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15-Year Mortgage Rates & Calculator

Explore our Current Loan Rates Today for Long-term Happiness with a Short-term Home Mortgage

Home ownership is affordable with our 15-year mortgage solution, helping you save thousands of dollars in interest.

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Questions about a new mortgage?

We are here to help.

Pair a low rate with a shorter mortgage term like 15 years, and you’ll save thousands of dollars – plus eliminate your debt faster than you think.

For example, let’s say you finance a home for $250,000. By choosing a 15-year mortgage instead of a 30-year mortgage, you could save $155,637!*
Term30-Year15-Year
APR5.251%4.376%
Payment$1,380.66$1,896.68
Interest$247,039$91,402

A 15-year mortgage could save you
$155,637
in interest and 15 years of payments.

APR = Annual Percentage Rate
*Payment examples are for illustrative purposes only and do not include escrows. Your actual payment may be greater and savings will vary.
Save up to $5,127 with a

FAIRWINDS Credit Union mortgage

FAIRWINDS rates as low as
4.376%
APR† 15 Yr Fixed

VS

National Average*
4.60%
APR† 15 Yr Fixed

$5,127 is the difference between the amount paid in interest between FAIRWINDS Credit Union's rate at 4.376% APR compared to 4.599% APR for the National market average over the life of a $250,000 mortgage over 180 months.

*Based upon independent research conducted by Datatrac for 134245 financial institution locations in the National market as of May 17, 2022.
†APR = Annual Percentage Rate

What our members are saying...

     

Refinance

We just recently refinanced the house from a 30 year to a 15 year mortgage. Everything was handled seamlessly from beginning to end.
      - Leslienewmember

Great experience!

From the start of the process to the closing, the process was smooth and efficient. Every Fairwinds employee was knowledgeable and professional. I'm happy I made the decision to go with Fairwinds.
      - DaveH

Great experience!!!

After shopping several mortgage lenders I found Fairwinds to have both the best rate and lowest closing costs. Bonus; I also found the nicest Loan Officer, Wynter in the process. Thank you Fairwinds I will be recommending you to my friends and family!