Whether you're borrowing or saving, we've got rates to make your wallet happy. Using the shortcuts below, jump directly to the product you need... or browse ALL of our rates. We think (scratch that... we KNOW) you'll like what you see.
These rates are effective as of January 10, 2022 unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY = annual percentage yield. Conventional Loan Rates
MORTGAGES
For more detailed information about our mortgage products, visit our Home Loans Center!
Ask about our Closing Cost Reimbursement program!
ARM (Adjustable Rate Mortgage)
ARM (Adjustable Rate Mortgage)
Rate Description
APR
1/1
As low as 1.500%
3/1
As low as 2.000%
5/1
As low as 2.250%
7/1
As low as 2.500%
10/1
As low as 2.750%
Rates are subject to an increase or a decrease after the Initial Fixed Period. Loans over $647,200 may be subject to different rates, please check with a Mortgage Specialist for details.
Rates are subject to change daily. Maximum loan amount is $647,200. Rates based on Primary or Secondary Residence/Owner Occupied. Please contact Credit Union for additional program options. Please see "Fixed Rate Home Equity Promotion" for additional low-rate fixed options.
Rates are subject to change daily. Please contact Credit Union for additional program options.
Construction ARMs (Adjustable Rate Mortgages)
Rate Description
APR
3/1
As low as 2.50%
5/1
As low as 2.75%
Rates are subject to change daily. Please contact Credit Union for additional program options.
LOANS
HOME EQUITY
Fixed Home Equity Loan Promotion
Rate Description
APR
10 years
As low as 2.25%
15 years
As low as 2.50%
20 years
As low as 3.00%
25 Years
As low as 3.25%
Closing Cost Reimbursement eligible, certain restrictions apply. Rates shown above are for LTV 80% and less. 1st Lien Position Only- Can be used for new purchase or refinance!
Home Equity Line of Credit Promotion
Rate Description
APR
LTV<80%
As low as 0.99%
LTV>80%
As low as 1.74%
Closing Cost Reimbursement eligible, certain restrictions apply. Rate fixed until 06/30/22.
IRA Certificates must be at least 12 months. IRAs are eligible. $500 minimum balance required. Early withdrawal penalty applies. Certificate Specials renew at the non-promotional rate. IRA, HSA, ESA certificates automatically renew into a 12 month non-promo rate. Non-promo certificates automatically renew into the same term.
*Must show proof of employment with valid ABL badge.
All rates subject to change without notice. APR - Annual Percentage Rate APY - Annual Percentage Yield LTV (Loan to Value) = Loan amount divided by appraised value Fees and/or other conditions could reduce earnings
First Peoples Community Federal Credit Union is a full-service financial institution with branches in Maryland, Pennsylvania and West Virginia.
ARM (Adjustable Rate Mortgage)
HOME EQUITY
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