Mortgage Interest Rates

View BECU's current home loan interest rates for mortgages and home equity lines of credit.

Fixed Rate | Home Equity (HELOC) | Refinance | Adjustable Rate Mortgage (ARM) | Jumbo | Construction | Government

Fixed Interest Rates

Fixed Rate 12 Year No Fee
6.250
%
APR
12-Year Fixed No Fee
Refinance Only
APR Effective 1/20/2026
More about 12 Year No Fee Fixed Rate home loans
Fixed Rate 15 Year
5.673
%
APR
15 Year Fixed
Loan limits up to $X
APR Effective 1/20/2026
More about 15 Year Fixed Rate home loans
Fixed Rate Refinance 15 Year
5.667
%
APR
15 Year Fixed Refinance
APR Effective 1/20/2026
More about Refinance 15 Year Fixed Rate home loans
Fixed Rate 30 Year
6.107
%
APR
30-Year Fixed
APR Effective 1/20/2026
More about 30 Year Fixed Rate home loans
Fixed Rate Refinance 30 Year
6.115
%
APR
30-Year Fixed Refinance
APR Effective 1/20/2026
More about Refinance 30 Year Fixed Rate home loans
Construction 30 Year Fixed Rate
6.618
%
APR
30 Year Fixed Construction
12 month construction term
APR Effective 1/20/2026
More about Construction 30 Year Fixed Rate home loans
Construction Jumbo 30 Year Fixed Rate
6.591
%
APR
30 Year Fixed Jumbo Construction
12 month construction term
APR Effective 1/20/2026
More about Construction Jumbo 30 Year Fixed Rate home loans

*See important information about rates, fees and other costs

View additional interest rates for mortgages

Home Equity Interest Rates

Home Equity Fixed Rate Advance
7.24
%
APR
Fixed Rate Advance
APR Effective 1/13/2026
More about Home Equity Fixed Rate Advance loans
Home Equity Line of Credit
6.99
%
APR
Home Equity Line of Credit
Variable¹
APR Effective 1/13/2026
More about Home Equity Line of Credit loans
*See important information about rates, fees and other costs

Refinance Interest Rates

Fixed Rate Refinance 15 Year
5.667
%
APR
15 Year Fixed Refinance
APR Effective 1/20/2026
More about Refinance 15 Year Fixed Rate home loans
Fixed Rate Refinance 30 Year
6.115
%
APR
30-Year Fixed Refinance
APR Effective 1/20/2026
More about Refinance 30 Year Fixed Rate home loans
*See important information about rates, fees and other costs

Adjustable Rate Mortgage (ARM) Interest Rates

Adjustable Rate 5/6 (ARM)
6.408
%
APR
5 Year ARM (5yr/6mo)
Adjusts every 6 months, after initial five-year period.
APR Effective 1/20/2026
More about Adjustable 5/6 (ARM) home loans
Adjustable Rate 7/6 (ARM)
6.280
%
APR
7 Year ARM (7yr/6mo)
Adjustable after year 7
APR Effective 1/20/2026
More about Adjustable Rate 7/6 (ARM) home loans
Adjustable Rate 10/6 (ARM)
6.181
%
APR
10 Year ARM (10yr/6mo)
Adjustable after year 10
APR Effective 1/20/2026
More about Adjustable Rate 10/6 (ARM) home loans
*See important information about rates, fees and other costs

Jumbo Interest Rates

Jumbo 30 Year Fixed Rate
6.109
%
APR
Jumbo 30-Year Fixed
APR Effective 1/20/2026
More about Jumbo 30 Year Fixed Rate home loans
Construction Jumbo 30 Year Fixed Rate
6.591
%
APR
30 Year Fixed Jumbo Construction
12 month construction term
APR Effective 1/20/2026
More about Construction Jumbo 30 Year Fixed Rate home loans
*See important information about rates, fees and other costs

Construction Interest Rates

Construction 30 Year Fixed Rate
6.618
%
APR
30 Year Fixed Construction
12 month construction term
APR Effective 1/20/2026
More about Construction 30 Year Fixed Rate home loans
Construction Jumbo 30 Year Fixed Rate
6.591
%
APR
30 Year Fixed Jumbo Construction
12 month construction term
APR Effective 1/20/2026
More about Construction Jumbo 30 Year Fixed Rate home loans
*See important information about rates, fees and other costs

Government Interest Rates

VA 30 Year Fixed Rate
5.862
%
APR
VA 30 Year Fixed
VA Purchase 0% Down
APR Effective 1/20/2026
More about VA 30 Year Fixed Rate home loans
FHA 30 Year Fixed
6.402
%
APR
FHA 30 Year Fixed
APR Effective 1/20/2026
More about FHA 30 Year Fixed home loans
*See important information about rates, fees and other costs