Historic SELF Refi Loan Variable Interest Rates

Current and historical interest rates for the SELF Refi program are listed below.

Historic Variable Rates by Year - Issued after 10/01/2022 based on SOFR index
Year	Term	Quarter
		1st	2nd	3rd	4th
2025	5 Year 10 Year 15 Year	6.80% 7.55% 8.05%	6.80% 7.55% 8.05%
2024	5 Year 10 Year 15 Year	7.90% 8.65% 9.15%	7.90% 8.65% 9.15%	7.90% 8.65% 9.15%	7.20% 7.95% 8.45%
2023	5 Year 10 Year 15 Year	7.00% 7.75% 8.25%	7.30% 8.05% 8.55%	7.70% 8.45% 8.95%	7.90% 8.65% 9.15%
2022	5 Year 10 Year 15 Year				6.00% 6.75% 7.25%
Historic Variable Rates by Year - Issued prior to 10/01/2022 based on LIBOR index. Starting October 1, 2023 index is based on one-month United States Dollar IBOR Consumer Cash Fallbacks (CME Term SOFR).

Historic Variable Rates by Year - Issued prior to 10/01/2022 based on LIBOR index
Year	Term	Quarter
		1st	2nd	3rd	4th
2025	5 Year 10 Year 15 Year	7.10% 7.75% 8.45%	6.80% 7.45% 8.15%
2024	5 Year 10 Year 15 Year	7.80% 8.45% 9.15%	7.80% 8.45% 9.15%	7.80% 8.45% 9.15%	7.80% 8.45% 9.15%
2023	5 Year 10 Year 15 Year	6.20% 6.85% 7.55%	7.00% 7.65% 8.35%	7.50% 8.15% 8.85%	7.80% 8.45% 9.15%
2022	5 Year 10 Year 15 Year	2.50% 3.15% 3.85%	2.60% 3.25% 3.95%	3.30% 3.95% 4.65%	4.80% 5.45% 6.15%
2021	5 Year 10 Year 15 Year	2.50% 3.15% 3.85%	2.50% 3.15% 3.85%	2.50% 3.15% 3.85%	2.50% 3.15% 3.85%
2020*	5 Year 10 Year 15 Year	4.20% 4.85% 5.55%	3.9% 4.55% 5.25%	2.80% 3.45% 4.15%	2.6% 3.25% 3.95%
*All interest rates were 0% from 3-13-20 through 9-30-20 due to COVID-19
2019	5 Year 10 Year 15 Year	4.70% 5.35% 6.05%	4.90% 5.55% 6.25%	4.80% 5.45% 6.15%	4.60% 5.25% 5.95%
2018	5 Year 10 Year 15 Year	4.00% 4.65% 5.35%	4.00% 4.65% 5.35%	4.40% 5.05% 5.75%	4.50% 5.15% 5.85%
2017	5 Year 10 Year 15 Year	3.30% 3.95% 4.65%	3.50% 4.15% 4.85%	3.70% 4.35% 5.05%	3.90% 4.55% 5.25%
2016	5 Year 10 Year 15 Year	3.00% 3.65% 4.35%	3.20% 3.85% 4.55%	3.20% 3.85% 4.55%	3.20% 3.85% 4.55%
2015	5 Year 10 Year 15 Year				3.00% 3.65% 4.35%