Competitive rates. Low closing costs. Clear guidance from local experts.
If you are an established homeowner, refinancing should feel strategic, not stressful. At Center Parc Credit Union, we offer a smarter refinance experience built around competitive rates, transparent terms, and personalized guidance from people who know the market and know mortgages.

Call (800) 849-8431 for today's low rates

^[1]Credit union membership eligibility and credit qualifications apply. The rate may vary depending on each individual’s credit history and underwriting factors. NOT ALL APPLICANTS WILL QUALIFY NOR WILL ALL APPLICANTS QUALIFY FOR THE LOWEST RATE. APR – Annual Percentage Rate. Payment Example: Based on a $320,000 home refinance with 80% loan to value, the monthly payment on a 30-year refinance at a 5.875% interest rate, APR of 5.937% would be $1,892.92, paid over 360 months. Payment example does not include taxes or insurance; actual payment obligation may be greater. Rate listed is for a first-lien refinance mortgage on owner-occupied single-family detached primary residence only. Rate is effective as of February 1, 2026. Consult a tax advisor for information regarding the deductibility of interest and charges. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply. 

^[2]Credit union membership eligibility and credit qualifications apply. The rate may vary depending on each individual’s credit history and underwriting factors. NOT ALL APPLICANTS WILL QUALIFY NOR WILL ALL APPLICANTS QUALIFY FOR THE LOWEST RATE.  APR – Annual Percentage Rate.  APR is subject to increase or decrease.  ARM – Adjustable-Rate Mortgage. ARM is a fixed rate mortgage loan for the first 15 years and adjusts in the 16^th year. The adjusted interest rate will be equal to the 10-year U.S. Department of the Treasury, Constant Maturity plus a 1.25% margin, rounded to the nearest one eighth. Payment Example: For a $400,000 15/15 ARM on a primary residence, the initial interest rate is 5.25% with an APR of 5.532%. This results in a monthly payment of $2,208.81 for the first 15 years. Payments shown do not include taxes, insurance or PMI; actual payments may be greater. After 15 years, the interest rate can adjust once and may increase by up to 6 (six) percentage points, reaching a maximum interest rate of 11.25 % with an APR of 11.644%. If this maximum rate is applied, the monthly payment could rise to $3,885.05 starting in year 16. Payments shown do not include taxes, insurance or PMI; actual payments may be greater. There is a 4% lifetime floor interest rate. Rates are effective as of February 1, 2026. Consult a tax advisor for information regarding the deductibility of interest and charges. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply. 

^[3]Credit Union membership eligibility and credit qualifications apply. The rate may vary depending on each individual’s credit history and underwriting factors. NOT ALL APPLICANTS WILL QUALIFY NOR WILL ALL APPLICANTS QUALIFY FOR THE LOWEST RATE. VA Mortgage Loans are only available on primary residences. APR – Annual Percentage Rate. Payment Example: For a $385,000 home refinance and a $8,277 funding fee added to the loan, the total loan amount is $393,277. With no points and a 30-year mortgage at a 6.00% interest rate, APR of 6.257%, the monthly payment would be $2,357.89 for 360 months. Payment example does not include taxes or insurance; actual payment obligation may be greater. Rate is effective as of February 1, 2026. You must have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a refinanced VA-insured mortgage loan. 90% financing may include an additional funding fee, which may be financed up to the maximum loan amount. The interest on the portion of the loan that exceeds the fair market value of the dwelling is not tax deductible and you should consult your tax advisor. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply.  

^[4]Credit union membership eligibility and credit qualifications apply. The rate may vary depending on each individual’s credit history and underwriting factors. NOT ALL APPLICANTS WILL QUALIFY NOR WILL ALL APPLICANTS QUALIFY FOR THE LOWEST RATE. APR – Annual Percentage Rate. Payment Example: Based on a $25,000 fixed-rate second mortgage, the monthly payment on a 15-year second mortgage at a 7.25% interest rate, APR of 7.771% would be $228.22, paid over 180 months. Payment example does not include taxes or insurance; actual payment obligation may be greater. Rate listed is for a primary residence with maximum combined loan to value of 80%. Rate is effective as of February 1, 2026. Consult a tax advisor for information regarding the deductibility of interest and charges. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply. 

^[5]All first mortgages originated on or after November 15, 2025, will include the Elite Plan from Coverly Home Warranty, with the annual fee of $524 paid by Center Parc for one year following loan origination. Existing first mortgage holders with Center Parc may purchase the Elite Plan for $524 annually. Members can either pay the full $524 upfront or choose monthly payments of $43.67, totaling $524 for the year of coverage. The Elite Plan includes a liability limit of $6,000 for the one-year coverage period, with a $100 deductible applied to each service call. Insurance and warranty products are not products of the credit union, and are not obligations of, or guaranteed by, the credit union. Insurance and/or warranties may be purchased from an agent or an insurance company of the member’s choice.

^[6]Center Parc does not offer first mortgage loans and will not accept or process first mortgage applications from residents in the following states: Alaska, California, Connecticut, Iowa, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New York, Oregon, Rhode Island, Utah, Vermont, and Wisconsin.