Construction Loans

Build the home of your dreams from the foundation up with an Idaho Central Construction Loan. From the first two-by-four to the last roof shingle, we've got you covered. Let’s start building!

Wood frame of a house being built


You are looking to build your dream home.

The Blueprint for the Right Loan

Idaho Central Credit Union offers one-time and two-time closing options that make the home-building process specific to your financial needs. Contact a loan officer to learn which one is right for you and all the benefits. Use our online mortgage portal to get started.

Closing Options

One-time or two-time

Rate Programs

Fixed- or variable-rate programs available

Build Times

Up to 20 months

Payment Options

Interest-only payments during construction

Build Your Home With Confidence

We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here too. We’re available to help during extended hours and on Saturdays.

Fast, Local Decisions

  • Local underwriting
  • Fast approvals
  • Fast closing, usually within 30 days
  • Local servicing on most loans

Save Money

  • Low, affordable interest rates
  • No initial loan application fees
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Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates based on the information provided by you, the user.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How