Home Loans

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Mortgage Refinance Loan

Why pay more money than you need to? Not only can you save money by lowering your interest rate sooner, but you also pay well below the industry average closing cost when you refinance with T&I Credit Union.

Mortgage Rates

Term

Rate

Minimum Loan Amount

10 Years

4.00%

$25,000

15 Years

4.25%

$25,000

20 Years

4.50%

$45,000

30 Year

4.75%

$45,000

  • Application fee: $500
  • Refinance/closing fee paid by borrower: $275
  • No escrow

For more information on requirements for our mortgage refinance program, as well as an application, Click Here.

No Cost Home refinance

  • Absolutely NO COST OR FEES to refinance your home with us
  • We will match or beat your current rate
  • Receive a $100 VISA gift card upon closing
  • No escrow

Requirements:

  • Be a member of T&I Credit Union.
  • Apply for a refinance mortgage through us within 6 months of closing on your original purchase mortgage.

**All Loans are subject to credit review and approval. Rates and offer are subject to change without notice. Actual rates may vary based on credit score. Equal Housing Lender.

Home Equity Line of Credit

Use the equity in your home to help pay for home improvement repairs, unexpected emergencies, and more.

  • Current Rate (Variable): 5.00%
  • Borrow up to $125,000
  • Application Fee: $75.00
  • Your credit line is accessible for 10 years

*The ANNUAL PERCENTAGE RATE will vary in accordance with an Index. The "Index" is the average "Prime Rate" or "Base Rate" on corporate loans at large U.S. Money Center Commercial Banks as quoted as the average in The Wall Street Journal, "money rates" column. The margin to be added to the Index is zero (0) percentage points. Currently, the ANNUAL PERCENTAGE RATE is 5.00% per year, which corresponds to a daily rate of .13699%. All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. Existing T&I loans excluded. Effective 10/01/2018 to 12/31/2018

Home Improvement Loan

Home Improvement Loan Rates

Term

Rate

Maximum Loan Amount

36 Months

7.00%

$500 - $10,000*

48 Months

8.00%

$500 - $10,000*

*Per qualified borrower

*All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rate may vary based on credit score. Existing T&I loans excluded. Effective 08/1/2018 to 12/31/2018.

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