Dream Loans for Dream Homes
Whether you’ve found the perfect house, building your dream home, or improving the home you have, Idaho Central has the loan for you.
Build it Construction Loans Designed for You
Build the home of your dreams with an Idaho Central Construction Loan.
One-time close for loan amounts up to $725,000. Lock in interest rate now instead of waiting until the house is done and wondering what your rate will be.
Interest-only payments during construction.
Build times up to 18 months.
Fixed interest rates.
Two-time close and Jumbo Loan options for loan amounts over $725,000.
BUILD IT with a Construction Loan
Buy it Home Loans Made Easy
Home buying doesn’t have to be difficult. We’re here to help you get the home you want.
Local underwriting and processing.
Low fees to save you money.
Extended rate lock options available from 90-360 days.
ICCU offers unique mortgage loans that are locally underwritten and serviced.
#1 mortgage lender in Idaho based on 2020 Idaho county data.
BUY IT with a Home Loan
Better it Home Equity Line of Credit
Did you know you can tap into the equity in your home for things like home improvements, debt consolidation, vacation, emergencies, and more? The options are endless with the last loan you’ll ever need.
Low-variable rate as low as 3.25% APR*.
No cost setup (some exclusions apply)**.
Easy access to funds with a Visa card.
Ten-year line of credit.
BETTER IT with a HELOC
*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rate valid for 04/19/2021.
**Some exclusions apply. When a HELOC closes within the first three years of being opened an early closure fee is charged. The early closure fee is charged up front on Bridge HELOCs (Bridge HELOCs are used to provide a down payment for a new house using the equity of the home that the owner(s) will sell after moving into the new home). Additionally, some circumstances may require the member to pay for an appraisal. These include:
- The home does not have a tax-assessed value due to it being a new build.
- Applicant desires to pay a new assessment to confirm equity and potentially increase the HELOC amount.