.25%, down by 112.5 basis points compared to one week ago and by 100 basis points versus 30 days prior. This substantial reduction lowers the long-term cost of borrowing, enhancing affordability for those refinancing extended terms.

Members prioritizing predictable payments may consider these fixed-rate options; evaluating refinancing could reduce overall expenses if current savings surpass associated fees. For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1.

As of February 13, 2026, 15-year fixed-rate refinance loans offer the lowest cost of borrowing at 4.875%, reflecting a notable decline of 12.5 basis points from one week ago. This decrease reduces yield spreads, benefiting members seeking shorter-term refinancing with lower overall interest expenses. Conversely, the 30-year fixed-rate refinance loan remains steady at 5.625%, unchanged over the past seven days, maintaining a higher long-term cost but consistent monthly payment structure.

Members prioritizing payment stability should consider fixed-rate options; those focused on lowering total interest may find the 15-year term advantageous given recent rate improvements. Evaluating your mortgage strategy in light of these shifts can help optimize financing costs and repayment timelines.

For details, visit https://www.wingscu.com/rates/mortgages-refinance#main.

As of February 13, 2026, mortgage rates are mixed for jumbo loans. The 15-Year Fixed Rate Jumbo is now at 6.101%, increasing by 0.07 basis points from yesterday, while it has decreased by 0.10 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo is slightly down at 6.246%, showing a minor decrease of 0.01 basis points from the previous day and an overall drop of 0.08 basis points in the last month. Borrowers should be aware of these fluctuations as they reflect changes in the cost of borrowing, impacting long-term financial decisions.

As of today, the Breakeven Inflation Rate 10Yr stands at 2.290, unchanged from yesterday, indicating stable inflation expectations that influence borrowing costs. The Mortgage 30Yr Average Rates are currently at 6.090, reflecting a slight decrease of 0.02 points over the past week and 0.49 points over the last 90 days; this may ease financial burdens for borrowers. Notably, the Mortgage 30Yr Usda Average Rates have seen a significant drop of 0.17 points in the last week and 0.30 points in the past 60 days, marking it as the most volatile option among mortgage products. In this environment, borrowers should consider locking in lower rates to mitigate future cost increases.

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