Home Loans

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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


Rate (APR)

Minimum Loan Amount

10 Years



15 Years



20 Years



30 Year



  • 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.

Competitive Home Refinance

We match or beat competitors closing cost up!

*Will match or beat competitor's closing cost down to $775.00. T&I Credit Union reserves the right to eliminate this program at anytime. Effective 09/26/2019.

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* 2.53% $25,000

15 Years*

2.82% $25,000
20 Years* 2.82% $45,000
30 Years* 2.92% $45,000


  • 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 = .75% above the treasury rate. Actual APR can go no lower than 2.70% on 30 year term, 2.45% on 20 year term, 2.25% on 10 year term, regardless of treasury rate. 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. Effective 01/01/2019

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% 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 5.00% per year, which corresponds to a daily rate of 1.3699%. 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 09/23/2019 to 12/31/2019

Home Improvement Loan

Home Improvement Loan Rates


Rate (APR)

Maximum Loan Amount

36 Months


$500 - $10,000*

48 Months


$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 09/01/2019 to 12/31/2019.

Equal Housing Lender Smaller

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