Frequently Asked Questions

• Is it better to refinance with a credit union?

  In many situations, yes. Refinancing with a credit union can allow you to secure lower interest rates, flexible qualifications, and credit counseling to support you in being financially prepared to qualify and successfully maintain your mortgage.

• Does it matter who your mortgage is with?

  Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances.

• Is a credit union better for mortgages?

  Securing a mortgage through a credit union is preferable for many seeking to purchase a new home or refinance.  Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions. 

• What if I need help using the app?

  To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

• How do I register for the credit card app?

  First, you want to download the app from the iTunes or Google Play store. Then you can register your card from your phone. You will need to create a user ID and password and answer security questions.