First Step Home Program

Loans & Credit

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Need more information? Let's talk about how we can help set your up for financial success!

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Your first home is just a few steps away.

This unique program is designed to help members achieve homeownership, regardless of their credit score or savings. Our step-by-step approach will build or improve your credit, grow a down payment, and ultimately turn your dream of homeownership into a reality.

STEP 1: BORROW FUNDS

  • Borrow $500-$5,000. The amount is customized to meet your goal.
  • No credit check or income verification is required.

STEP 2: BUILD YOUR SAVINGS

  • Loan funds are deposited into your savings account.
  • The funds are frozen in the savings account until the loan is paid off.
  • Simply make on-time payments toward the loan, which will establish or improve your credit score.

STEP 3: BUY A HOME

Once the loan is paid in-full, you have achieved your goals of:

  • saving for a home
  • building or improving your credit score

The loan funds are released (“un-frozen”) and can be used toward the purchase of a home.

Let’s Take the First Step Together

Simply complete the form below and our mortgage expert, Tim Wells, will be in touch with you to answer questions and provide more details.

Name(Required)
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I am interested in the First Step Home Program because:
Please check all that apply.

APR, terms, and conditions may vary based on the loan amount and individual circumstances. Credit Builder Loan available to eligible members. Funds may be used for any purpose. Restrictions may apply. Contact us for more details. Federally insured by NCUA. Equal Housing Opportunity.

To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Enter the term, rate, and either the payment or loan amount - the other will be calculated for you.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

You've seen all the low rates the auto dealers have been offering if you finance your new vehicle with them, but is this the best deal for you?

If you were to take the rebate, apply it to the cost of the vehicle and borrow the rest of the money from us, chances are your payment would be lower and you would save interest as well.

Fill out the form below using the cost of the vehicle, the total rebate, the dealer's interest rate, Credit Union's interest rate, and the length of the loan. Estimated payments will be calcualted, depending on where you borrow the money.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

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