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First-Time Homebuyers Guide
From finding a realtor to finding the right mortgage, use our free guide to navigate your home-buying journey.
For a limited time, when you take out a TCU mortgage, we’ll help you save by giving you $500 bonus.¹ And, we’ll give a matching gift to an organization or church in your name.
¹ To be eligible for the $500 closing bonus and to direct $500 to a church or charity, you must close the purchase mortgage on your primary residence using promo code HOME2024, borrower or co-borrower must open or already have a Merit Checking Account and they must meet the Merit Checking account qualifications for at least 1 month within 90 days after the mortgage closing. Merit Checking account monthly requirements are a) make at least 12 debit card purchases or POS transactions (PIN-based or signature-based) that post and settle to your account on or before the last business day of the calendar month; b) make direct deposit/automatic ACH Deposit or mobile deposit totaling $500.00; and c) be enrolled in e-statements at the end of each monthly qualification cycle. The monthly qualification cycle is defined as the period beginning on the first day of the calendar month and ending on the last business day of the calendar month. For full details and to open a Merit Checking account click here .
Either the borrower or co-borrower can meet the Merit Checking qualification requirement. The bonus will be paid to the Merit Checking account that meets the requirement, if both meet the requirement it will be paid to the borrower's account. The $500 closing bonus will be deposited into the member’s Merit Checking account within 120 days of the mortgage closing. The $500 donation will be donated by Thrivent Federal Credit Union (TFCU) and the receiving organization or church must be one that is exempt from federal income tax under section 501(c)(3) of the Internal Revenue Code. Only qualifying charities are eligible to receive donations from Thrivent Federal Credit Union under this offer. The donation will be sent within 120 days of the mortgage closing provided the organization or church has provided the requested documentation evidencing their eligibility to meet the requirements. If Thrivent Federal Credit Union is unable to verify the organization’s eligibility, then TFCU retains sole discretion to donate the $500 to a charity of its choice. We may notify qualified charities that you have directed funds to their organization. Cannot be combined with any other mortgage offer and is not applicable on Home Equity Products. The current Annual Percentage Yield (APY) of our Thrivent Merit Checking is as follows: If qualifications are met each monthly qualification cycle a) Balances of $10,000 or less receive a rate of 2.47% with an APY of 2.50% and b) Balances of $10,000.01 and higher earn a rate of 0.25% with an APY ranging from 0.27% to 2.50% depending on the balance in the account. If qualifications are not met each monthly qualification cycle, you will earn a rate of 0.05% with an APY of 0.05% on all account balances. This APY is variable and subject to change after the account is opened. All loans are subject to credit application, qualification and approval. Must qualify for membership. Limited time offer.
Either the borrower or co-borrower can meet the Merit Checking qualification requirement. The bonus will be paid to the Merit Checking account that meets the requirement, if both meet the requirement it will be paid to the borrower's account. The $500 closing bonus will be deposited into the member’s Merit Checking account within 120 days of the mortgage closing. The $500 donation will be donated by Thrivent Federal Credit Union (TFCU) and the receiving organization or church must be one that is exempt from federal income tax under section 501(c)(3) of the Internal Revenue Code. Only qualifying charities are eligible to receive donations from Thrivent Federal Credit Union under this offer. The donation will be sent within 120 days of the mortgage closing provided the organization or church has provided the requested documentation evidencing their eligibility to meet the requirements. If Thrivent Federal Credit Union is unable to verify the organization’s eligibility, then TFCU retains sole discretion to donate the $500 to a charity of its choice. We may notify qualified charities that you have directed funds to their organization. Cannot be combined with any other mortgage offer and is not applicable on Home Equity Products. The current Annual Percentage Yield (APY) of our Thrivent Merit Checking is as follows: If qualifications are met each monthly qualification cycle a) Balances of $10,000 or less receive a rate of 2.47% with an APY of 2.50% and b) Balances of $10,000.01 and higher earn a rate of 0.25% with an APY ranging from 0.27% to 2.50% depending on the balance in the account. If qualifications are not met each monthly qualification cycle, you will earn a rate of 0.05% with an APY of 0.05% on all account balances. This APY is variable and subject to change after the account is opened. All loans are subject to credit application, qualification and approval. Must qualify for membership. Limited time offer.