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Finalized refi today - CU gave my 6.75%!!!
That's awesome! I was in a similar situation and refi'd from 13 to 3.5... feels good, doesn't it??!?!
Yes! It is a wonderful feeling. It's nice to know that once I pay faithfully on this, I'll be set with them in the future to get anything I need though them. They said when I request another loan I don't have to come in to the office or do any paperwork. Just log in to my bank acct online, request loan amount and submit and that's it.
They also gave me a CC which I figured why not, it can't hurt.