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Save money by lowering your interest rate, reducing your monthly payment, and shortening your mortgage term.

Key Features


Ready to trade in your mortgage for a new one? A traditional refinance can help you lower your monthly payment amount, reduce the amount of interest you pay, offer opportunities to cash out on your home equity and more! By refinancing your mortgage loan with FCCU, you can enjoy no-or-low closing costs, local service, and access to member perks like qualifying1 for Member Loyalty Cash at the end of the year. See rates and apply today! 


A Rapid Refi will shorten your 20- or 30- year mortgage to 12 years or less with fixed rate options. A Rapid Refi is available to refinance home loans of owner occupied residences of $250,000 or less with maximum loan to value ratio of 80%.  Enjoy a quicker closing timeline than a traditional refinance, plus save on interest payments and closing costs.

A rapid refinance may be right for you if:  

  • You want to pay off your mortgage and build equity quickly
  • You want to save on interest and closing costs
  • Your current mortgage rate is going to increase
  • You want to cash out your home equity to pay for big expenses

1Members must have a mortgage loan that originated in the current year to earn qualifying portion.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.