Skip NavigationSkip to Online BankingSkip to Accessible Content

Refinance to a better mortgage

Apply to Refinance

No closing, no fees, no points, no bull

Save thousands when you refinance your existing mortgage to Members 1st at no cost to you

Closing Costs





Mortgage Loan Rates

APR* as low as

10-Year Mortgage1

10 Years

Apply Now



15-Year Mortgage1

15 Year

Apply Now



20-Year Mortgage1

20 Year

Apply Now



View Rate Sheet View all Rates

Call for rates on Jumbo Loans

Cash out refinance loan

Thinking about cashing out?
If you have available equity in your home, you could get cash out at closing.
Estimate how much
you can borrow

Home insurance

You know you need it. But do you know how to get a deal?
Get a Quote

1. If a full appraisal is required by the credit union, the borrower will be responsible for this fee. The no cost program is only available one time per member and not available when refinancing an existing credit union loan.

This is a fixed rate available to qualified borrowers on a 10-, 15-, or 20-year term. Maximum 80% Loan-to-Value required. Minimum financing of $50,000. Mortgage loan proceeds may not be used to refinance existing Members 1st Credit Union loans. No early payoff penalties. The property must be a single family residence that is owner occupied (no rentals or investment properties). The Credit Union will not lend on mobile homes, manufactured homes, condos, or duplexes.

Example: A 10 year (120 month) 1st Mortgage of $100,000 at 4.25% APR, would require 119 monthly payments at $1024.64 with one final payment of $1023.63.

Example: A 15 year (180 month) 1st Mortgage of $100,000 at 4.50% APR, would require 179 monthly payments at $765.02 with one final payment of $764.62.

Example: A 20 year (240 month) 1st Mortgage of $100,000 at 4.75% APR, would require 239 monthly payments at $646.49 with one final payment of $645.81.

Apply now or speak with one of our loan officers at (800) 303-3838.