Current Promotion


Now is the time to secure financing for the construction of your dream home.  1st CCU's Construction Loan has a Small Rate and Big Advantages.

Contact a Mortgage Loan Officer at 1st Community Credit Union to take advantage of our Construction Loan rate special.

1.49% Rate | 2.216% APR*    Apply Online

*APR=Annual Percentage Rate. Rate featured above is for loans up to 80% Loan-To-Value; your rate and APR will be higher if your loan is over 80% Loan-To-Value. Rate effective as of February 18, 2019. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Minimum credit score for loans up to 80% Loan-To-Value is 630. Minimum credit score for loans over 80% Loan-To-Value is 660. APR shown above is based on a loan amount of $250,000 and includes an estimated $815.50 in prepaid finance charges. Additional closing costs may apply. Based on a loan amount of $250,000 amortized over 11 months, the following repayment schedule would apply: monthly interest payment on the amount of credit outstanding during the construction period, followed by a final payment of $250,000 plus the remaining interest. There is no prepayment penalty. All loans subject to approval. Some restrictions apply. Membership eligibility required.

Our Construction Loan Features:

  • Great Low Rate
  • Low Fees
  • Flexible Down Payment Options
  • Convenient 11-Month Term
  • Fast Approval
  • Up To 6 Easy Draws To Fit Your Needs
  • No Private Mortgage Insurance Needed
  • Easily Converts To Fixed Rate Mortgage
Contact 1st CCU for full details.  Stop in, give us a call, or apply online today! 
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Our friendly expert lenders are available to assist you with answers to your questions, free pre-qualification, and more.

Sparta Office: 1000 West Wisconsin Street • Sparta, WI 54656 Call 608-269-8121 or Toll-Free 888-706-1228

West Salem Office: 1410 W. Highway 16 • West Salem, WI 54669 Call 608-786-2420 or Toll-Free 888-706-1228

 Become A Member         Contact 1st CCU        Click To View Office Hours

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NMLS 411004. Federally Insured By NCUA.

Anyone who lives or works in Monroe, La Crosse, Jackson, Trempealeau or Vernon county in Wisconsin is eligible for membership at 1st CCU. Immediate family members of existing 1st CCU members are also eligible to join.