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Refi Home Loan

We have made it easy to refinance your home!

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  • No closing costs, No points
  • Lower your payment
  • Shorten your term
No closing costs, No points
Lower your payment
Shorten your term
Flex Equity Line of Credit Refi Home Loan Home Improvement Loans Loan Payment Protection

Looking to refinance or pay off your home quicker?

Your time and money are valuable! We understand this and want to make things easier. With WCCU's Refi Home Loan, there are no closing costs, no points and it's easy to apply online in 3 easy steps.

  • Low fixed rate
  • No closing costs, points or application fees*
  • Finance up to 80% of your home’s value**
  • Amounts up to $350,000***
  • Terms up to 17 years

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond, Wakefield, and Coventry.

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See how much you could save just by refinancing and moving your loans to WCCU.
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WCCU helped my wife and I pay off our mortgage. We have been mortgage-free for over a year now and have gained financial freedom.
David I. of Charlestown
We joined right after WCCU opened. Needed a loan to pay off some bills. Everyone is so helpful and always has a smile for you. Always made me feel like part of the family. For me...the WCCU is the only place to bank! Thank you so much for such great service over the many years!
Gerry M. of Westerly
We joined the WCCU many years ago because we really got tired of the big banks with their big fees and lack of community. We stayed because they treated us like we mattered. They valued their members by offering great rates on mortgages and HEQ loans. When my husband became ill, they worked with us until we could get back on our feet. Only small hometown banks offer this type of service.
Deanna C. of Westerly

Helpful Resources

Loan Payment Protection

Keep your finances safe by protecting against the unexpected.

*Flood insurance may be required. Property insurance is required. Consult a tax advisor about the deductibility of interest. Other restrictions may apply. An early termination fee will apply for loans terminated within two years of origination date. WCCU NMLS ID # 518892.

**1-4 family owner occupied properties only. 80% maximum loan to value.

***Minimum loan $10,000. Maximum loan is $350,000 unless approved by Credit Committee. 

For a list of WCCU employees currently licensed with a NMLS#, visit the NMLS Consumer Access