Whether you're looking to buy your first home or build your dream home, ETFCU has a program to save you money!

Rate Match Guarantee

We are committed to offering you the lowest rate on your mortgage. If you find a lower rate, we'll match it.1

Purchase Plus Program

Receive a $500 Visa gift card with the purchase of you primary residence.2

SmartMove Mortgage

This popular option lets you refinance your existing mortgage to a low rate—with no closing costs.3

Financing Options

In addition to low-rate fixed and adjustable mortgage products, we've rolled out some special programs including options with no PMI, a refinance program with no closing costs, and a low-fee alternative to FHA loans.

What information will ETFCU need to process my application?
  • Prior two years addresses and dates of residence.
  • Social Security number or tax ID.
  • Driver’s license or state issued identification card.
  • Prior two years employment information including employer contact and dates of employment.
  • Most recent W2 and pay stub for all income sources.
  • Two years federal tax returns, including tax applicable schedules if you are self-employed, have rental income, farm income or additional non-W2 reported income.
  • Alimony, child support or separate maintenance documentation if you wish to have it considered as basis for repaying this obligation.
  • Additional information may be required such as Divorce decree (if applicable) and/or proof of extra income such as rental income, dividends, Social Security, retirement, disability, pension, or welfare (supporting documentation is required).
  • Balance owed on all liens attached to the property including all mortgages as well as any home equity loans or lines of credit.
  • Most recent mortgage statement (if applicable).
  • Most recent property tax bill.
  • Most recent hazard insurance declaration page.
  • Most recent flood insurance declaration page (if applicable).
ETFCU also offers multiple home equity loan options. Click here for more information.
Visit our loan rates section.

1Rate Match Guarantee available for new purchases and refinanced first mortgage loans of primary residences with conventional conforming financing. Certain product exclusions may apply. Offer valid only for lenders compared in a physical location within 50 miles of any ETFCU office. Good Faith Estimate (GFE) and Truth in Lending (TIL) Disclosure from competing lender must be dated and received within three calendar days prior to locking your interest rate at ETFCU. The terms of the competing loan must be identical to ETFCU's loan. If the loan does not close within the commitment period, the rate match may be voided. This offer is subject to credit approval and may change or terminate without notice. Offer is not applicable to FHA and VA financing. Rate includes Extra Credit Mortgage discount. Contact an ETFCU mortgage loan officer for further details.

2Purchase Plus $500 Visa Gift Card offer is available on conventional conforming financing of purchases for primary residences only. Not valid in combination with any other offer.

3Subject to credit approval. No closing cost offer is available on first mortgage refinance transactions with 80% maximum loan-to- value. Standard closing costs apply to existing ETFCU mortgages refinanced within the last 12 months. Additional costs may apply if escrow and /or title insurance are required. Not available on manufactured homes. Actual interest rate may vary based on credit history. Rates and conditions are effective as of 05/26/2015 and are subject to change daily. Based on a $100,000 loan on a 180 month term, monthly payments at 3.290% with no closing costs would be $702.75 per month and a 3.250% APR. The rate cannot be locked until application approval. Property insurance required. Other restriction may apply. Equal Housing Lender.

Online Banking Login

For assistance, call (812) 477-9271
or 1-800-800-9271, Option 2.
Apply Today
Today's Featured Rates

30 Year Fixed Rate

Rate APR Points
4.125% 4.192% 0.000%
4.000% 4.087% 0.250%
Rates include Extra Credit discount

20 Year Fixed Rate

Rate APR Points
3.750% 3.841% 0.000%
3.625% 3.772% 0.500%
Rates include Extra Credit discount

15 Year Fixed Rate

Rate APR Points
3.000% 3.115% 0.000%
2.875% 3.044% 0.375%
Rates include Extra Credit discount

5/1 Adjustable Rate

Rate APR Points
2.500% 2.615% 0.000%
Rates include Extra Credit discount


Apply Online

Contact the mortgage lending department for additional details.
(812) 469-9928 or 1-800-800-9271,
Option 7.

Rates are effective as of July 29, 2015. The interest rates, annual percentage rates (APRs), and points shown are subject to change frequently and without notice. Actual interest rate and APR may vary based on loan amount, purpose, down payment, and credit history. The rate cannot be locked until application approval.