No Lender Fees, No Points, No BullSave when you refinance your existing mortgage to Members 1st by paying no lender fees and no points.
APR* as low as
10-Year MortgageApply Now Learn More
Fixed 10-Year Mortgage
6.240%Apply Now Learn More
15-Year MortgageApply Now Learn More
Fixed 15-Year Mortgage
6.490%Apply Now Learn More
20-Year MortgageApply Now Learn More
Fixed 20-Year Mortgage
6.740%Apply Now Learn More
30-Year MortgageApply Now Learn More
Fixed 30-Year Mortgage
6.990%Apply Now Learn More
Call for rates on Jumbo Loans
Home Loan Services
- Manage an existing loan
- Check your application status by calling (530) 222-6060 x516
Cash out refinance loanThinking about cashing out?
If you have available equity in your home, you could get cash out at closing.
Home insuranceYou know you need it. But do you know how to get a deal?
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-, 20- or 30-year term. Maximum 80% Loan-to-Value required. 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 6.24% APR, would require 119 monthly payments at $1,122.76 with one final payment of $1,122.53..
Example: A 15 year (180 month) 1st Mortgage of $100,000 at 6.49% APR, would require 179 monthly payments at $871.01 with one final payment of $868.33..
Example: A 20 year (240 month) 1st Mortgage of $100,000 at 6.74% APR, would require 239 monthly payments at $760.23 with one final payment of $757.03..
Example: A 30 year (360 month) 1st Mortgage of $100,000 at 6.99% APR, would require 359 monthly payments at $665.12 with one final payment of $659.61..