Why wait? Get to the good stuff.

The days of daunting mortgage and refinancing procedures are over. With Earthmover, you’ll be filing through your new front door faster than they can get ready for bedtime stories.

30 day closing for mortgages¹ | 45 day closing on refinances¹


Start with a strong foundation.

You give your family something to grow into—we make that process quick and easy. With closing times in as little as 30 days¹ and local expertise to guide you all the way to the front door, Earthmover is your new home base for creating your own home base.

As little as 30 Days Closing¹

Apply today


Easy upgrade.

Refinancing your mortgage can still be a smart decision for your long-term financial goals. If you need to lower your payments now, consider refinancing to a longer term. On the other hand, if you can afford to spend a little more every month, refinancing to a shorter term makes you a homeowner years earlier. And that can save you thousands in interest, as well.

Another option is to refinance with a cash out option. You’ll receive money when you close on your refi, based on what you need and how much equity you have in your home. This is a lower-cost option right now than a home equity loan. Whatever your objective, Earthmover is here to help.

As little as 45 Days Closing¹

Refinance now

Open the door to discounts.

When it comes to conventional mortgages, also known as conventional purchase loans, Earthmover is your home for the biggest discounts¹ and sweetest savings.

Loan Amount Available Discount²
$250,000 No closing costs
$150,000 - $249,999 $250 Discount and appraisal cost refundable if first-time homebuyer
Under $150,000 None

More reasons to move with Earthmover:

  • VA, FHA and USDA programs available
  • Low down payment options
  • Refi’s with cash out options
  • Fixed-rate terms up to 30 years
  • Adjustable-rate mortgages also available

More ways Earthmover Credit Union can help.

Always at your side

We’re here to help you remain financially stable through uncertain economic times and come out on the other side even stronger. From saving money for a new car to putting away funds for a relaxing retirement—and everything in between—we have the savings accounts you need to feel secure for what lies ahead.

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Working to keep more money in your pocket

Last year we were able to save our members more than $7.6 million by refinancing their loans from other financial institutions. If you have a high-rate loan on your vehicle, your RV, your boat, your mortgage and/or your credit card, come talk with us and let’s work to keep more money in your pocket.

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Saving comes naturally.

Need another reason to become an Earthmover? How about 7.6 million ones? Last year alone, Earthmover was able to collectively save our members $7.6 million compared to customers at larger banks with similar loans and accounts.

At this credit union, you are so much more than just a profit center disguised as an account number. Sure, you’re a member—and a valued one at that. But you’re also an owner with a say in how we move forward.

We invite you to finally just say "no" to those big-box banks with their high rates on loans, low yields on savings and expensive (often hidden) fees.

Aim to save