Home Loans

Vote4TheBest Winner (Long Banner)

Home Loans

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. From Royal Oak, Birmingham, and Troy, to homes all across Southeast Michigan, we are prepared to give you the home loan you deserve!

Mortgage Rates

Term

Rate (APR)

Minimum Loan Amount

10 Years

3.40%

$25,000

15 Years

3.45%

$25,000

20 Years

3.85%

$45,000

30 Year

3.99%

$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
  • Set up direct deposit with your T&I Credit Union Account

Click to Apply

**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. For loans up to 80% L.T.V - Use current mortgage rates or match loan rate of mortgagee's current lender, rates are as low as the current Platinum Rate Program. No rate match for loans over 80% L.T.V. Equal Housing Lender.  You must have direct deposit set up with a T&I Credit Union account or proof from your employer/financial institution stating you have gone through the process of switching your direct deposit to T&I Credit Union prior to closing the loan in order to receive this promotion. Existing T&I loans excluded. Effective 05/01/2019.

Platinum Rate Program

FINALLY! A reward fit for your great credit score and amazing financial practices. If you owe less than 50% of the value of your home, refinance your mortgage with us for one of the best rates in the market!

TermRate (APR)Minimum Loan Amount
Platinum Rates
10 Years 2.30% $25,000

15 Years

2.57% $25,000
20 Years 2.57% $45,000
30 Years 2.76% $45,000

*Rate = .75% above the treasury rate

Requirements

  • Credit score = 750 and higher
  • L.T.V = 50% or less
  • Balance on deposit = 10% of loan amount, or Net Direct Deposit of Payroll, SSI, or Pension
  • Application Fee: $999.00
  • Closing Cost: $0.00

*Rate based on previous Friday's end of day treasury rate. Locked in at time of application. If rate goes up during application process, member remains locked in at quoted rate. If rate goes down during the application process, members will be required to pay additional application fee of $999.00 to obtain the lower rate. All loans subject to credit review and approval. Rates and offers subject to change without notice. Only available on refinances and homes free and clear. Not available on home purchases. 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): 5.50% APR
  • 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. Up to 80% LTV. The margin to be added to the Index is zero (0) percentage points. Currently, the ANNUAL PERCENTAGE RATE is 5.50% per year, which corresponds to a daily rate of 1.5069%. 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 07/01/2019 to 09/30/2019

Home Improvement Loan

Home Improvement Loan Rates

Term

Rate (APR)

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 07/01/2019 to 09/30/2019.

Equal Housing Lender Smaller

Go to Top

Questions?

We are here to help you!

Visit Us

Email Us

Important Info

Routing Number: 123456789

Welcome, to XXX Bank

Personalization Settings

x

Welcome

XXX Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

Please do not remind again