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Recreational Property Loans1

More fun per acre

With competitive rates and low down payment options, your sweet escape is within reach.


Competitive rates

Great rates make payments more affordable, for purchase or refinance!


Expert local support

A high-success, low-stress experience from origination through the life of your loan.


Option for unique homes

Buy a home without conventional electricity, heat, water, septic or bathroom.


Unique financing

Purchase or refinance a hunting shack, pole building, and more!


Low down payment

You may not need 20% down, making it easier to buy now.


Friendly service

Visit us at a branch, by phone, or online for friendly member service.

Calculate your monthly payment2

Monthly Payment

Low Down Payment

Buy and enjoy sooner

You may qualify for a low down payment option that helps you seal the deal sooner.

Family selfie in front of a cabin in the snow
Great for Unique Properties

Get away, your way

Purchase or refinance a property you can't buy with a traditional mortgage, including buildings without:

• Electricity
• Heat (year-round)
• Water
• Septic
• Kitchen
• Bathrooms

Whether it's a pole barn, garage, or off-grid cabin, get the property you want.

Dad holding his young daughter in front of their cabin

Trust is a top reason members choose Members Mortgage.

— 2023 Mortgage Processing Survey

How it works

It's easy to get recreational property loan.

  • 1

    Complete an application

    Apply online, over the phone, in person or through video banking.

  • 2

    Get approved or pre-qualified

    We'll let you know if you're approved or pre-qualified.

  • 3

    Close on your loan

    Use the loan funds to purchase or refinance your recreational property.

Apply now

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8580

Life’s short— play hard


Ready to get away from it all? Our competitive rates and low down payment options make it easy to get the property of your dreams.


Apply now


1 Recreational property loans are adjustable rate mortgages (ARMs). ARMs are a variable rate loan product. During the initial term of the loan the rate will remain unchanged; after that, the rate is subject to adjust at a set interval.
2 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Calculations do not include amounts for taxes and insurance premiums, if applicable, and your actual payment obligation may be greater. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Members Cooperative Credit Union lends to Minnesota and Wisconsin residents only and property used as mortgage security must be within the states of Minnesota and Wisconsin. Membership and loan approval required. Restrictions apply.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any branch office regarding the locations where HMDA data may be inspected.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers. In order to receive account notifications you must enroll in online banking services and specifically text notifications. Membership required.

Video Banking

Memorial Day Holiday Closure All offices will be closed on Monday, May 27, in observance of Memorial Day. ATMs, mobile services, and online banking are available 24/7! View all our holiday closures.