Member-Focused Mortgages

More Home. More Possibilities.

Find the mortgage that fits your life — with competitive rates, flexible options, and a local team that's genuinely on your side.

Mortgages for Every Moment

No two home buying journeys look the same. Here’s how we help.

When You’re Ready for More Space

Moving Into Your Next Home

Maybe it's a new baby, a home office, or a yard your kids can finally play in. When your life outgrows your place, we'll help you step into a home that matches your next chapter, with competitive rates and fast local decisions.

When You’re Buying for the First Time

Your First Home, Without the Guesswork

Tired of renting? We'll break down your options, show you what you can actually afford with down payments as low as 3%, and help you feel confident making an offer.

When You Serve the Community

Extra Help for the People Who Help Others

If you’re an educator, healthcare worker, or first responder, you may qualify for down payments as low as 1% and other special program benefits.

Save Up to $1,000 On Closing Costs

Complete a free home buying webinar or the GreenPath Home Buying Course and close a qualifying CCCU mortgage to receive up to $1,000 off eligible closing costs.

A Mortgage Team That’s On Your Side

Buying a home is one of the biggest decisions you'll make. You deserve a team that treats it that way — not like a transaction.

Better rates and fewer fees, because our earnings go back to members.
Straightforward terms with no hidden fees or prepayment penalties, so you know exactly what you're signing.
Decisions made here in Minnesota, so you can move when the right home shows up.

Helpful Tools To Explore Before You Buy

Home Buyer’s Guide

See how the mortgage process works, what lenders look for, and how to compare loan options in one simple guide.

GET THE GUIDE

Mortgage Calculator

Check estimated monthly payments at different price points and down payment amounts.

ESTIMATE MY PAYMENT

Webinar & GreenPath Course

Join a live home buying webinar or complete GreenPath’s online Home Buying Course to understand costs, timing, and how to prepare.

Explore Education Options

Real Stories, Real Members

“When I moved back to the Twin Cities after living in DC, I had to start life over. CCCU helped me rebuild — from my first vehicle loan to the mortgage for our family’s home. This is just the beginning of an everlasting relationship.”

Mike V, CCCU Member

Disclaimers

Equal Housing Opportunity. Mortgages not available in all states. Closing cost credit is applied as a lender credit toward eligible closing costs. Offer available on applications submitted through 05/31/2026. Loans greater than 100,000 may qualify for up to a 1,000 lender credit; all others may receive up to 750. If the webinar or GreenPath Home Buying Course is not completed, the lender credit will be 250 less than the stated amount. Must complete all required GreenPath lessons to qualify. Offer not available for home equity or commercial loans. All loans subject to credit approval. Other restrictions may apply. Contact us for details.