Mortgage Loans

Fixed Rate Mortgages

At Pocatello Railroad Federal Credit Union we service all of our loans. There is no need to worry about your loan being sold from lender to lender. We specialize in shorter term mortgages with great rates and low fees. We find that this works out great for our members who are taking an aggressive approach to paying off their mortgage owning their home free and clear.

Enjoy these great benefits on all our mortgage products:

  • Loans serviced In-House.
  • No Escrow Account Required - We can setup a secondary savings account with automatic deposit
    to help you set aside money and earn interest on the money.
  • Low Loan Fees - We process, underwrite, and close our loans at the credit union which allows us to keep the fees low and limit 3rd party fees.
  • Great Rates
  • Local Loan Decisioning
 
15 Year Fixed - Amortized Over 15 Years

Loan is amortized over a 15 year period with a fixed interest rate. Let us crunch the numbers. Many times the 15 year payment is more affordable than percieved.

 
5 - 10 Year Fixed
Loan is amortized over a 5-10 year period with a fixed interest rate. These short term loans work great for smaller balances.
 
20 Year Fixed
Loan is amortized over 20 years. Maybe a 15 year fixed doesn't work, but a 20 year fixed may be an alternative to the 30 year fixed.
 
5 Year Balloon
Payment is calculated on a 30 year term. After 5 years the balance becomes due and will need to be paid or refinanced.
 
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This credit union is federally insured by the National Credit Union Administration.
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