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“Construction can be complicated, but your financing doesn’t have to be. We’re here to support your build with clear guidance, flexible options, and a team you can count on. Ready to apply? Contact one of our construction lenders today or click below to get started on your loan application. *For qualified members Apply Now Beehive offers mortgage loans, even in areas where flood insurance is required. The National Flood Insurance Program (NFIP) is a federal program that provides flood insurance, manages floodplains, and develops flood hazard zones. Federal law mandates flood insurance for members borrowing funds in high-risk areas. Can you remove the flood insurance requirement? Members can hire a qualified surveyor to perform an elevation certificate for their home. This certificate, along with an application, can be submitted to FEMA for a Letter of Map Amendment (LOMA). A LOMA is an official amendment to an NFIP map, establishing whether a property is in the Special Flood Hazard Area (SFHA). LOMAs are typically issued when a property was mistakenly identified as being in a floodplain but is actually on natural high ground above the base flood elevation. Once issued, the LOMA becomes part of the public record and must be maintained by the community. Routing # 324173817 Member Service (208) 656-1000 Want to become a member? Let's Get Started Accounts Savings Checking Cards Youth Checking Loans Home Loans Vehicle Loans Personal Loans Investments Term Share Certificates IRA Loan Insurance Resources Member Education Rates Local Discounts Learn More Online Banking Beehive Bill Pay Mobile Deposit Shared Branching Help Find a Branch Disputes Forms and Information Contact Us About Beehive Site Map Important Disclosures Privacy Policy Careers *Calculators are for estimation only. OAC—on approved credit. *The Balloon Lot Loan features a 30-year amortization with a 5-year balloon payment. The best available interest rate is 6.99%, with an APR of 7.209%. This example is based on a purchase transaction with a loan amount of $160,000, a credit score of 730+, and an 80% loan-to-value (LTV) ratio. © 2024 Beehive Federal Credit Union. All Rights Reserved. Built by Incline Marketing Authorized by the National Credit Union Administration to serve members of The Church of Jesus Christ of Latter-day Saints in the United States. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. This credit union is federally insured by the National Credit Union Administration. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NMLS# 712470 New to Beehive? 0”

“We have construction loans down to a science at Beehive. With flexible terms, competitive rates, and expert guidance, we help you bring your vision to life.”

“We have construction loans down to a science at Beehive. With flexible terms, competitive rates, and expert guidance, we help you bring your vision to life.”

“Construction Cost Breakdown”

“Construction Details Line-by-Line Cost Breakdown”

“Competitive Rate Local Expertise Low 1% Origination Fee 12-Month Construction Term Up to Two Draws per Month Interest-Only Monthly Payments Refund of up to $500 in Fees if the Loan is Paid Off Before 9 Months Apply Now”

“Construction Loans”

“Ground-Up Home Construction”

“Initial Funding: Funds are disbursed in stages to cover construction costs, ensuring your project stays on track. Interest-Only Payments: During the 12-month construction period, make interest-only payments to keep costs manageable. More Flexibility: After completing the construction loan phase, choose the best loan terms for the permanent loan. Apply Now”

“Initial Funding: Funds are disbursed in stages to cover construction costs, ensuring your project stays on track.”

“Mortgage Amount $ .00 Down Payment $ .00 Interest Rate 4 % 0 % 20 % Mortgage Period 30 years 15 years 30 years”

“Mortgage Amount $ .00 Down Payment $ .00 Interest Rate 4 % 0 % 20 % Mortgage Period 30 years 15 years 30 years”

“Interest-Only Payments: During the 12-month construction period, make interest-only payments to keep costs manageable.”

“More Flexibility: After completing the construction loan phase, choose the best loan terms for the permanent loan.”

