The average 15-year fixed refinance rate is 2.570% with an APR of 2.750%. The 5/1 adjustable-rate refinance (ARM) rate is 3.080% with an APR of 4.050%, according to Bankrate’s latest survey of the nation’s largest refinance lenders. Compare today's refinance rates and get quotes tailored to you below. Showing results for: Single-family home, 30 ...