So you have come up with the brilliant idea of moving your money to a credit union. Oh, give me a break. You could not find your ass if I gave you a mirror on a stick, a flashlight and an illustrated guide. I have had my money in a credit union for more than twenty years, and I refinanced my 30-year fixed rate mortgage a year ago at an interest rate that you are presently hoping for. Not that it was a huge savings, because the original mortgage was at the same credit union.