 First Community Federal Credit Union »
Parchment. Serving over 40,000 members in and around Kalamazoo County.
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 Wyandotte Federal Credit Union »
Wyandotte. Membership is open to a select employee group.
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 LOC Federal Credit Union »
Southfield. Serving the school districts of Farmington/Farmington Hills, Novi, Lawrenceville, Brighton, Hartland, Howell, Fowlerville, and South Lyon.
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 Southeast Michigan State Employees Federal Credit Union »
Serving Michigan employees who work in the southeast corner of the state and the community of Coldwater.
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 T&C Federal Credit Union »
Non-profit financial institution offering membership to General Motors employees and Contract Employees.
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 Community Focus Credit Union »
Chartered in 1960 as a financial cooperative serving the salary employees of National Steel and their families.
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 Central Michigan Community FCU »
Plymouth. Serving persons who live or work in Clare, Gladwin, Osceola Counties or Warren Township of Midland County
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 Eaton County Educational Credit Union »
Charlotte. Membership is open to select employer groups in the Eaton County area.
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 DORT Federal Credit Union »
Flint. Serving employees of Delphi/Delco Electronics, and select companies in the Genesee county area.
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 Isabella Community Credit Union »
Isabella. Membership is open to residents in the Mt. Pleasant, Michigan area.
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 Educators & Employees Credit Union »
Jackson. Serving active or retired employees of educational institutions in Jackson County, Hillsdale County, or Leslie Public Schools
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 Capital Area School Employees Credit Union »
Lansing. Membership is open to teachers of Capital area schools.
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 Stampers Federal Credit Union »
Wyoming, MI. Membership is open to 48 select employer groups.
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 Members Credit Union »
Members Credit Union, organized in 1954, is a financial cooperative with over 35,000 members. Total assets exceed $75 million.
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 Craftsman Credit Union »
Detroit. Serving employees of manufacturing/industrial organizations.
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 Munising Community Credit Union »
Munising. Open to select employee and community groups.
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 Dearborn Schools Credit Union »
Dearborn. Serves the employees and retirees of the Dearborn Board of Education and Henry Ford Community College.
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 Frankenmuth Credit Union »
Frankenmuth. Serving persons who live or work in the Townships of Frankenmuth, Birch Run, Blumfield, Tuscola or Denmark.
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 Catholic Federal Credit Union »
Saginaw. Serving Catholics living in Saginaw or Bay County.
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 Southgate Federal Credit Union »
Financial Institution serving people who reside or work in the cities of Southgate, or Riverview, Michigan
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 Birmingham Bloomfield Credit Union »
Birmingham. Open to select employee groups and organizations.
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 Wanigas Federal Credit Union »
Saginaw. Serving Delphi-Thomson Saginaw-Thomson Bay and other employee groups.
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 ELGA Credit Union »
Providing savings and loan products to individuals who live, work, worship, volunteer, or attend school within Genesee, Saginaw, Lapeer, Shiawassee, Oakland, and Livingston Counties.
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 Auto Body Credit Union »
Lansing. Serving General Motors Corporation employees working in the Lansing area facilities.
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 Omni Family Credit Union »
Battle Creek. Membership is open to select employer groups.
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 Governmental Employees Credit Union »
Ionia. Serving government employees in Ionia.
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 Motor City Co-op Credit Union »
Clinton Township. Membership is open to any resident of the State of Michigan.
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 Credit Union ONE »
Ferndale. The largest financial cooperative chartered in the state of Michigan.
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 Detroit Edison Credit Union »
Detroit. Serving all permanent employees and retirees of DTE Energy and its wholly owned subsidiaries.
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 Great Lakes First FCU »
Escanaba. Membership is open to select employer and county groups.
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 Centel Credit Union »
Owosso. Serving employees of General Telephone.
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 Municipal and Health Services Credit Union »
Pontiac. Membership is open to residents and select employer groups.
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 Saginaw Medical Federal Credit Union »
A non-profit cooperative financial institution serving employees, retirees, and volunteers of business in the health care field in and around Saginaw.
