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Home Loans

Get the home of your dreams with a low rate mortgage that won't drain your bank account.

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Low Rates

Save money with lower rates compared to most other institutions.

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Variety of Options

No matter your housing need, we offer loan options for any home loan situation.

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Speedy Process

Get into your new home quicker with fast in-house loan processing.

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Get your dream home for $0 Down!

More home loan options:

How to get your Mortgage Loan

It's easy to apply for a low rates mortgage with SCCU. Just follow these simple steps:

  • 1

    Complete an Application

    You can apply in the way that is most convenient for you: online, over the phone, or at one of our branch locations.

  • 2

    Get Approved

    We'll review your application, determine what mortgage amounts and terms you qualify for, and inform you of your acceptance.

  • 3

    Finance Your Home

    Once approved, you can use the funds to purchase your home, and then you can start making monthly payments toward the total balance of the loan.

Estimate your monthly payment

Let's see what your monthly payment could be

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Loan Amount
Interest Rate
Term Years
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Meet the Team

Meet SCCU’s team of Mortgage Originators! With originators working across the Northland — from Grand Rapids in northeastern Minnesota to Ashland in northwestern Wisconsin — we’re ready to help you with your home lending needs at a branch of SCCU that's convenient to you!


All loans subject to approval.

Payment Example: For a $160,000 loan for a term of 30 years with a 3.875% Annual Percentage Rate (APR), the monthly payment would be $752.38. Taxes and insurance premiums are not included in the payment, the actual payment obligation may be greater than what is stated.

Heads Up! Online Banking will be down June 22nd/23rd, from 7pm to 8am for system updates.