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Mortgage Loans

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Why choose ISU Credit Union for Your Home Loan?

As your Credit Union, your best interests are why we’re here. Our service is second to none, our real estate professionals will take the time to find the best loan for your specific circumstances, and our rates and fees are some of the lowest around.

ISU Credit Union can help with all your home loan needs. Find more mortgage loan information below or contact us at (208) 235-7100 with questions. We're happy to talk with you!

Give us a call and we'll help you through the process, including taking your application over the phone.

  • 208.235.7100

If you're ready to get started, use this button to apply for your home loan online!

If you're returning member, log in to the application system here.

Mortgage Loan Program Options

Whether you’re looking to buy your first home or your tenth, simply need to refinance your current loan to a lower rate, or need a home equity loan for home improvements or for debt consolidation, we can give you the best home loan at the best value.

Whether you want a first mortgage, a second mortgage, home equity loan or home equity line of credit, or a loan with a fixed or adjustable rate, ISU Credit Union can help. Contact us today for all your home loan needs! Visit our Home Center for helpful resources.

Educator Home Loan

We are excited to introduce a new 15, 20 and 30-year no lender fee home loan for our educators! Enjoy deep discounts on origination fees, lender fees and more! You shape our children, our communities, our future. Let us serve you, your family, your future.

Learn More Today


Accelerate your mortgage with a limited-fee home refinance loan from ISU Credit Union and retire mortgage free! Enjoy a shorter term (12.5 years) with no closing costs!

Learn More Today


We are excited to introduce a home loan for our community heroes! The HERO Home Loan offers a low down payment loan option (99% LTV*) as well as a reimbursement of half the origination fee. This loan is our thank you for all you do for our communities!

Learn More Today

Mortgage Applications


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Download: Loan Application



Mortgage Rates

Table data for Real Estate loans
1st Mortgage Purchase or Refinance
 Rates effective 09-28-2020
Call (208) 235-7100 for today's rates Alert Me
Call for qualifications and rates on our Mortgage Loans. We offer a wide selection of other loan products. Call today: (208) 235-7100 Rates quoted are for top tier FICO scores. Certain restrictions apply, rates may change and all loans subject to approved credit. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.

Table data for Home Equity
 Rates effective 09-28-2020
Interest Rate Annual Percentage Rate (APR) Alert Me
Home Equity Line of Credit1 4.50% Variable 4.50% Variable Receive a notification when this rate changes
  • 1Rate effective 08/22/2018. Based on a 180-month repayment term. Variable rate is indexed to the Wall Street Journal prime rate less .25% with a floor rate of 4.00% and a maximum rate of 14.00%. Rate reprices monthly. Loan proceeds are on a 5-year draw and 15-year repay. Loan terms and rates on approved credit. Rates quoted are for top tier FICO scores.


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