Hello guys , We have 37,000.00 euro left on our mortgage , We can get a seven year fixed rate at 3.6 % to get to the end , Trying to get to the bank during opening hours is not possible so I have no idea what the total amount would cost us , If someone could help me with the calculations I would appreciate it, That withstanding we have contacted our credit union and they are willing to loan us the 37,000.00 euro and we would end up paying back 41,500.00 euro approx over three years , Would it make financial sense to go with the credit union or stay with the bank , Thanks for any info on the subject .