Mortgage Refinance — CoVantage Credit Union is a mortgage from CoVantage Credit Union. The ongoing APR is fixed-rate: 5 Year 5.63% rate / 5.98% APR; 10 Year 5.88% / 6.06%; 12 Year 5.88% / 6.04%; 15 Year 6.75% / 6.89%; 20 Year 7.13% / 7.24% (APR as low as, effective October 29, 2026).