CU RateFinder
    Credit union mortgage rates
    Home state: Rhode Island
    Lends in 2 states

    WAVE mortgage rates

    WAVE's lowest publicly advertised 30-year fixed rate today is 7.32% APR — the national average is 7.147%. We read WAVE's rates every weekday, starting around 11 a.m. Central.

    We last read WAVE's rates page on Nov 2, 2026.

    Today's rates from WAVE

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.25%7.32%—Nov 2, 2026Visit
    20 Year Fixed6.99%7.08%—Nov 2, 2026Visit
    15 Year Fixed6.75%6.862%—Nov 2, 2026Visit
    Visit WAVE's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the 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

    WAVE publishes mortgage lending in 2 states.

    MassachusettsRhode Island

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

    Not sure if WAVE is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including WAVE if you qualify — ranked by today's rate.

    Get notified when WAVE's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in Rhode Island

    See all Rhode Island credit union mortgage rates