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CO-OP Shared branch locator

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Home loans

Buy a home
Homeownership starts here. Buying the right home starts with the loan ‐ and lender. Browse the options below and begin your home-buying journey with a credit union you can trust.

Get started
Begin your home loan application with TCU.

View rates
Review our latest home rates.

Connect with us
Not ready to apply or want to learn more? Contact a mortgage loan officer.
At Thrivent Credit Union, we offer a balanced approach to homebuying, helping you leave room in your budget for what matters most. With financial solutions for every step of your home ownership journey, find the product that best suits your needs today:
Explore products
When it comes to buying a home, there's a lot to consider. That's why at Thrivent Credit Union, we provide resources and purpose-based guidance to help you navigate your home purchase journey.
Benefit from our member services today:
Learn more


A loan that will be paid back over the decided term, with an interest rate that doesn't change.
Best choice for you if:
  • You want fixed payments for the full term of the loan.
  • You want the security of knowing your interest rate will not change over time.
  • You think interest rates could rise in the next few years.
The rate is fixed during the initial term of the loan. After the initial term the rate and payment may adjust once each year for the remaining term of the loan.

Best choice if:
  • You are planning to move prior to the end of the initial rate period and therefore aren't concerned about future rate increases.
  • You think interest rates could fall in the future.
At TCU, we believe in the power of options. That's why we're proud to offer solutions for homebuyers looking for low down payment possibilities. Through programs like Home Ready and Home Possible, we're helping families across the nation purchase their first home with smaller down payments.


A jumbo loan allows you to borrow a larger amount of money than a conventional loan.
  • Our jumbo loans are available in a variety of terms:
    • 10-, 15-, and 20-Year Fixed Rate Jumbo.
    • 7/1 Adjustable Rate Mortgage (ARM) Jumbo.
Best choice if:
  • The amount you need to borrow is over the conventional loan limits (which may vary by region).
The VA loan is a mortgage option for veterans, active-duty personnel, or those who meet other eligibility criteria. Talk to a Mortgage Loan Officer about eligibility requirements.
  • Our VA loans are available with a term of 15- or 30-Year Fixed Rate.
Best choice if:
  • You meet the VA eligibility criteria.
  • You do not have funds for a down payment.
Looking for that perfect piece of land to build your dream home? Talk to a mortgage loan officer about a lot loan for your upcoming construction project.

A lot loan from Thrivent Credit Union has the following requirements:

  • Residential only.
  • 5-year balloon with a 15-year amortization.
For rates, assumptions and full disclosures, visit our daily rate sheet.


Finding the right real estate agent isn't easy. Take the guesswork out of the equation and leverage Home Rewards program, a free member benefit program that matches you with a highly qualified real estate agent and allows you to cash in on special discounts.

How will I save?

When you sign up for Home Rewards program, you'll get immediate access to home-related discounts:

  • A rebate check worth up to 20% of your realtor's commission (based on state regulations)2. This could mean thousands of dollars back in your pocket upon closing.
  • Assistance in identifying, selecting and connecting utilities through Easy Utility Help.
  • Home Depot discounts for savings on your home improvement needs.
  • Savings on moving trucks for an easier moving process.
Enroll today
Find the right realtor and save

Once enrolled in the program, you will receive an email detailing all the additional Home Rewards program discounts available to you.

2 Cash bonus offer limited in some states. Please check with the Home Rewards program, coordinator at 800-298-0793 for details. Bonus amount is based on sales price of home sold or purchased. You must be enrolled in the program and be represented at closing by an approved agent with a participating real estate firm in order to qualify for the bonus. Cash bonus not available to sellers in a short sale transaction.

The Home Rewards program endorsed by Thrivent Federal Credit Union is offered and operated by Prime Alliance Real Estate Services, LLC, a licensed real estate broker. This is not a solicitation. Thrivent Federal Credit Union is not responsible for the products and services offered by Prime Alliance Real Estate Services, LLC under the Home Rewards program.

How does it work?

  1. Enroll.
    Fill out a short online application to get connected to the program.
    Apply now
  2. Talk.
    A dedicated member advocate will call you to learn more about your home preferences, financial goals and real estate agent expectations. Your member advocate will review a list of available, certified real estate agents and connect you with a professional who will help you meet your goals.
  3. Meet.
    As your member advocate, they will ensure you are connected with a real estate agent that meets your expectations.
  4. Search and buy or sell.
    Walk through the home buying or selling process with your real estate agent.
  5. Save.
    Take advantage of discounts and watch for your rebate check in the mail 30 days after closing!

    Homeowners insurance is a crucial part of your financial plan. Without it, you'll be unprepared in the unforeseen event of a fire, storm damage, theft and more.

    We're proud to help our members save more on homeowners insurance when they switch to TruStage, our partner who works to give members better rates with top-notch service.

    Visit TruStage to browse policies and discover discounts and savings.

    Get a free quote
    See how much you could save on home insurance.

    TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Thrivent Federal Credit Union.
    10 smart steps to buying a home
    Thinking about buying a home? TCU will help you open the right doors.
    Below are 10 steps you can follow, so that you can move in with confidence.

    Learn more about our 10 smart steps.
    Make sure your mortgage leaves room for living, saving and giving.
    Our Balanced Homebuying™ recommendation is the amount we've calculated for you to spend on a home. While you may qualify for a bigger loan, this amount would allow you to use part of your income for other things that are important to you, such as saving for retirement and giving back to your community.

    Balanced Homebuying calculator