Mortgage - Rates
Bringing you purchase options for real life.
Mortgage - Loan Rates
At Wings, we’re bringing something new to the mortgage world: flexibility. With a wide range of fixed and adjustable-rate options, Wings offers the choices, experience and support to help you finance your new home. At the end of the day, it’s not about fitting a member into a mortgage. It’s about fitting the right mortgage to a member. View our current mortgage rates.
Purchase
| Fixed-Rate Loan |
Purchase Rate As Low As1 |
Purchase APR2 |
Points3
PointsPoints are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000). |
Loan Amount |
Monthly Payment4 |
|---|---|---|---|---|---|
| 30 Year | 6.500% | 6.620% | 1.0 | $350,000 | $2,212.24 |
| 20 Year | 6.000% | 6.187% | 1.0 | $350,000 | $2,507.51 |
| 15 Year | 5.750% | 5.964% | 1.0 | $350,000 | $2,906.44 |
| 10 Year | 5.750% | 6.053% | 1.0 | $350,000 | $3,841.92 |
| Adjustable-Rate Loan |
Purchase Rate As Low As1 |
Purchase APR2 |
Points3
PointsPoints are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000). |
Loan Amount |
Monthly Payment4 |
|---|---|---|---|---|---|
| 5/1 ARM - 40 Year5 | 5.875% | 6.651% | 1.0 | $350,000 | $1,895.34 |
| 5/6 Month SOFR ARM6 | 5.375% | 6.124% | 1.0 | $350,000 | $1,959.90 |
| 7/6 Month SOFR ARM7 | 5.625% | 6.121% | 1.0 | $350,000 | $2,014.80 |
| 10/6 Month SOFR ARM7 | 5.750% | 6.105% | 1.0 | $350,000 | $2,042.50 |
| Jumbo Loan |
Purchase Rate As Low As1 |
Purchase APR2 |
Points3
PointsPoints are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000). |
Loan Amount |
Monthly Payment4 |
|---|---|---|---|---|---|
| 30 Year Fixed | 6.500% | 6.581% | 1.0 | $950,000 | $6,004.65 |
| 5/6 Month Jumbo SOFR ARM6 | 5.375% | 6.098% | 1.0 | $950,000 | $5,319.73 |
| 7/6 Month Jumbo SOFR ARM7 | 5.625% | 6.095% | 1.0 | $950,000 | $5,468.74 |
| 10/6 Month Jumbo SOFR ARM7 | 5.750% | 6.079% | 1.0 | $950,000 | $5,543.94 |
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
65/6 Month SOFR ARM Caps, first adjustment ±2.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
77/6 Month and 10/6 Month SOFR ARM Caps, first adjustment ±5.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Rate = Index (30 Day CME Term SOFR) + Margin.
Adjusts every 6 months after the first change.
Floor: 2.75%.
Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-rate mortgage (ARM) interest rates are fixed for an initial period and may increase or decrease thereafter according to the terms of the loan. As a result, monthly principal and interest payments may increase or decrease after the initial fixed-rate period.
ARM product descriptions indicate the initial fixed-rate period and how often the interest rate may adjust thereafter:
• 5/6 ARM – fixed for the first 5 years; rate may adjust every 6 months thereafter.
• 7/6 ARM – fixed for the first 7 years; rate may adjust every 6 months thereafter.
• 10/6 ARM – fixed for the first 10 years; rate may adjust every 6 months thereafter.
• 5/1 ARM – fixed for the first 5 years; rate may adjust annually thereafter.
Rates and APRs shown are examples only and may not reflect the actual rate or APR for which an applicant qualifies. Rates are subject to change. ARM products are subject to additional terms and conditions.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
65/6 Month SOFR ARM Caps, first adjustment ±2.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
77/6 Month and 10/6 Month SOFR ARM Caps, first adjustment ±5.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Rate = Index (30 Day CME Term SOFR) + Margin.
Adjusts every 6 months after the first change.
Floor: 2.75%.
Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-rate mortgage (ARM) interest rates are fixed for an initial period and may increase or decrease thereafter according to the terms of the loan. As a result, monthly principal and interest payments may increase or decrease after the initial fixed-rate period.
ARM product descriptions indicate the initial fixed-rate period and how often the interest rate may adjust thereafter:
• 5/6 ARM – fixed for the first 5 years; rate may adjust every 6 months thereafter.
• 7/6 ARM – fixed for the first 7 years; rate may adjust every 6 months thereafter.
• 10/6 ARM – fixed for the first 10 years; rate may adjust every 6 months thereafter.
