Simplify your Spending

Say goodbye to a monthly checking account fee and say hello to your no-strings attached IECU checking account! With the benefits and simplicity you’re looking for to get the most out of your money, you’ll be able to manage your spending whenever and wherever is most convenient for you!

Home Sweet Home

Whether you’re buying a new home, refinancing your current home or anything in between, we want you to feel right at home with the mortgage process. Take advantage of our step-by-step guidance to help compare rates and terms, calculate monthly payments, get you pre-approved and answer all your questions along the way!

Mortgages

The home of your dreams starts with a trusted Mortgage Lender.

Together with Member First Mortgage, let IECU take the reigns on the technical side while you plan for the important parts, like meeting the neighbors and deciding what color to paint the bathroom. No matter what stage of life you’re in, we have the experience and expertise to help you compare rates and terms, calculate monthly payments, get you pre-approved and answer any and all questions that come up along the way while you’re:

Purchasing your first home Moving to a bigger home

Building your dream home Refinancing your existing home

Taking cash out of the equity in your home Purchasing a vacation home or rental property

Apply or Get a Quote Today!

We are now proud to offer Adjustable Rate Mortgages.

Mortgage rates have gone up, but you can take advantage of a lower inital interest rate with a 7/1 Adjustable Rate Mortgage (ARM). The rate remains fixed for 7 years, and then adjusts annually after that!

The benefits of an Adjustable Rate Mortgage include:

Lower Initial Interest Rates: Enjoy lower initial monthly payments compared to fixed-rate mortgages, allowing for early savings.
Potential for Decreased Rates: Benefit from rate adjustments that could lower your interest rate in the future if market conditions improve.
Flexible Financial Planning: Ideal for homeowners planning to sell or refinance before the adjustment period, making the most of low early payments.
More Home for Your Budget: Lower initial payments may allow you to afford a higher-priced home than you could with a fixed-rate mortgage.
Cap on Adjustments: Many ARMs come with caps that limit how much your rate can increase, providing some protection from significant rate hikes.
Refinancing Opportunities: If rates rise, you can explore refinancing options to switch to a fixed-rate mortgage for greater stability.

We know you have options when it comes to home loans. That’s why we make sure that every IECU Mortgage is completed fast by our friendly home loan experts using flexible terms and financially savvy lending practices from the start. To save you even more time and money, our mortgages allow you to escrow for taxes and insurance.

For questions on IECU mortgage products, please call or text David Adcock at (217) 528-2642, ext. 127

NMLS #807421

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