Rates


Let's cut to the chase.

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.

 
Occasionally we offer special rates to our members based on residency.
Click here to view current location-based promotions!
 
These rates are effective as of October 1, 2021 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!

home icon illustration ARM (Adjustable Rate Mortgage)

ARM (Adjustable Rate Mortgage)
Rate Description APR
1/1 As low as 1.490%
3/1 As low as 1.750%
5/1 As low as 2.000%
7/1 As low as 2.125%
10/1 As low as 2.250%

Rates are subject to an increase or a decrease after the Initial Fixed Period. Loans over $548,250 may be subject to different rates, please check with a Mortgage Specialist for details.

An ARM could be the right fit for you.


home icon illustration FIXED

Fixed Mortgages
Rate Description APR
15 Year - Fixed Rate As low as  2.375%
20 Year - Fixed Rate As low as  2.625%
30 Year - Fixed Rate As low as  2.875%

Rates are subject to change daily. Maximum loan amount is $548,250. 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. 


Lock in your rate for the long haul!


home icon illustration CONSTRUCTION

Fixed Construction Loans
Rate Description APR
15 Year- Fixed Rate As low as 2.875%
20 Year- Fixed Rate As low as 3.25%
30 Year- Fixed Rate As low as 3.50%

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

rates icon illustration HOME EQUITY

Fixed Home Equity Loan Promotion
Rate Description APR
10 years As low as 2.00%
15 years As low as 2.25%
20 years As low as 2.75%
25 Years As low as 3.00%

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.

Home Equity Loan
Rate Description APR
60 months As low as 1.99%
84 months As low as 2.49%
120 months As low as 2.99%
180 months As low as 4.00%
*Certain Restrictions Apply

Don't let your equity go to waste!


 rates icon illustration PERSONAL

Holiday Loan Promotion
Rate Description APR
Terms up to 12 months As low as 2.99%
Terms up to 24 months As low as 3.49%
Terms up to 36 months As low as 3.99%

Personal Loans
Rate Description APR
0-36 months As low as 8.99%
37-48 months As low as 13.00%
49-60 months As low as 14.00%

Ready to get started?


rates icon illustration AUTO

Auto Loan Promotion
Rate Description APR
36 months 1.49%
48 months 1.74%
60 months 1.99%
72 months 2.39%

Model years 2017-2022. 80,000 miles or less.

Auto Loans
Rate Description APR
2019 & newer: 0-48 months As low as 1.99%
2019 & newer: 49-60 months As low as 2.50%
2019 & newer: 61-72 months As low as 2.89%
2019 & newer: 73-84 months As low as 3.25%
2014-2018: 0-48 months As low as 2.75%
2014-2018: 49-60 months As low as 3.50%
2014-2018: 61-72 months As low as 4.25%
2014-2018: 73-84 months As low as 5.00%
2010-2013: 0-36 months As low as 4.00%
2010-2013: 37-48 months As low as 5.00%
2009 & older: 0-48 months As low as 5.50%

Other terms & rates available. Please contact us for more information.

Vroom Vroom! Time to hit the road.


rates icon illustration CREDIT CARDS

Visa Credit Cards
Rate Description APR
Visa Classic (Gold) 11.50%
Visa Platinum 8.99%

Ready to start building your credit? 


rates icon illustration RECREATIONAL VEHICLES

RVs & Trailers
Rate Description APR
2019 & Newer: 0-48 months As low as 2.99%
2019 & Newer: 49-60 months As low as 3.50%
2019 & Newer: 61-72 months As low as 4.25%
2019 & Newer: 73-84 months As low as 4.75%
2019 & Newer: 85-120 months As low as 5.50%
2019 & Newer: 121-144 months As low as 6.00%
2014-2018: 0-48 months As low as 3.75%
2014-2018: 49-60 months As low as 4.50%
2014-2018: 61-72 months As low as 5.25%
2014-2018: 73-84 months As low as 6.00%
*Certain Restrictions Apply
 
Motorcycles
Rate Description APR
New-Up to 72 months Auto Rate + .50%
Used-Up to 60 months Auto Rate + .50%
Boats
Rate Description APR
New-Up to 72 months Auto Rate + 1.00%
Used- Up to 60 months
Value must be $12,000+
Auto Rate + 1.00%
ATVs/Snowmobiles/Personal Watercrafts/Utility Equipment/Equipment
Rate Description APR
New-Up to 60 months Auto Rate + .50%
Used-Up to 48 months Auto Rate + .50%


DEPOSITS

moeny bag icon illustration CHECKING

Checking Accounts

Rate Description APY Dividend/Interest
eFirst Checking - Up to $25,000 2.00% 1.980%
eFirst Checking - Balance in excess of $25,000 0.10% 0.100%
Non-Profit Checking
on balances of $100 and greater
1.10% 1.094%

Our rates are just the tip of the iceberg. Join today!



moeny bag icon illustration SAVINGS

Savings Accounts

Rate Description APY Dividend/Interest
Regular, Business, Club/Secondary & Christmas Club Shares
on balances greater than $100
0.10% 0.100%
Star Savers/Teen Savers Account
on balances greater than $5
0.10% 0.100%
Payroll Holiday Accounts
on balances between $100 & $5,000
1.00% 0.995%
IRA Shares
on balances greater than $100
0.65% 0.648%
Thrift Savings Accounts

Rate Description APY Dividend/Interest
$100 - $499 0.10% 0.100%
$500 - $4,999 0.10% 0.100%
$5,000 - $24,999 0.15% 0.150%
$25,000 - $74,999 0.30% 0.300%
$75,000 - $149,999 0.45% 0.449%
$150,000 - $249,999 0.60% 0.598%
$250,000 + 0.75% 0.747%

Effective 1/1/21. One free withdrawal per quarter. $25 fee for each additional w/d in same quarter. Balances below $100 earn 0.00%.

Wanna earn more for your money? It's a no brainer!


moeny bag icon illustration MONEY MARKET

Money Market Deposit Accounts (MMDA)

Rate Description APY Dividend/Interest
$100 - $999 0.10% 0.100%
$1,000 - $9.999 0.10% 0.100%
$10,000 - $24,999 0.10% 0.100%
$25,000 - $49,000 0.15% 0.150%
$50,000 - $99,999 0.20% 0.200%
$100,000 - $249,999 0.30% 0.300%
$250,000 + 0.40% 0.399%

Three free withdrawals per month. $10 fee for each additional w/d in same month. Balances that fall below $100, earn 0.00%.


Looking for a higher rate with some flexibility? 


moeny bag icon illustration CERTIFICATES

Certificates

Rate Description APY Dividend/Interest
91 Days 0.10% 0.100%
6 Months 0.30% 0.300%
12 Months 0.45% 0.449%
18 Months 0.55% 0.548%
24 Months 0.65% 0.648%
36 Months 0.75% 0.747%
48 Months 0.95% 0.946%
48 Months (step up) 0.95% 0.946%
60 Months 1.20% 1.193%
72 Months 1.35% 1.341%

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.


Want to grow your money steadily & securely? 




Club Savings Account Promotion- 2.00% APY

*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.