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Save time and money with a One-Time Close

What makes a One-Time Close right for you? You’re not just buying—you’re BUILDING. And you’re looking to get a deal whenever possible—without cutting corners, of course. A one-time close lets you lock in a low rate for construction, then carries it over for your mortgage loan. So if the market changes and rates go up, you don’t have to worry.


  • Only one closing – That means only one set of closing paperwork and costs (and we even help you out there…)
  • Save up to $5,000 on closing costs1 – We’ll cover you up to $5,000
  • Lock in at low rate during building – Whether construction takes longer than expected or the market changes, you don't have to worry about your rate going up
Want to build a home?

Here's what you need to know to get started: Member Construction Packet

Attention Home Builders

Want to build homes financed by us? Download our Builder Acceptance Packet

One-Time Close Loan Rates
Product Points APR Rate as low as... Payment example
1XClose 30 YR Fixed * 0% 7.935% 7.875% $4541.57
1XClose 20 YR Fixed * 0% 7.828% 7.750% $5211.58
1XClose 15 YR Fixed * 0% 7.090% 7.000% $5808.84
*Based on a $621,000 Loan Amount with an 80% LTV and FICO>=740. Payment examples do not include taxes; actual payment may be greater.


Federally insured by NCUA, NMLS #458903. Membership eligibility required. Restrictions apply. Loan subject to credit approval. Financing available for properties in Texas, Colorado, and Utah. Minimum loan amounts may apply. Rate based on the type of property and loan to value, so your rate may differ. Rates subject to change.
† APR = Annual Percentage Rate. The APR is accurate as of 9/8/23.
1. The program offer to save up to $5,000 in select closing costs does not cover mortgage insurance, seller paid closing costs, discount points, or prepaids and reserves. The program is not valid for FHA or VA loans. Closing costs may vary based on transaction. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred.
◊ Image is for illustrative purposes only. Not an actual member.