How to read our rates

The refinance rates listed below assume a few basic things about you, including:

  • You have very good credit (a FICO credit score of 740+).
  • The property is a single-family home.
  • The home will be your primary residence.

Check out the current refinance rates below to find 30-year and 15-year refinance rates for our different mortgage loan offers. If you decide to purchase mortgage discount points at closing, your interest rate may be lower than the rates shown here. To learn more about rates and to see what you may qualify for, contact a mortgage loan officer.

Conventional fixed-rate refinance

See today's refinance rates for a conventional fixed-rate mortgage.

This table shows rates for conventional fixed-rate mortgages through U.S. Bank.
Term 30-year fixed
Rate
APR
Term 20-year fixed
Rate
APR
Term 15-year fixed
Rate
APR
Term 10-year fixed
Rate
APR
This table shows rates for conventional fixed-rate mortgages through U.S. Bank.
Term Rate APR
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Adjustable-rate refinance

See today's refinance rates for an adjustable-rate mortgage.

This table shows rates for adjustable-rate mortgages through U.S. Bank.
Term 10-year ARM
Rate
APR
Term 5-year ARM
Rate
APR
Term 3-year ARM
Rate
APR
This table shows rates for adjustable-rate mortgages through U.S. Bank.
Term Rate APR
10-year ARM
5-year ARM
3-year ARM

FHA refinance

See today’s refinance rates for an FHA mortgage.

This table shows rates for FHA mortgages through U.S. Bank.
Term 30-year fixed - FHA
Rate
APR
Term 15-year fixed - FHA
Rate
APR
This table shows rates for FHA mortgages through U.S. Bank.
Term Rate APR
30-year fixed - FHA
15-year fixed - FHA

VA refinance

See today’s refinance rates for a VA mortgage.

This table shows rates for VA mortgages through U.S. Bank.
Term 30-year fixed - VA
Rate
APR
Term 15-year fixed - VA
Rate
APR
This table shows rates for VA mortgages through U.S. Bank.
Term Rate APR
30-year fixed - VA
15-year fixed - VA

Jumbo refinance

See today’s refinance rates for a jumbo mortgage.

This table shows rates for jumbo mortgages through U.S. Bank.
Term 30-year fixed - jumbo
Rate
APR
Term 20-year fixed - jumbo
Rate
APR
Term 15-year fixed - jumbo
Rate
APR
This table shows rates for jumbo mortgages through U.S. Bank.
Term Rate APR
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Lock in your rate.

We offer a variety of home refinancing options. Let one of our dedicated mortgage loan officers help you find the option that best fits your needs.

Find a mortgage loan officer near you or call us at 866-928-6337.

Mortgage interest rates vs. APR

The interest rate is the cost of borrowing the principal loan amount. The interest rate does not reflect fees or any other charges you may need to pay for the loan. The Annual Percentage Rate (APR) represents the true yearly cost of your loan. It includes the actual interest you pay to the lender, plus any fees or costs. That’s why a mortgage APR is typically higher than the interest rate – and why it’s such an important number to know when comparing loan offers.

Learn about rate vs. APR