Refinance a Mortgage

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Lower rates will help you reach higher

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    Lower your monthly payment

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    Reduce the term of your loan

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    Consolidate your debt

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    Make home improvements

Express Mortgage℠

Gain freedom from your mortgage

Our Express Mortgage℠ lets you pay off your mortgage quicker – you’ll pay off your home in 12 years or less! Ideal for homeowners who are close to retirement; and for those who want to pay off their mortgage faster than with a traditional mortgage.

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Mortgage Rates

Express Mortgages

Term

Rate as Low as

Closing Costs*

Max LTV

*Closing costs do not include appraisal, if applicable.

Rates may change without notice. Rates above are effective as of August 25, 2021. Age 18 or older, membership and credit qualification required. Maximum loan amount $400,000. The payment is principal and interest and does not include taxes and insurance. For refinances of existing mortgages only. Owner occupied homes only.

Term

12 Years or Less

Rate as Low as

2.99%

Closing Costs*

$399

Max LTV

80%

Mortgages

Mortgage Type

Rate as Low as

Approximate monthly payment1

1Monthly payment is based on a loan amount of $150,000. The payment is principal and interest and does not include taxes and insurance.

Rates may change without notice. Rates above are effective as of June 21, 2021. Age 18 or older, membership and credit qualification required. Rates are assuming a mortgage on a single family, primary residence, in first lien position. Rates are based on 45 day lock period. Rates vary based on credit score, loan to value, loan origination fee (points), and lock period. Exact rates can only be quoted and locked with a mortgage loan officer.

Mortgage Type

30 Year Purchase

Rate as Low as

3.125%

Approximate monthly payment1

$642.56

Mortgage Type

15 Year Purchase

Rate as Low as

2.75%

Approximate monthly payment1

$1,017.93

Mortgage Type

30 Year Cash-out Refinance

Rate as Low as

3.375%

Approximate monthly payment1

$663.14

Mortgage Type

15 Year Cash-out Refinance

Rate as Low as

2.99%

Approximate monthly payment1

$1,035.15

Is refinancing right for you?

How long will it take to break even on a mortgage refinance? This question depends on a number of variables, including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home.

Our mortgage refinance calculator helps cut through the confusion and determine if refinancing your mortgage is a sound financial decision.

Use our online refinancing calculator

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Mortgage Options

Which of the following options apply to you?

Additional Mortgage Loans

  • Family of three smiling when mom returns from military service

    VA Mortgage

    We offer VA home loan programs to help service members, veterans, and eligible surviving spouses to become homeowners. These programs include options for no down payment, reduced closing costs, and competitive fixed rates.

  • Man slices fruit in kitchen

    FHA Mortgage

    The Federal Housing Administration (FHA) provides mortgage insurance on loans made by FHA-approved lenders, like Meridian Trust, to help everyone afford a home.

  • Woman paints canvas

    Portfolio Mortgage

    Portfolio mortgages are originated and retained by lenders. Since the lender sets the standards, they can often be favorable for borrowers.

What our members say about us

FAQs

We believe in community

Everyone deserves a chance to thrive, financially and otherwise. Here is a snapshot of our 2019-20 community efforts:

  • $14,000

    Amount raised during our 0.5k “run,” which we donated to the Friday Food Bag Foundation.

  • $5,800

    Amount delivered by our HEAT Program to pay heating bills for people in need.

  • 6

    Number of college scholarships awarded to Wyoming residents.

Ready to refinance?

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