Notice

NEVER share your Multi-Factor Authentication (MFA) code, password or card info such as your PIN, even if caller ID shows the call is from Canopy CU or a caller says there is fraud on your account.
apply for a loan become a member

We’ll be closed on Thursday, November 25 and Friday, November 26 as we celebrate Thanksgiving. Direct deposits and payments will continue to be processed on Friday, 11/25. Have a fantastic and safe holiday!

 learn more »

refinance

hassle-free, low-rate loans made just for you.

We want to save you more money.

We probably have the best loan terms you can find in Spokane because each loan is tailor-made for you.

  check out our rates   

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 your equity to consolidate other more expensive debt such as credit cards or personal loans.

apply now

home with beautiful flowers

*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 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

apply now  

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!*

woman next to car financed by Canopy CU

*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 7.24% 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.

Rates as of October 1, 2024.

 

stay connected

More than just your credit union, we're part of your community.
Let us help connect you with your community.