Mortgages & Refinancing
Learn about the benefits of home mortgages and refinancing with Tri-Lakes Federal Credit Union
Fixed-Rate Mortgages
Adjustable Rate Mortgages
Federal Housing Administration (FHA) Loans
Veteran Affair (VA) Loans
USDA Loans
Your Path to Home Ownership
Financing to Empower Homeowners
First-Time Homebuyer Programs
Purchase & Refinance Products
Personalized Service
Making Mortgage Easier
Whether you’re a first-time home buyer or are refinancing your loan, we’re dedicated to providing you with the necessary tools to simplify the mortgage process. Discover our wide range of home loan options tailored to meet your unique needs with provided in a seamless, stress-free experience.
Easy Application Process
Onging Support
Diverse Mortgage Products
Mortgage & Refinance FAQ's
All deposit accounts are insured by NCUA up to $250,000. If you have multiple accounts that exceed $250,000, some of your money MAY not be insured. The basic NCUA coverage limits are:
- Single Ownership Accounts (owned by one person with no beneficiaries): $250,000 per member-owner
- Joint Ownership Accounts (two or more persons with no beneficiaries): $250,000 per owner (with the primary owner a member of the credit union)
- IRAs and other certain retirement accounts: $250,000 per member-owner
- Revocable Trust Accounts: Each member-owner is insured up to $250,000 for each eligible beneficiary named or identified in the revocable trust, subject to limitations and requirements.
- Irrevocable Trust Accounts: Each Owner (so long as the owners OR all beneficiaries are members of the Credit Union) is insured up to $250,000 for each eligible beneficiary named or identified in the irrevocable trust, subject to specific limitations and requirements. Coverdell Education Savings Accounts, formerly education IRAs, are insured as irrevocable trust accounts.
- A qualifying eligible beneficiary must be a natural person, or charitable organization or non-profit entity under the Internal Revenue Code.
*These share insurance coverage limits refer to the total of all shares that account owners have at each federally insured Credit Union. The listing above shows only the most common ownership types that apply to individual and family shares, and assumes that all NCUA requirements are met.
Anyone who lives, work, worships or attends school in the Tri-Lakes Area.
And once a member, always a member!
Our routing is 221382361. Please give your payroll department our routing number and your share (savings) account number or your 14 digit checking account number, which can be found on the bottom of your checks.
A new signature card will need to be signed by the account owner whose name has changed for all accounts held with Tri-Lakes Federal Credit Union. We also need a copy of your new driver’s license, marriage certificate or divorce papers. We ask that you come to the Credit Union to change your name.
A new signature card will need to be signed by the account owner whose name has changed for all accounts held with Tri-Lakes Federal Credit Union. We also need a copy of your new driver’s license, marriage certificate or divorce papers. We ask that you come to the Credit Union to change your name.
