Home Loans

PFCU Home Loans

It is always our goal to be moving your money forward and our mortgage products are no different. We've added new loan programs such as adjustable rates and balloons with terms up to 30 years on our Fannie Mae program. Due to daily rate and pricing fluctuations, we do not post rates.


Please contact us directly at (208) 580-5626 so we can discuss your needs, determine the best loan program for you, and provide you with a preliminary mortgage cost sheet. Once we have determined the best fit for you, we will offer you a highly competitive rate along with "WOW" service to make your mortgage experience easy and fast.

To apply online, click here


Home Equity Line of Credit - Freedom Line
Amount Financed Term Rates as low as
90% LTV** Draw 8yrs.
Amort 18yrs.
Annual Percentage Rate (APR)***   4.00%




Rates as of December 15, 2015

*HELOC rates are based on 3.50% Prime rate +/- margin with a floor rate of 4.00% as published in the Wall Street Journal. Loan to Value price adjustments apply. The maximum APR that may be imposed is 18%. Rates subject to credit approval. Property insurance is required. Second homes and investment properties may have a higher rate and lower Loan to Value. Additional fees may apply. The margin is determined by the borrower’s credit-worthiness. Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range. Please consult your tax advisor regarding interest deductibility.

**LTV is Loan to Value

***Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit and are subject to credit approval. For example, a 1st mortgage at 4.192% will have 180 payments of $7.49 per thousand borrowed and a 2nd mortgage at 5.066% will have 180 payments is $7.94 per thousand borrowed. The payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. Other conditions may apply. Application fee may apply. 

 All loans on approved credit and require application and membership.