Your home is here. Your loan should be, too.

Whitefish Credit Union is proud to lend locally. When you finance with us, your money stays right here in Northwest Montana because we never sell your loan to another institution. We service your loan from day one until you make your last payment. Keep your money in Montana by choosing Whitefish Credit Union for your home loan.

20-Year Fixed

Home loan highlights

No Mortgage Insurance

We never require private mortgage insurance, even for loans with high loan to value. For many borrowers, this may mean hundreds of dollars in savings every month.

Flexible Rate Options

Build a mortgage tailored to you. Choose between fixed and adjustable rate options, and select loan terms that fit your needs and your budget.

No Lender Origination Fees

We don't charge lender origination fees, which, for most borrowers, often means significant savings and better value compared to other financing options.

The WCU Home Loan Advantage

When you finance with us, you get the Whitefish Credit Union Home Loan Advantage. It's a combination of lower rates compared to banks, few or no fees, and peace of mind that comes from knowing who you're dealing with and where to get answers. 

It's also the benefit of decades of community lending experience and local market knowledge. We're proud of our long tradition of helping generations of Northwest Montanans build, buy, improve, and refinance their homes since 1934, and we're here to help you do the same.

The WCU Home Loan Advantage extends beyond our local roots and Montana pride. It's our commitment to providing you with superior service and savings. For example: 

  • We never require Private Mortgage Insurance (PMI), even if you have less than 20% equity in your home. 
  • Your loan is funded and serviced entirely by Whitefish Credit Union, so service and support never are farther than a drive to your local branch.

†No lender origination fees; borrower responsible for actual closings costs, including title, appraisal, and property insurance. 

*Subject to membership eligibility and credit approval.