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Home Loans

There’s no place like home

Upgrade, downsize, improve or refinance, White River Credit Union can help you every step of the way with your home loan.

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20 and 30-year first mortgages

At White River Credit Union, we keep your loan home sweet home. Friendly, experienced staff will ensure the entire home loan process is smooth, efficient, and hassle-free. And most importantly, local!

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What else should you consider?

20 v 30 Year Fixed Mortgages…which to choose?
“The one that fits you best” is too simple an answer to be useful but, with White River Credit Union as their key financial partner, members often find it simple to achieve.

What is a fixed-rate mortgage vs. a variable-rate mortgage?
Fixed-rate mortgages are just what they say, a home loan in which you and the lender agree on the interest rate by contract and it doesn’t change for the life of the loan. By contrast, a variable-rate mortgage has built-in flexibility, the lender adjusts the rate at predetermined periods based on outside factors which can work in the borrower’s favor or not.

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What will my payments be?


Looking for a new home?

We can help! Whether you’re a first time homebuyer, are looking to downsize, or you’re ready to buy that vacation home you’ve been looking for, we are ready to help you get the financing you need.

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We’ll provide you with:

  • Responsive service and personalized guidance
  • Competitive rates and low closing costs
  • Support through the entire home buying process

Ready to make your home ownership dreams a reality? Call our mortgage department at (360) 825-4833 ext. 4 or send us an email at

What will my payments be?


Use non-WRCU cards to make a WRCU loan payment or deposit

Send check via snail mail to PO Box 35 Enumclaw, WA 98022-0035

Electronic payments

  • Call us at (360) 825-4833 option 6 then 4
  • Recurring payments from another financial institution (free)

One-time payment from another financial institution (fees apply)

VISA Debit/Credit (fees apply)

Bill Pay

Make a payment at the Credit Union (we love seeing our members!)

Transfer from your White River Credit Union account

Use the form in the Make a Payment link below (fees apply)

Make a payment

Loans 24/7

No matter what time of day or night, you can apply for a WRCU loan and get approval 24/7 using our mobile-friendly online application. You can even get a call back within 15 minutes to ask questions.

Book an appointment

When you’re ready to get started, we’re here to help. Our team has your back to answer your questions and assist you from start to finish.


© 2020 White River Credit Union