Solutions for Mortgages

Dreaming of a new home?

Get started on your loan application in 90 seconds.

Whether you are buying or refinancing your home, ICCU's mortgage experts promise you exceptional personal service. We know that your house is more than just a roof over your head; it's a place for you to feel safe and make memories to last a lifetime.

Mortgage Loans

Full Application

Have 15-20 minutes available and want to complete a full application on your own? Get started here.

Check out our additional loan services

Conventional Mortgage

5 & 10 Year Balloon Mortgage

Vacant Land Loan

Residential Construction Loan

Rural Development Mortgage

Federal Housing Administration (FHA) Loan

Veteran Affairs Mortgage (VA) Loan

View Mortgage FAQ

ICCU Borrower's Portal

Mortgage Rates

Effective Date: December 20, 2024

Loan Type/Details	Note Rate	APR After Prepaids*
15-Year Fixed	as low as 6.500%	as low as 6.658% APR
20-Year Fixed	as low as 6.875%	as low as 7.072% APR
30-Year Fixed	as low as 7.000%	as low as 7.153% APR
5-Year Balloon \| 30-Year Amortization	as low as 6.500%	as low as 6.740% APR
10-Year Balloon \| 30-Year Amortization	as low as 6.750%	as low as 6.898% APR
Vacant Land Loan \| 5-Year Balloon	add 1% to current rate
*Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points.

Meet Our Mortgage Team

Whether you are considering purchasing a new home, refinancing your current home, or are simply exploring your options, ICCU is here for you, every step of the way.