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 | 5.875% | 5.979% | 1.0 | $350,000 | $2,070.38 |
| 20 Year | 5.375% | 5.542% | 1.0 | $350,000 | $2,382.96 |
| 15 Year | 5.125% | 5.335% | 1.0 | $350,000 | $2,790.62 |
| 10 Year | 5.000% | 5.327% | 1.0 | $350,000 | $3,712.29 |
| 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 |
|---|---|---|---|---|---|
| 10/1 ARM - 30 Year | 5.750% | 6.070% | 1.0 | $350,000 | $2,042.50 |
| 7/1 ARM - 30 Year | 5.375% | 6.006% | 1.0 | $350,000 | $1,959.90 |
| 5/1 ARM - 30 Year | 5.250% | 6.076% | 1.0 | $350,000 | $1,932.71 |
| 5/1 ARM - 40 Year5 | 5.500% | 6.198% | 1.0 | $350,000 | $1,805.20 |
| 3/6 Month SOFR ARM | 5.250% | 6.874% | 1.0 | $350,000 | $1,932.71 |
| 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 |
|---|---|---|---|---|---|
| 10/1 ARM - 30 Year | 5.750% | 6.056% | 1.0 | $950,000 | $5,543.94 |
| 7/1 ARM - 30 Year | 5.500% | 6.009% | 1.0 | $950,000 | $5,394.00 |
| 5/1 ARM - 30 Year | 5.375% | 6.075% | 1.0 | $950,000 | $5,319.73 |
| 3/6 Month Jumbo SOFR ARM | 5.375% | 6.876% | 1.0 | $950,000 | $5,319.73 |
| 30 Year Fixed | 5.875% | 5.965% | 1.0 | $950,000 | $5,619.61 |
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.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate/APR add on of 0.125%. Active checking account with ACH direct deposit(s) of $1,000 or more per month and 5 or more debit card transactions per month required. Available for ARM products up to $1,000,000.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate/APR add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.
Membership with a $5 Share Account required.
Rates effective as of October 27, 2025 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.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate/APR add on of 0.125%. Active checking account with ACH direct deposit(s) of $1,000 or more per month and 5 or more debit card transactions per month required. Available for ARM products up to $1,000,000.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate/APR add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.
Membership with a $5 Share Account required.
Rates effective as of October 27, 2025 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 | 5.875% | 5.979% | 1.0 | $350,000 | $2,070.38 |
| 20 Year | 5.375% | 5.542% | 1.0 | $350,000 | $2,382.96 |
| 15 Year | 5.125% | 5.335% | 1.0 | $350,000 | $2,790.62 |
| 10 Year | 5.000% | 5.327% | 1.0 | $350,000 | $3,712.29 |
| 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 |
|---|---|---|---|---|---|
| 10/1 ARM - 30 Year | 5.750% | 6.070% | 1.0 | $350,000 | $2,042.50 |
| 7/1 ARM - 30 Year | 5.375% | 6.006% | 1.0 | $350,000 | $1,959.90 |
| 5/1 ARM - 30 Year | 5.250% | 6.076% | 1.0 | $350,000 | $1,932.71 |
| 3/6 Month SOFR ARM | 5.250% | 6.874% | 1.0 | $350,000 | $1,932.71 |
| 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 |
|---|---|---|---|---|---|
| 10/1 ARM - 30 Year | 5.750% | 6.056% | 1.0 | $950,000 | $5,543.94 |
| 7/1 ARM - 30 Year | 5.500% | 6.009% | 1.0 | $950,000 | $5,394.00 |
| 5/1 ARM - 30 Year | 5.375% | 6.075% | 1.0 | $950,000 | $5,319.73 |
| 3/6 Month Jumbo SOFR ARM | 5.375% | 6.876% | 1.0 | $950,000 | $5,319.73 |
| 30 Year Fixed | 5.875% | 5.965% | 1.0 | $950,000 | $5,619.61 |
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.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Additional Fixed Rate Terms:
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) rates are subject to change according to product terms.
ARM product with 90% LTV with no PMI is subject to a rate/APR add on of 0.125%
Membership with a $5 Share Account required.
Rates effective as of October 27, 2025 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.
Origination Fee: $1,250 or 1% of loan amount, whichever is lower. Additional third-party closing costs will apply.
Additional Fixed Rate Terms:
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) rates are subject to change according to product terms.
ARM product with 90% LTV with no PMI is subject to a rate/APR add on of 0.125%
Membership with a $5 Share Account required.
Rates effective as of October 27, 2025 and subject to change.
Construction Loans
| Construction Loans | Rate As Low As1 | APR2 | Loan Amount | Monthly Payment4 |
|---|---|---|---|---|
| 12 Month Construction | 4.875% | 6.468% | $350,000 | $710.94 |
| 3/6 Month Construction SOFR ARM | 5.750% | 7.216% | $350,000 | $838.54 |
| Jumbo Construction Loans | Rate As Low As1 | APR2 | Loan Amount | Monthly Payment4 |
|---|---|---|---|---|
| 12 Month Jumbo Construction | 4.875% | 5.457% | $950,000 | $1,929.69 |
| 3/6 Month Jumbo Construction SOFR ARM | 5.875% | 7.208% | $950,000 | $2,325.52 |
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.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate/APR add on of 0.125%. Active checking account with ACH direct deposit(s) of $1,000 or more per month and 5 or more debit card transactions per month required. Available for ARM products up to $1,000,000.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate/APR add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.
Membership with a $5 Share Account required.
Rates effective as of October 28, 2025 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.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate/APR add on of 0.125%. Active checking account with ACH direct deposit(s) of $1,000 or more per month and 5 or more debit card transactions per month required. Available for ARM products up to $1,000,000.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate/APR add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.
Membership with a $5 Share Account required.
Rates effective as of October 28, 2025 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.
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) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate/APR add on of 0.125%. Active checking account with ACH direct deposit(s) of $1,000 or more per month and 5 or more debit card transactions per month required. Available for ARM products up to $1,000,000.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate/APR add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.
Membership with a $5 Share Account required.
Rates effective as of October 28, 2025 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.
Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate/APR add on of 0.125%. Active checking account with ACH direct deposit(s) of $1,000 or more per month and 5 or more debit card transactions per month required. Available for ARM products up to $1,000,000.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate/APR add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.
Membership with a $5 Share Account required.
Rates effective as of October 28, 2025 and subject to change.