“Contact our Real Estate Lending team today to learn more and get pre-qualified for your construction loan. Apply Now”

“Refund of up to $500 in fees if construction loan is paid off before 9 months”

“Our construction loans support a range of residential projects, including: Ground-Up Home Construction Major Remodels or Structural Additions Modular or Manufactured Homes Owner-Builder Projects* Learn More”

“Our construction loans support a range of residential projects, including: Ground-Up Home Construction Major Remodels or Structural Additions Modular or Manufactured Homes Owner-Builder Projects* Learn More”

“Flexible Loan Options We offer both traditional construction loans and owner-builder loans, so you can choose what fits your project and timeline. Clear, Competitive Terms You’ll get straightforward pricing and fixed-rate options designed to support long-term planning. One-on-One Support Our lending team supports you through applications, inspections, and draw schedules, so you always know what comes next. Local Lending, Local Knowledge With deep roots in Idaho, we understand the local building requirements and processes, helping you avoid delays and surprises. Apply Now”

“Flexible Loan Options We offer both traditional construction loans and owner-builder loans, so you can choose what fits your project and timeline. Clear, Competitive Terms You’ll get straightforward pricing and fixed-rate options designed to support long-term planning. One-on-One Support Our lending team supports you through applications, inspections, and draw schedules, so you always know what comes next. Local Lending, Local Knowledge With deep roots in Idaho, we understand the local building requirements and processes, helping you avoid delays and surprises. Apply Now”

“Competitive Rate Local Expertise Low 1% Origination Fee 12-Month Term Up to two draws a month Interest-only monthly payments Refund of up to $500 in fees if construction loan is paid off before 9 months”

“Competitive Rate Local Expertise Low 1% Origination Fee 12-Month Term Up to two draws a month Interest-only monthly payments Refund of up to $500 in fees if construction loan is paid off before 9 months”

“Digital Banking for Business Accounts Login Name Password Forgot UserID or Password? Search: Search When autocomplete results are available use up and down arrows to review and enter to select. div" data-cycle-prev=".cycle-prev a" data-cycle-next=".cycle-next a" data-cycle-pager-template=" " data-pause-type="inline" data-cycle-log="false"> Ace your personal finances Take your first step toward financial independence and earn cashback rewards with Beginnings Student Checking. Learn more Your credit union. Your credit card. New card members earn up to 6,000 bonus points, plus cash back rewards on every purchase. Find out more Life's big moments begin here Cover weddings, home upgrades, back-to-school costs, or even consolidate debt with a Beginnings Personal Loan. Learn More Auto refinancing begins here Rediscover better rates and enjoy no payments for 90 days when you refinance your auto loan with Beginnings. Learn More Your home, Your rate: 5.00% Take advantage of our 5.00% No Closing Cost loan to confidently step into your next home. Lean More Beginners make it happen It's all possible with a Home Equity Line of Credit. Options designed to fit your goals. Learn more Apply for a Loan Open an Account Make a Loan Payment Find a Branch or ATM Contact Us Help/FAQs”

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“Learn More about Lucky Savers *Official rules and complete list of prizes are available at www.beginnings.com/lucky . CONNECT WITH US View Beginnings Credit Union Instagram View Beginnings Credit Union facebook View Beginnings Credit Union Twitter View Beginnings Credit Union YouTube View Beginnings Credit Union Linkedin 1030 Craft Road, Ithaca, NY 14850-1016 Call Center: 607-257-8500 | Toll Free: 800-428-8340 Routing Number: 221381540 NMLS Number: 299582 Equal Housing Opportunity Federally insured by NCUA It's a People Thing ® ! --> Banking for THIS Moment ® --> Download Our Digital Banking Apps Personal Banking Business Banking Website Accessibility Career Opportunities Privacy Policies About Beginnings Security and Fraud Member Forms Terms and Conditions Site Map Maybe Your Bank Should be a Credit Union ® --> Beginnings is honored to be voted the Best Credit Union 2025 Beginnings Credit Union Website Design by LKCS Font Size - + Apply for a Loan Open an Account Make a Loan Payment Find a Branch or ATM Contact Us Help/FAQ Member Forms Make a Loan Payment Help/FAQs Meet the Commercial Team Business Services Brochure Help/FAQs Join Beginnings Credit Union Career Opportunities Help/FAQs End Live Chat Code-->”