• 5/1 ARM – fixed for the first 5 years; rate may adjust annually thereafter.
Rates and APRs shown are examples only and may not reflect the actual rate or APR for which an applicant qualifies. Rates are subject to change. ARM products are subject to additional terms and conditions.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
Refinance
| Fixed-Rate Loan |
Refinance Rate As Low As1 |
Refinance APR2 |
Points3
PointsPoints are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000). |
Loan Amount |
Monthly Payment4 |
|---|---|---|---|---|---|
| 30 Year | 6.500% | 6.620% | 1.0 | $350,000 | $2,212.24 |
| 20 Year | 6.000% | 6.187% | 1.0 | $350,000 | $2,507.51 |
| 15 Year | 5.750% | 5.964% | 1.0 | $350,000 | $2,906.44 |
| 10 Year | 5.750% | 6.053% | 1.0 | $350,000 | $3,841.92 |
| Adjustable-Rate Loan |
Refinance Rate As Low As1 |
Refinance APR2 |
Points3
PointsPoints are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000). |
Loan Amount |
Monthly Payment4 |
|---|---|---|---|---|---|
| 5/6 Month SOFR ARM6 | 5.375% | 6.124% | 1.0 | $350,000 | $1,959.90 |
| 7/6 Month SOFR ARM7 | 5.625% | 6.121% | 1.0 | $350,000 | $2,014.80 |
| 10/6 Month SOFR ARM7 | 5.750% | 6.105% | 1.0 | $350,000 | $2,042.50 |
| Jumbo Loan |
Refinance Rate As Low As1 |
Refinance APR2 |
Points3
PointsPoints are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000). |
Loan Amount |
Monthly Payment4 |
|---|---|---|---|---|---|
| 30 Year Fixed | 6.500% | 6.581% | 1.0 | $950,000 | $6,004.65 |
| 5/6 Month Jumbo SOFR ARM6 | 5.375% | 6.098% | 1.0 | $950,000 | $5,319.73 |
| 7/6 Month Jumbo SOFR ARM7 | 5.625% | 6.095% | 1.0 | $950,000 | $5,468.74 |
| 10/6 Month Jumbo SOFR ARM7 | 5.750% | 6.079% | 1.0 | $950,000 | $5,543.94 |
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
65/6 Month SOFR ARM Caps, first adjustment ±2.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
77/6 Month and 10/6 Month SOFR ARM Caps, first adjustment ±5.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Rate = Index (30 day CME Term SOFR) + Margin.
Adjusts every 6 months after the first change.
Floor: 2.75%.
8Potential refinancing benefits—including a lower interest rate, lower monthly payment, overall savings, or access to cash from home equity—are not guaranteed. A lower rate or savings may be available when an applicant’s current interest rate is higher than the rate for which they qualify through Wings. A lower monthly payment may result from a lower interest rate or changes to the loan term; extending the repayment term may increase the total interest paid over the life of the loan. Cash-out proceeds require sufficient available home equity, meaning the property’s appraised value must support the existing loan balance and the requested cash-out amount. All loans are subject to borrower qualifications, underwriting approval, property eligibility, market conditions, loan terms, fees, and closing costs. Actual rates, payments, proceeds, and savings will vary.
Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-rate mortgage (ARM) interest rates are fixed for an initial period and may increase or decrease thereafter according to the terms of the loan. As a result, monthly principal and interest payments may increase or decrease after the initial fixed-rate period.
ARM product descriptions indicate the initial fixed-rate period and how often the interest rate may adjust thereafter:
• 5/6 ARM – fixed for the first 5 years; rate may adjust every 6 months thereafter.
• 7/6 ARM – fixed for the first 7 years; rate may adjust every 6 months thereafter.
• 10/6 ARM – fixed for the first 10 years; rate may adjust every 6 months thereafter.
• 5/1 ARM – fixed for the first 5 years; rate may adjust annually thereafter.
Rates and APRs shown are examples only and may not reflect the actual rate or APR for which an applicant qualifies. Rates are subject to change. ARM products are subject to additional terms and conditions.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
65/6 Month SOFR ARM Caps, first adjustment ±2.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
77/6 Month and 10/6 Month SOFR ARM Caps, first adjustment ±5.00%; subsequent adjustments ±1.00%; lifetime cap +5.00% over the initial rate. Floor: 2.75%.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Rate = Index (30 day CME Term SOFR) + Margin.
Adjusts every 6 months after the first change.
Floor: 2.75%.
