Fixed-Rate Home Loans

The stability of a conventional fixed-rate mortgage can provide peace of mind when budgeting. Meaning you can make consistent monthly payments knowing the interest rate will never change. Plus, the shorter the term, the lower the rate.

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Fixed Rate Home Loans are best if:

You want a stable monthly payment for the long term.

Fixed Rate. No Surprises.

This is our most popular type of home loan. The interest rate won’t change for the life of your loan, protecting you from the possibility of rising interest rates. Predictable monthly payments make budgeting easy. Plus, there are usually fewer hoops to jump through during the application process. A good option for someone who expects to stay in the same home for a while or just wants a consistent payment.

Purchasing or refinancing a home is a big deal. Use our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer. No matter where you are in the process, we’re here to help you every step of the way.

Term Options

10, 15, 20, 30 years

Down Payment

As low as 5% of purchase price
20% of purchase price to avoid PMI

Eligible Properties

Purchase, Refinance, Primary Residence, Second/Vacation Home, Investment/Rental Property, Manufactured Home

Purchase or Refinance 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
  • Low mortgage insurance premiums
  • No origination fee loan options
  • Extended rate lock options available from 90 to 360 days
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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.

Personalized Rate Quote

Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.

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