Refinance

Rates as of December 15, 2025.

refinance your home loan

You’ve had your house for a bit and notice home loan rates are lowering – could it be time to refinance?

Tips to know when to Refinance:

When you can secure a lower interest rate, especially if your rate is going to drop by 0.75% or more.
When you are able to shorten the term of your loan, especially by 5 years or more, which will lower the total interest you repay.*
When it allows you to switch from an adjustable-rate mortgage (or ARM) to a fixed-rate mortgage to lock in a consistent payment and rate.
When you need to tap into yourequity to consolidate other more expensive debt such as credit cards or personal loans.

* Rates may vary based on approved credit, rate includes 1/4% off for automatic payment from a Canopy checking account and 1/4% off for additional services, fixed rates range from as low as 6.50% APR to 17.99% APR. Other rates and terms are available. Example Payment: A $250,000 home refinance loan with $0 down payment, 7.00% APR and a 15-year term would result in monthly payments of $2,248.

refinance your car loan

We’ve got super low rates, a flexible lending process, and compassionate staff who will make the switch completely worth it. Let us see if we can get you a better deal!*

* Rates may vary based on approved credit, rate includes 1/4% off for automatic payment from a Canopy checking account and 1/4% off for additional services, fixed rates range from as low as 4.49% APR to 17.99% APR. Other rates and terms are available. Example Payment: A $20,000 vehicle refinance loan with $0 down payment, 7.24% APR and 60 month term would result in monthly payments of $399.

Due to each loan being tailor-made for you and your situation, we feel confidant that Canopy Credit Union can offer you the best loan terms in Spokane!