Refinance

Offering conventional options, as well as our No Closing Cost Refinance, we have what you need to ensure you save money from day one! If you are in the market for a Refinance, you have found the right lender.

Enter our Mortgage Center and view our Online Application!

*APR = Annual Percentage Rate. All loans subject to approval; minimum credit score of 600 required for approval. Second Chance Mortgages are the refinance of non-CFCU mortgages only. Home must be a one-unit, primary residence. PMI required if LTV>80%. Transformation Checking and Autopay are required. Savings may vary and are not guaranteed. Federally insured by NCUA. Equal Housing Opportunity. NMLS# 299582.

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda).

BORROWER COMPLAINTS AND INQUIRIES

CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at www.dfs.ny.gov.