Home state: Rhode Island

    WAVE mortgage rates

    WAVE's lowest publicly advertised 30-year fixed rate today is 6.99% — the national average is 6.88%. We track WAVE daily and refresh rates every morning.

    Today's rates from WAVE

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.99%7.059%Sep 11, 2026Visit
    20 Year Fixed6.875%6.965%Sep 11, 2026Visit
    15 Year Fixed6.375%6.485%Sep 11, 2026Visit

    Rate history

    Lowest daily rate WAVE advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join WAVE

    Wave Federal Credit Union membership is open to anyone who lives, works, attends school, or worships in the state of Rhode Island or in Bristol County, Massachusetts. Family members of existing accounts are also eligible to join.

    County
    Bristol County, MA

    Where WAVE writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with WAVE.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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