Based on my recent approval for a refinance through DCU I would guess you would have a good chance of being approved. I refinanced $14k with a 589 Equifax FICO score and no other accounts other than my car loan on my credit. I had a DCU account for about 3 months. My monthly earnings are a little higher but not enough where I think it would make a difference.I have a 9.49% interest rate but yours will probably be lower since you have a better credit score. They do take .5% off if you have direct deposit with them.