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 GR Consumers Credit Union »
Grand Rapids. Serving select employee groups and organizations.
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 Preferred Federal Credit Union »
Greenville. Open to anyone who lives or works in Eureka, Montcalm, Sidney or other select areas.
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 TLC Community Credit Union Web Site »
A member owned cooperative serving Lenawee County residents and their families.
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 Monroe County Community Credit Union »
Non-profit financial institution providing services to anyone who lives or works in Monroe County
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 Michigan Services Credit Union »
Bingham Falls. Serving employees of the Michigan credit union industry, and employer groups within 25 miles of Bingham Falls.
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 Community Federal Credit Union »
Plymouth. Serving those who live in select county groups.
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 Michigan State University Federal Credit Union »
Lansing. Membership is open to employees of the University.
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 Telcom Credit Union »
Serving telecom employees in the Detroit, MI area
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 Family Financial Credit Union »
Muskegon. Serves employees of Sealed Power and additional select employee groups.
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 Team One Credit Union »
Saginaw. Membership is open to select employer groups.
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 Downriver Catholic Federal Credit Union »
Taylor. Serves members from a variety of Parish families and organizations in the downriver area.
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 Michigan Educational Credit Union »
Offering financial services to employees and retirees of schools located in Wayne, Washtenaw, Oakland, Macomb, Livingston and Jackson counties.
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 Amalgamated Credit Union »
Saginaw. Serves select employees and religious groups in the Saginaw area.
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 Mead Associated Federal Credit Union »
Escanaba. Open to employees of Mead Paper Company who work in the Upper Peninsula.
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 VIP Credit Union »
A not-for-profit financial cooperative that has been serving Michigan families since 1964.
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 GASCO Employees Credit Union »
Detroit. Open to workers from MichCon, MCN Corp, ANR Pipeline, Coastal Corp, Dakota Gas, or Basin Electric.
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 Menominee County Federal Credit Union »
Menominee County. Membership is open to anyone who lives or works in Menominee County.
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 ARC Credit Union »
Roseville. Serving parishes and select employer groups.
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 Alpena Alcona Area Credit Union »
Alpena. Serving residents and workers in the Alpena and Alcona communities.
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 Town & Country Family Creditu Union »
Saginaw. Membership is open to a select employee group.
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 Grand Valley Co-op Credit Union »
Full-service financial institution helping to serve the needs of members in western Michigan.
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 ATL Credit Union »
Wyoming. Serving the employees of transportation companies in Wyoming.
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 Grand Rapids Federal Credit Union »
Grand Rapids. Serving US government, post office employees, and military personnel.
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 Lansing Automakers Federal Credit Union »
Lansing. Membership is available to Lansing area autoworkers.
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 Communication Services Credit Union »
Lansing. Serving the communication industries in and around Lansing.
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 DFCU Financial »
Dearborn. Serving Ford Motor Company employees not serviced by another credit union and numerous SEGs.
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 Negaunee Community Federal Credit Union »
Negaunee. Membership is open to persons who reside, work, or worship in Negaunee and beyond.
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 Soo Co-op Credit Union »
The Upper Peninsulas' primary financial institution
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 FME Federal Credit Union »
St. Clair Shores. Membership is open to select employer groups.
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 Shiawassee Community Credit Union »
Owosso. Open to anyone who lives or works in Shiawassee County and employees of the Ovid Elsie School District.
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 Meijer Credit Union »
A not-for-profit financial cooperative. It is not owned by Meijer, Inc. It has no stockholders. Just member-owners who pool their savings to make low cost loans to each other.
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 Citizens Credit Union »
Kalamazoo. Membership is open to select employer groups in the area.
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It is feasible to go for a refinance when you have built up at least 10% equity in your home (For Fannie Mae owned mortgages, the value is 5%). It is also possible for you to choose the option if your equity is less than 5%, but you may have to pay a certain amount of cash in order to make up for the difference in equity.
If your new mortgage rate seems too good to be true then it probably is. Check for hidden fees in your mortgage that will make up that suspicious difference.