Mortgages

If your first mortgage has a low balance, refinance with our short-term mortgage rates and save. Compared to longer-term first mortgage products, our short-term mortgages offer more favorable rates with minimal fees. In fact, qualified members can refinance for $350 or less.

By refinancing your mortgage at one of our 5-, 7- or 10-year terms, you could reduce the interest you pay and possibly lower your monthly payments. When you refinance, you can get additional money for home improvements, college tuition or debt consolidation. By consolidating your bills into your low-rate mortgage, you’ll pay just one low monthly payment and could reduce your interest costs. Most credit cards and other types of loans have rates significantly higher than our mortgages. Combined with your potential tax savings you could save a lot of money.

With our low, 5-, 7- and 10-year fixed rates, you can borrow up to 80% of your home’s current market value, up to a maximum of $500,000. For loans not exceeding $250,000, closing costs will be a maximum of $350 plus the actual cost of an appraisal if it is determined an appraisal is needed. For loans exceeding $250,000, closing costs will be the actual costs. Should it be determined that an appraisal is necessary, you will be charged the appraisal fee at the credit union’s cost.

In most cases, we can approve short-term mortgages for qualified members by the next business day, and close on a schedule that meets your needs.

Click here for our refinancing calculator.

You work hard to give your family a home and the treasured memories that go with it.  Help protect them with the TruStage™ Home Insurance Program.

What's covered?

Home insurance could help cover damage or loss due to fire, weather, theft and more.  And it helps protect you from liability if an accident happens on your property.

What are the advantages?

TruStage gives credit union members access to coverage underwritten by Liberty Mutual Insurance® along with these popular benefits*:

• Potential savings for credit union members
• Discounts for multiple policies
• 24/7 claims, even on holidays
• Inflation protection
• Temporary housing assistance when you need it

For more information or to get a quote, please click here.

TruStage is underwritten by CMFG Life Insurance Company, which is rated "A" (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year.  An "A" rating is the third highest of 16 ratings.

*Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.  Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Liberty Mutual Copyright 2023. Discounts are not available in all states and discounts vary by state.  A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow.  Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. © TruStage

Claim your no-cost Accidental Death & Dismemberment Insurance.  Add more coverage starting at around $1 a month.*

Your $1000 of no-cost TruStage™ Accidental Death and Dismemberment coverage, courtesy of Central Credit Union, is now available for you to claim.

As a member of Central Credit Union, you have received $1000 in AD&D coverage from TruStage at no cost to you. AD&D coverage can pay a cash benefit to you and your loved ones in the case of a covered accident. It can also pay benefits if you are hospitalized or suffer from lost ability (such as loss of eyesight or hearing) due to an accident. It’s money your family can use to help cover any expenses you have while you focus on recovery.  

Again, it costs you absolutely nothing—only a few minutes of your time—to get $1000 of coverage. If you choose, additional insurance is available for you or eligible family members at rates designed to be budget-friendly. Your acceptance is guaranteed—with no health questions or medical exam.

Don't miss out on this valuable, no-cost benefit part of your credit union membership. Enrolling is quick and simple. Go to www.trustage.com/add-insurance or call toll-free 1-800-798-8798.

*Cost is between $1 and $1.50 per month for every $10,000 of individual TruStage AD&D Insurance.

TruStage™ Accidental Death and Dismemberment Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Policy Form Numbers: ADD-2018-POL, ADD-2018-POL(OR), 2018-ADD-POLRDR-CI, 2018-ADD-POLRDR-CNR, E10-ADD-2012, E10a-ADD-2012-LSCU, E10a-014-2012, E10a-014-2012(OR), E10a-015-2012, F10a-015-2012-1(WA).
© TruStage

ADI-2951032.2