Lower your interest rate, lower your monthly payment or pay off your home sooner by refinancing. Find answers to the most common frequently asked questions about refinancing a home loan. Check loan rates for Autos, Motorcycle, RVs, Boats, and Powersports. Appraisal costs range from $400 to $600 depending on the loan amount. Box 44963, Madison, WI 53744-4963). Refinance with Confidence. Taking cash out for home improvements, debt consolidation and more. Student Loan Refinance Seminar. Apply Now. UW Credit Union serves the needs of more than 290,000 members, from lending and savings to checking and investments, through world-class technology systems, and a network of 28 branch locations. Maximum mortgage balance you can refinance is $510,400. Free Credit Consultation. Fixed-rate terms of 10, 15, 20 or 30 years. Refinance Your Loans. Plus, free up cash for home improvements, debt consolidation and more. Use this calculator to sort through the confusion and determine if refinancing your mortgage is a sound financial decision. Discover three ways to protect your credit now. Are you refinancing a new or used vehicle? Lowering your monthly payments when you change your rate and term. When times are tough, every little bit helps. Easy rate quotes - Explore options for your unique situation. Learn More, Refinancing for loan balances over $510,400. Schedule Your In-Branch Appointment. 1. Adjustable-rate terms of 15 or 30 years, with ARM options of 1/1, 3/1, 5/1, 7/1 or 15/15. Longer terms have higher rates but lower monthly payments. Adjustable-rate mortgages (ARMs) are described with figures such as 1/1 and 3/1. Offer subject to credit approval. 3. Learn more and get a free quote. Apply Now Learn More. Your home is likely your biggest investment and most important asset. … UWCU Rewards Current Offers Visa Benefits Upgrade Your Card Learning Center ... Now is a great time to purchase a new or used vehicle or refinance your existing loan with us. That means implementing cutting-edge technology, award-winning employment practices, and more. Before you get started with your refi, find helpful information here. When you take out a student loan or refinance with UW Credit Union, you become a member. Choose a fixed-rate or an adjustable-rate mortgage refinance. The first number is the number of years the initial fixed-rate term lasts. Enjoy a lower loan rate when you have a Value or Premium Rewards Checking Account. Submitting your application is easy with our step-by-step application tool. Maximum mortgage balance you can refinance is $510,400. Rates and terms vary depending on the model year of your car, truck or motorcycle. Enable Javascript in your browser for a better experience. See rates page for additional details. Adjustable-rate terms of 15 or 30 years, with ARM options of 1/1, 3/1, 5/1, 7/1 or 15/15. Learn more today! Beyond Cars & Trucks. Learn more and sign up here. Refinance a minimum of $5,000 in student loans. Compare a family student loan. *APR is annual percentage rate. UW Credit Union strives to provide high-quality educational opportunities for our members and community by offering free seminars on a variety of topics. 6:00 PM-7:30 PM Thursday, February 27, 2020 3500 University Avenue, Madison. Rebate will be deposited into member’s UW Credit Union … Your membership gives you access to better rates and fewer fees than you'll find elsewhere, plus a range of valuable discounts and services like free financial seminars and budget help. UW Credit Union offers comprehensive financial services from Madison to Milwaukee including checking and savings accounts, credit cards, mortgages, auto loans, student loans, investments and more. Identity theft tends to rise during crises like the coronavirus pandemic, so now is the time to take extra precautions. Choose a fixed or variable rate and a term of 5, 7, 10 or 15 years. If the notification is verbal (made in branch or by phone at 800-533-6773), UWCU requires written verification to be received within 14 days of my verbal notice (delivered in branch or mailed to 3500 University Avenue, P.O. To refinance a larger mortgage, see our. Log in to continue your refinance application. Are you just interested in learning about all your options? Purchase or Refinance Made Easy. How long will it take to break even on a mortgage refinance? App Store is a service mark of Apple Inc. Android, Google Play and the Google Play Logo are trademarks of Google Inc. $149 processing fee applies to new Rapid Refinance requests. Learn More, Save big with closing costs of just $149. Protect your personal belongings in the event of an unexpected loss with affordable renters insurance from UW Credit Union. Classic refinancing for loans up to $510,400. Submit your mortgage loan refinance application online. Our local team of experts is here to make refinancing easy and hassle free. Your rate stays the same with a fixed-rate home loan, which may make budgeting easier. Local team - Our expert loan officers will help make your refinance a success. Discover where you can find UW Credit Union branches in the state of Wisconsin and get access to a full list of available ATMs. After you submit your application, you will be contacted within a matter of days. Learn More. Learn More. Rates are subject to change. Make the most of it with a range of support and options from UW Credit Union. All rights reserved. If refinancing your student loans sounds appealing, your first step is determining whether it’s a good fit for your goals and your financial situation. Your Financial Partner Through It All. * Lowest Closing Cost Commitment is available only for first mortgage purchase or refinance transactions. Apply for a boat loan, RV loan, or powersport loan. Begin a New Application. Refinance your auto loan with us and get up to $250 cash back – now through December 29. When you refinance your mortgage with us, you become a member of UW Credit Union. Get the Details 0.25% Rate Discount. Complete your application . Other closing costs are waived, except for the appraisal cost if required. You can refinance federal loans and/or private student loans. Enable Javascript in your browser for a better experience. Apply online or log in to continue an application. You want to lower your monthly payment with a longer term. Use this calculator to see if refinancing is right for