Whether it is your first time purchasing a home or you are ready to build onto your existing home, we are your local, community source here to guide you. Home loans are unique to your individual needs. That means we will always be here to help you with your mortgage. Stop in and talk to us so we can align your needs with the right loan for you or give us a call to set up an appointment for a one-on-one no obligation loan consultation.

Mortgage Application for Home, Construction and Land Loans:
Don’t let the dream of home ownership/improvement slip away, Apply now with the Uniform Residential Loan Application»

Real Estate Mortgages

We offer conventional financing for year-round homes, cabins, hunting shacks, and raw land properties.

Available Terms Interest Rate (APR)*
120-360 Months Rates Vary
Please call 218-666-5940 for more information or e-mail info@northstarcreditunion.org

Home Equity

Use the equity in your home (your home’s value less any outstanding home loans) to consolidate higher debt, pay for college, or purchase your dream vehicle.  

Term Interest Rate APR*
60 Month 4.99%**
84 Month 5.49%***
120 Month 5.74%****
*APR = Annual Percentage Rate. Rates are not guaranteed until you sign a locked interest rate agreement. Rates are subject to change without notice.  Rates shown are based on the best possible scenario including auto pay bonus, your rate is based on an evaluation of your credit history and other factors. All loans subject to approval. Speak to a loan officer for details.
**Monthly Payment per $1,000 financed is $18.87 for 60 month term fully amortized
*** Monthly Payment per $1,000 financed is $14.37 for 84 month term fully amortized
**** Monthly Payment per $1,000 financed is $10.98 for 120 month term fully amortized
NMLS #407735

Rates effective March 21, 2019 and subject to change without notice.

Home Improvement

Borrow at competitive rates to remodel your kitchen, finish your basement, or any other permanent home improvement.

Residential Construction

Build your dream home with a residential construction loan.


Need more information on home loans? We are here to help, lets chat.