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Find A Surchare-Free ATM:

Get access to thousands of fee-free ATMs by using the find a ATM feature, with the CO‑OP network, you have access to nearly 30,000 surcharge‑free* ATMs. When searching for a location, please select an ATM to ensure that you are not charged a fee by the ATM owner/operator. Click here to find the nearest surcharge-free* ATM.

System Conversion: Effective June 1, 2026

To better serve our members' financial needs, we will be upgrading our core system. For information regarding system availability the days leading up to the conversion and details about what to expect, please refer to our Member Conversion Resource Guide.

Home Refinance

Refinancing your mortgage has the potential to save you thousands of dollars over the life of your loan. If you want to take advantage of lower interest rates or the value of your home has increased, refinancing may make sense for you. But is it the right option?

Our home refinance process will help you take control of your mortgage expenses. We can help you decide by looking at the big picture and what you want to accomplish. 

Fixed Rate Mortgage

  • Various terms available
  • Easy to budget with predictable monthly payments
  • Consider a fixed rate mortgage when:
    • You don't plan to move for a number of years
    • You don't want to worry about rising interest rates
    • You expect your income to remain stable.

Adjustable Rate Mortgage

  • Fixed interest rate for the initial term then adjust for second term option according to an index.
  • Saves money with lower starting interest rate compared to a fixed rate.
  • Consider an adjustable rate mortgage when:
    • You plan to move or payoff your mortgage within 15 years
    • You want a lower monthly payment and are comfortable with a variable rate.

Disclosure:

APR= Annual Percentage Rate 

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