8Potential refinancing benefits—including a lower interest rate, lower monthly payment, overall savings, or access to cash from home equity—are not guaranteed. A lower rate or savings may be available when an applicant’s current interest rate is higher than the rate for which they qualify through Wings. A lower monthly payment may result from a lower interest rate or changes to the loan term; extending the repayment term may increase the total interest paid over the life of the loan. Cash-out proceeds require sufficient available home equity, meaning the property’s appraised value must support the existing loan balance and the requested cash-out amount. All loans are subject to borrower qualifications, underwriting approval, property eligibility, market conditions, loan terms, fees, and closing costs. Actual rates, payments, proceeds, and savings will vary.
Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-rate mortgage (ARM) interest rates are fixed for an initial period and may increase or decrease thereafter according to the terms of the loan. As a result, monthly principal and interest payments may increase or decrease after the initial fixed-rate period.
ARM product descriptions indicate the initial fixed-rate period and how often the interest rate may adjust thereafter:
• 5/6 ARM – fixed for the first 5 years; rate may adjust every 6 months thereafter.
• 7/6 ARM – fixed for the first 7 years; rate may adjust every 6 months thereafter.
• 10/6 ARM – fixed for the first 10 years; rate may adjust every 6 months thereafter.
• 5/1 ARM – fixed for the first 5 years; rate may adjust annually thereafter.
Rates and APRs shown are examples only and may not reflect the actual rate or APR for which an applicant qualifies. Rates are subject to change. ARM products are subject to additional terms and conditions.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
Construction Loans
| Construction Loans | Rate As Low As1 | APR2 | Loan Amount | Monthly Payment4 |
|---|---|---|---|---|
| 12 Month Construction | 5.125% | 6.722% | $350,000 | $747.40 |
| 3/6 Month Construction SOFR ARM | 6.000% | 6.644% | $350,000 | $875.00 |
| Jumbo Construction Loans | Rate As Low As1 | APR2 | Loan Amount | Monthly Payment4 |
|---|---|---|---|---|
| 12 Month Jumbo Construction | 5.125% | 5.708% | $950,000 | $2,028.65 |
| 3/6 Month Jumbo Construction SOFR ARM | 6.125% | 6.636% | $950,000 | $2,424.48 |
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Construction ARM Terms:
Adjustable-rate mortgage (ARM) interest rates are fixed for an initial period and may increase or decrease thereafter according to the terms of the loan. As a result, monthly principal and interest payments may increase or decrease after the initial fixed-rate period.
Construction ARM products advertised on this page are 3/6 ARMs. The interest rate is fixed for the first 3 years and may adjust every 6 months thereafter according to the terms of the loan.
Rates and APRs shown are examples only and may not reflect the actual rate or APR for which an applicant qualifies. Rates are subject to change.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.
Construction ARM Terms:
Adjustable-rate mortgage (ARM) interest rates are fixed for an initial period and may increase or decrease thereafter according to the terms of the loan. As a result, monthly principal and interest payments may increase or decrease after the initial fixed-rate period.
Construction ARM products advertised on this page are 3/6 ARMs. The interest rate is fixed for the first 3 years and may adjust every 6 months thereafter according to the terms of the loan.
Rates and APRs shown are examples only and may not reflect the actual rate or APR for which an applicant qualifies. Rates are subject to change.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
Lot Loans
| Lot Loans | Rate As Low As1 | APR2 | Loan Amount | Monthly Payments4 |
|---|---|---|---|---|
| 3 Year Lot Balloon | 6.125% | 6.411% | $350,000 | $2,532.81 |
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Balloon Loan Terms:
Monthly payments are based on the stated amortization schedule; however, the remaining unpaid principal balance and any accrued interest will become due at the end of the 3-year balloon period. Borrowers should carefully consider their ability to pay the balloon amount when it becomes due or their ability to refinance at that time. Rates and terms are subject to change.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 30% downpayment, a credit score of 780 or higher and $4,896.00 ($11,285.00 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
3Points are an amount paid to the mortgage lender at closing used to lower the interest rate. One point is equal to one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).
4Monthly payment examples do not include any applicable taxes or insurance premiums. Actual payments could be higher.
5For first-time homebuyers only.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Balloon Loan Terms:
Monthly payments are based on the stated amortization schedule; however, the remaining unpaid principal balance and any accrued interest will become due at the end of the 3-year balloon period. Borrowers should carefully consider their ability to pay the balloon amount when it becomes due or their ability to refinance at that time. Rates and terms are subject to change.
Membership with a $5 Share Account required.
Rates effective as of July 28, 2026 and subject to change.
Rates effective as of July 28, 2026 and subject to change.
