Our branch locations will be closed Monday, October 9 in observance of Indigenous Peoples' Day. Online banking will remain available during the closure for your convenience.

skip mobile nav
skip social channels
skip header skip main navigation skip dropdowns
Refinance Your Mortgage

Refinance Your Mortgage


Refinancing your mortgage at Fox Communities Credit Union

First-time homebuyers aren’t always in the best financial situations — their credit scores could be on the lower side, they may not have much to put forward as a down payment, or they have to stretch out the term because they can’t afford much in terms of a monthly payment. That means the mortgages they have to settle for tend to have long terms, high interest rates, and/or high monthly payments.

And that’s why it’s so important to refinance your mortgage when the time is right. But when is the right time to refinance a mortgage? Well, the easiest way to find that out is to get in touch with our friendly and knowledgeable mortgage experts here at Fox Communities Credit Union and let us see what we can do for you — our Contact Us page has multiple ways for you to reach us. Otherwise, you need to look out for one or more of the following trends:

  • Interest rates have dropped below your current rate
  • You credit score has risen from what it was when you opened your mortgage
  • You want to convert your Adjustable Rate Mortgage to a Fixed Rate Mortgage
  • Your financial situation requires you to pay lower monthly payments

Why should I refinance my mortgage at Fox Communities Credit Union?

Like most financial institutions, we like to tout our low interest rates here at Fox — but that’s only one reason why coming to Fox to refinance your mortgage is the right way forward. In fact, the main reason you should come to Fox to refinance your mortgage is exactly that — we’ll help you find the best way forward.

We’re a non-profit credit union owned by our members, which means we’re not here to get every last penny we can out of you. It’s the exact opposite, actually — we want to save you as much money as we can. And if we can do that for you by refinancing your loan, then that’s exactly what we’ll do.

That’s really the most important question we ask ourselves here at Fox — are we doing what’s best for our members? So, if you’ve got questions about refinancing your mortgage, or if you want to learn about all of your different refinancing options, then come see our friendly Fox team and we’ll help you make your perfect mortgage happen.

What does refinancing my mortgage actually mean?

Refinancing means you are replacing your current mortgage with a new one — new terms, conditions, closing costs, and maybe even a new lender. And when you come to refinance your mortgage here at Fox, that means you’re probably going to save some money. But most of all, refinancing at Fox means you’ve got a financial partner ready to help you out in any and every way we can.

Can I see the current mortgage rates?

You sure can, they’re available on our mortgage rates webpage.

Additional mortgage resources

You can never have too much information, right? Especially when the subject is something as important as your mortgage. With that in mind, make sure you also check out our Fox mortgage resource page.

Additional Banking Resources







Any external site listed here is not operated or under the control of Fox Communities Credit Union (FCCU). By clicking on CONTINUE below, you will access a third-party site that is not operated by FCCU. FCCU is not responsible for the content of the third-party website. FCCU does not represent either you, or the website operator, if you enter into a transaction.

Please note that when you exit our site, our Privacy and security policy is no longer in effect. Privacy and security policies may differ from those practiced by FCCU and you should review the alternate websites' policies. You may cancel moving to the third party website by clicking on "X" to stay on www.foxcu.org



You are about to leave Fox Communities Credit Union's website. Any external site listed here is not under the control of Fox Communities Credit Union. Thank you for visiting. Please return when you need information about Fox Communities CU's products and services.