VA Home Loans

Idaho Central Credit Union is deeply grateful for our service members, veterans, and their families. That’s why we are prepared to guide you through the home-buying process with low VA (Veterans Affairs) home loan rates plus the love and service you deserve.

House with an American Flag hanging outside


You are a qualified military member and purchasing a home.

Backed by the Department of Veterans Affairs

The Department of Veteran Affairs backs mortgages provided by Idaho Central Credit Union to qualified military members. That means you can find that perfect home and buy with confidence. Plus, there’s flexible credit requirements and no need for private mortgage insurance. Let’s get you in that home!

Term Options

15 or 30 years

Down Payment


Eligible Properties

Purchase, Primary Residence

Purchase 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