Refinance Home Loan La Crosse

Refinance Home Loan La Crosse

refinance home loan la crosse

Refinancing means you replace your first loan with a second mortgage that comes with different terms. This happens in special circumstances such as when the borrower needs a longer term of payment. If the lender  agrees, the loan will be refinanced; lowering the payments and extending the term. Most people get a refinance home loan in La Crosse because it helps lower their interest rate.

If you want to get a refinance home loan in La Crosse, you might as well seek help from Governmental Employees Credit Union (G.E.C.U.). We’re here to assist our members with their financial needs, whether it’s online banking or when they’re trying to get a refinance home loan in La Crosse. Contact us to learn more.

What Are the Benefits of Getting a Refinance Home Loan in La Crosse?

A home mortgage is a long-term financial obligation that requires large monthly payments. That’s why it’s understandable that a lot of people consider applying for a refinance home loan in La Crosse. You may be wondering why many want to get a refinance home loan in La Crosse. It’s because a refinance home loan in La Crosse has several advantages. Here are some of them:

  • When You Apply for a Refinance Home Loan in La Crosse, You Can Lower Your Monthly Payment

One of the main reasons why homeowners choose a refinance home loan in La Crosse is because it can decrease the amount of money they have to pay every month. When you decide to apply for a refinance home loan in La Crosse, you’ll be able to allocate more money for other basic needs, such as clothing and food. 

In addition, if you ask for a refinance home loan in La Crosse when the market interest rate is low, you can get a much lower payment with a low interest rate. Remember that when you apply for a refinance home loan in La Crosse, you’ll have a lower monthly payment but with a long-term mortgage.

  • When You Take Out a Refinance Home Loan in La Crosse, You Can Build Equity Faster

If you apply for a refinance home loan in La Crosse, you can also have the option of shortening your term of payment. If you choose this when you get a refinance home loan in La Crosse, you can save more money since you’ll pay for a shorter period of time. 

  • When You Ask for a Refinance Home Loan in La Crosse, You Can Manage Your Credit Score

If you have bad credit, it’s a good option for you to apply for a refinance home loan in La Crosse. When you decide to get a refinance home loan in La Crosse, you’re lowering the amount of money you’re going to pay; therefore, you have the chance to make payments on time. 

Getting a refinance home loan in La Crosse will help improve your credit. When that happens, use it to refinance other loans with lower interest rates. 

  • When You Get a Refinance Home Loan in La Crosse, You Can Secure a Better Interest Rate

Trying to apply for a refinance home loan in La Crosse can also get you a lower interest rate aside from lower payments. This ensures that you’ll spend less and pay off your loan faster. 

You can also ask for a refinance home loan in La Crosse to get a more suitable rate. You’ll be able to swap a fixed rate with a floating rate. Changing your repayment frequency is also an option when you get a refinance home loan in La Crosse.

Apply for a Refinance Home Loan in La Crosse From Us

If you want to get a refinance home loan in La Crosse, contact Governmental Employees Credit Union now. As a friendly credit union, we’re here to assist you with any banking service you need. So what are you waiting for? Apply for a refinance home loan in La Crosse. Call G.E.C.U. today.

 Making Everyone Count Since 1931

Credit unions are known as a great alternative to banks. These institutions offer accounts with lower fees and loan rates. They’re also owned by their customers, that’s why they offer better deals. If you want the idea of a customer-owned financial institution, joining a credit union might be the right choice for you.

Many credit unions offer a lot of benefits. However, not all of them are able to provide their customers with a great experience. If you want to make sure that you get great deals and satisfying customer service, join Governmental Employees Credit Union (G.E.C.U.). We offer great financial services while making sure that our customers feel valued. 

Open an Account With Us

Like any other bank, we also give our clients the privilege to open a bank account for their funds. Whether it’s a checking or savings account, G.E.C.U. makes sure to provide you the one that’s perfectly tailored to your lifestyle and needs. 

  • Checking Accounts

At G.E.C.U., we don’t just provide great checking accounts. We also give you a lot of rewards with Kasasa Cash! You can choose between three options. 

The first option we have is the free Kasasa Cash Checking account with a high-interest reward. The second is a free Kasasa Cash Back Checking account with 2.25% cashback on purchases using your debit card. The third is the Free Kasasa Tunes Checking account, which gives you digital credits for apps and music purchases. Whichever you choose can be opened in minutes, too. Hassle-free, right? 

  • Savings Accounts

Here, we offer you a lot of savings account options for you as well. 

  • Basic Savings Account

This marks your membership with us. You’re only required to deposit a minimum of $5 to open your account.

  • Elite Money Market Account

When you choose this account, the higher your balance is, the higher the interest rate you’ll get. You won’t get any maintenance fee if your balance is amounting to or more than $2,500.

  • Health Savings Account (HSA)

With this account, you can prepare for medical expenses you might have in the future. You can also enjoy triple tax saving where you’ll have tax-free withdrawals for any medical expenses and earnings. 

  • Certificates of Deposit (CDs)

Having trouble with saving money? This option is for you, then. Fixed-rate earnings for your term of choice. 

  • Christmas Club

This type of savings account is created especially for your holiday funds. It also helps keep you away from having debts during the holidays.

  • Individual Retirement Accounts (IRAs)

In this type of savings account, you’ll be able to secure your retirement and earn revenues at a higher rate.

Apply for a Visa Credit Card

At G.E.C.U., we help you expand your purchasing power by providing a globally-accepted credit card. We have competitive rates, low annual percentage rate (APR), and there are no annual fees! Apply with us now.

Pursue Your Dreams With Us

Everyone has the right to education. That’s why here in G.E.C.U., we offer a $500 scholarship to our members. The qualifications are simple; you just have to be a member and you must be already accepted or attending your school of choice.

Other than the two eligibility requirements, you should also submit three documents: your accomplished application form, a scholarship essay, and an autobiography that contains your school activities, awards, employment, and community service records. Apply now.

Secure Your Future With the Friendly Credit Union

Since 1931, we have been making every customer feel that they’re a part of the company; each of them is the partial owner of G.E.C.U. We assure you that we will continue making our customers feel that way. 

Our friendly and accommodating staff will strive to personally know you by name. As La Crosse’s friendly credit union, we enjoy doing business with our clients in the friendliest way that we can. If you want to be a part of the family and experience our customer service, talk to us now.