you. Apply NowEstimate Your LoanCompare Refinance Options. Homeowner's insurance is required. Upload documentation. Make your appointment online. Returning applicant? Benefiting from competitive closing costs. Do you feel your interest rates are too high? UW Credit Union is a federally insured financial institution and a leading provider of a full range of consumer financial services. Rest assured your application will be carefully tracked, and you will be contacted in the order your application is received. Learn more about home loan refinancing in our FAQs. Refinance & Save. Have you been paying on your student loans but don’t feel like you are making progress? Learn More, Apply Now Estimate Your Loan Compare Options View Rates. Must be a primary residence and owner-occupied home. Learn More. Refinance your high-rate student loans into one low-rate loan with a single monthly payment. Fast application - Enjoy an easy, streamlined online application process. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. To streamline your application, check out this helpful list of things you'll need in advance. WI Are you just starting repayment of your student loans? For ovr 85 years, UW Credit Union has been dedicated to providing best-in-class service to our members. At UW Credit Union, we'll work hard to make your refinancing experience easy and stress-free. Your initial rate is usually lower with an adjustable-rate home loan but may adjust up or down in the future. Ready to apply for a new account or service at UW Credit Union? Refinancing basically involves replacing your current mortgage with a new one that’s a better fit. Appointments now available in person or by phone! We can help you finance your boat, RV, snowmobile, and more. Top Financial Tips for College Students (and Parents), Three Reasons to Open a Traditional or Roth IRA, Five Easy Ways to Manage Money While You Travel. Click here to open an account or apply for a loan. Learn about refinancing to help you save money, simplify your budget and pay off your loans faster. Choose a fixed-rate or an adjustable-rate mortgage refinance. Members typically save an average of $1,138 over the lives of their loans when they refinance. Mortgage Refinance Break Even. Check out helpful answers to the most frequently asked questions. Benefits include: At UW Credit Union, we'll work hard to make your refinancing experience easy and stress-free. That depends on a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. Refinance your mortgage to save money and get ahead. It’s quick, easy, and you’ll get a great rate. Copyright © 2020 UW Credit Union. UW Credit Union 3500 University Avenue Madison, WI 53705 608-232-5000 or 800-533-6773 All rights reserved. Already have student loans? After the five years are over, the rate may adjust once per year for the remainder of the loan. Create your account. UWCU Rewards Current Offers Visa Benefits Upgrade Your Card Learning Center ... Reasons to refinance may include: You want a lower interest rate. Simply follow the steps below to apply for a preapproval, a home loan, or a home loan refinance. Apply for a loan from UW Credit Union: credit cards, auto loans, home equity loans, home equity line of credit, reserve line of credit, or personal loans. For example, a 5/1 ARM has a fixed rate for five years. Refinance your auto loan with UW Credit Union to save money every month. Minimum loan amount is $7,500. Discover how UW Credit Union helped a member through the homebuying process on their forever home. Maximum cash back rebate is $250 per vehicle loan refinanced. Offer excludes VA, FHA, WHEDA, Rapid Refinance, jumbo, lot and construction loans. In fact, members typically save an average of $1,138 over the lives of their loans when they refinance with us. Existing UW Credit Union loans are not eligible for this refinance promotion. Our team of experts from Greater Madison to Greater Milwaukee are ready to assist you in finding the best option. New and Used auto interest rates change over time, but you can access current rates anytime online through UW Credit Union. Your membership gives you access to better rates and fewer fees than you'll find elsewhere, plus a range of valuable discounts and services like free financial seminars and budget help. Fixed-rate terms of 10, 15, 20 or 30 years. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play Logo are trademarks of Google Inc. Shorter terms have higher monthly payments, but your rate is lower and you pay less interest over time. Copyright © 2020 UW Credit Union. Option to make interest-only payments for the first 2 years. 5. UW Credit Union 3500 University Avenue Madison, WI 53705 608-232-5000 or 800-533-6773 In order to qualify for the 1% cash rebate, the vehicle loan must be funded on or after September 9, 2020, and vehicle loan application must be received by December 29, 2020. Learn more about all of our 'firsts'. You want to pay off your loan sooner with a shorter term. Read Tim's story and explore how UWCU can help you too! The second number is how often the rate may be adjusted after the initial term. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Learn More. The refinance process is quick, easy and completely online. Learn how to save money and reduce monthly payments. Free Financial Tools for College. Top Financial Tips for College Students (and Parents), Three Reasons to Open a Traditional or Roth IRA, Five Easy Ways to Manage Money While You Travel, �In-house servicing - We service our refinances, which means you can access your loan information and make payments in Web Branch.In-house servicing - We service our refinances, which means you can access your loan information and make payments in Web Branch.In-house servicing - We service our refinances, which means you can access your loan information and make payments in Web Branch.In-house servicing - We service our refinances, which means you can access your loan information and make payments in Web Branch.In-house servicing - We service our refinances, which means you can access your loan information and make payments in Web Branch.In-house servicing - We service our refinances, which means you can access your loan information and make payments in Web Branch.​. Rapid Refinance has a $149 processing fee due at closing. 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