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 August 18, 2023 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!
ARM (Adjustable Rate Mortgage)
ARM (Adjustable Rate Mortgage)
Rate Description
APR
1/1
As low as 2.99%
3/1
As low as 4.25%
5/1
As low as 4.50%
7/1
As low as 5.00%
10/1
As low as 5.50%
Rates are subject to an increase or a decrease after the Initial Fixed Period. Loans over $726,200 may be subject to different rates, please check with a Mortgage Specialist for details.
Rates are subject to change daily. Maximum loan amount is $726,200. Loans over $726,200 may be subject to different rates. Rates based on Primary or Secondary Residence/Owner Occupied. Please contact Credit Union for additional program options.
SPECIAL PROGRAMS
First Time Home Buyer
with up to 103% financing
Rate Description
APR
Up to 30 Year - Fixed Rate
As low as 5.25%
Rates are subject to change at any time without notice. Maximum loan amount is $200,000 (Washington County is up to $250,000). Rates based on Primary Residence/Owner Occupied, single family dwelling/townhome. Borrower(s) or property owner(s) must not have owned real estate in the past. Certain restrictions may apply. Please contact Credit Union for additional program options.
Second Chance Home Buyer
with up to 97% financing
Rate Description
APR
Up to 30 Year - Fixed Rate
As low as 6.25%
Rates are subject to change daily. Maximum loan amount is $250,000 (Washington County is up to $300,000). Rates based on Primary Residence/Owner Occupied, single family dwelling/townhome. Borrower(s) or property owner(s) must have owned real estate, at max, once in the past. Certain restrictions may apply. Please contact Credit Union for additional program options.
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.
SPECIAL PROGRAMS
HOME EQUITY
CHECKING