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

3.30%

$25,000

15 Years

3.30%

$25,000

20 Years

3.60%

$45,000

30 Year

3.75%

$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.

*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. Contact T&I Credit Union for more details on cost of refinancing current T&I Credit Union loans and other details. Effective 03/23/2020.

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): 3.25% 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 3.25% per year, which corresponds to a daily rate of 0.008904%. 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 01/01/2020 to 03/31/2020

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 09/01/2019 to 01/31/2020.

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