Home-Free Savings

4.99% (5.24% APR) for 10 Years with a Home-Free Savings refinance!*

Ideal Credit Union is introducing Home‑Free, a limited time mortgage offer designed to make refinancing more affordable. Our Home-Free refinance allows you to reduce your mortgage loan term setting you on the path of building equity faster and saving thousands in interest. Home‑Free gives you an opportunity to secure a below market interest rate with reduced upfront costs.

This offer brings together stability and savings, helping you move forward with clearer expectations and more room in your budget.

Home‑Free includes

Lock in a below market rate for long‑term savings
Save upfront with reduced closing costs
Option of a 10- or 15-year fixed term

With lower closing costs and competitive fixed rate options, Home Free makes it easier to build equity while minimizing interest over time. It’s a simple, member friendly way to support your financial goals from the first month through the full life of your loan.

Available through August 31, 2026, this promo gives you a clear window to save more on your next mortgage move.

Disclaimers

*APR is Annual Percentage Rate. Rates are accurate as of May 15, 2026 and may change at any time. Offer available to borrowers with a minimum credit score of 660. Not all applications will qualify. Maximum loan amount is $500,000. If the loan exceeds 80% LTV, mortgage insurance may be required, which will increase the monthly payment and APR (applicable on conventional products). Payments shown do not include taxes or insurance and will be higher.

Payment examples: On a $250,000 mortgage at a 4.99% rate and 5.252% APR for 10 years, the monthly payment is $2,650.42. On a $250,000 mortgage at a 5.500% rate and 5.690% APR for 15 years, the monthly payment is $2,042.71.

A discounted 0.5% origination fee applies during the promotional period. Offer valid on applications submitted from February 10, 2026 through August 31, 2026. Loans must close by October 31, 2026.