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Why Refinance Your Home Now?
With 0.25% off rates and 0.50% off origination, refinancing your mortgage now could help you:
• Consolidate Debt
• Lower Your Rate
• Reduce Your Monthly Payment
• Take Cash Out for Big Projects and More!
What if Rates Fall Later?
When you refinance your home with ORNL FCU, you can lock in a lower interest rate at any time within five years of closing. If rates drop, you can take advantage of the lower rate—no second guessing required.
APPLY NOW
Ready to Refinance?
Good choice! We’ll make the process simple. Apply online now, visit a local branch, or give us a call to get started.
(1) Rate and Origination Discount Exclusions: Terms and conditions apply. Subject to credit approval. Primary residence refinance loans only. Not available for HELOCs, Land, Employee, Smart Loan, Realty Resource Loans, and Contruction-to-Permanent (C2P). Offer available for complete applications from April 1, 2026, through June 30, 2026.
(2) Rate Float-down Exclusions: May be initiated only once and must use ORNL FCU’s current market rates. Offer is available during the first five (5) years after closing. Member(s) must be in good standing with ORNL FCU. No cap applies to the float‑down, and there is no cost, no new credit qualification (rate calculated on initial credit qualification), and no change to the loan’s initial terms. Execution of modification documents is required. Loan must be serviced and held by ORNL FCU to be eligible. Offer available for complete applications from April 1, 2026, through June 30, 2026.