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Illustration of a front door
Illustration of a front door
Illustration of a front door

From your forever home lender.

Dreaming about painting your first walls or planting your first garden? Or maybe your growing family needs more bedrooms, bathrooms, or a garage?

A fixed-rate home loan from STCU is a great step toward fulfilling your dreams.

We've been helping members for more than 80 years, building lasting relationships with thousands of homeowners, and servicing conventional home loans at the credit union.

  • Half off loan origination fee for first-time homebuyers!
  • Fixed-rate loans, with low fees.
  • As little as 0% down, making homeownership possible for qualified buyers.
  • Jumbo loans up to $1 million available.
  • Home loans available in Washington, Idaho, and Oregon.
  • Fast preapprovals. Low fees. Great rates!

Adjustable-rate loans.

Greater buying power at an affordable rate.


FHA, USDA, and VA loans with low to zero down!


Lower your rate, or improve your terms, on an existing home loan.

Construction loans.

One-step building loans that convert to permanent financing when you move in.


*Application deposit: No deposit is necessary to get preapproved for an STCU loan until you have selected a property.  A $250 application deposit is required on all home loans three business days after you have identified a home to buy and been issued a loan estimate. Although $100 of your deposit will be nonrefundable, STCU applies your deposit to your loan charges due at closing.