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VA Home Loan

A mortgage for the bravest among us

Eligible service members, veterans, and their spouses can qualify for a VA home loan with competitive rates and no down payment.1


Excellent rates

VA mortgage rates are competitive, for purchase or refinance.


No down payment

You may not need to save for a down payment to purchase a home.


Seller-paid closing costs

Allowable seller credits can be higher, so you pay less at closing.


No mortgage insurance

Purchase a home without needing mortgage insurance.


Expert support

Our experts know their stuff! When you need guidance, count on us.


Friendly service

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

Calculate your monthly payment2

Monthly Payment

Low Rates

Get the best rates around

A VA loan offers rates that are often much lower than a conventional mortgage, helping keep payments affordable.

Army wife and family smiling holding American flag
No Down Payment

Buy your next home now

With a VA loan, you can purchase your next home sooner, with no-down-payment options.

Family welcoming home father from serving in the military

Trust is a top reason members choose Members Mortgage.

— 2023 Mortgage Processing Survey

How it works

It's easy to get a VA home 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 to refinance or purchase.

  • 3

    Buy or refinance your home

    Use the funds to purchase or refinance your home.

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

For our military members


If you’re a service member, veteran, or military spouse, explore a VA loan with lower rates and no down payment.


Apply now


1 VA loans are partially government-backed mortgages generally available to veterans, service members and surviving spouses, and they are subject to VA loan-specific eligibility requirements, limitations and restrictions.
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.

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.