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 July 29, 2025 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!

home icon illustration FIXED RATE MORTGAGE

Fixed Rate Mortgage
Rate Description APR
15 Year  As low as 5.625%
20 Year  As low as 6.000%
30 Year  As low as 6.500%

Rates are subject to change daily. Loans over $806,500 may be subject to different rates. Please check with a Mortgage Specialist for details.



home icon illustration ARM (Adjustable Rate Mortgage)

ARM (Adjustable Rate Mortgage)
Rate Description APR
1/1 As low as 3.50%
3/1 As low as 4.75%
5/1 As low as 5.00%
7/1 As low as 5.50%
10/1 As low as 6.00%

Rates are subject to an increase or a decrease after the Initial Fixed Period. Loans over $806,500 may be subject to different rates. Borrower must qualify for Credit Union membership. Qualifying properties must be located within Credit Union charter region. Please check with a Mortgage Specialist for details.

An ARM could be the right fit for you.

Get started with a mortgage professional today!
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home icon illustration SPECIAL PROGRAMS

First Time Home Buyer
with up to 103% financing
Rate Description APR
Up to 30 Year - Fixed Rate As low as 6.99%

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. This loan special is for our Charter area only. 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  7.25%

Rates are subject to change daily. Maximum loan amount is $300,000 (Washington County is up to $350,000). 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. This loan special is for our Charter area only. Certain restrictions may apply. Please contact Credit Union for additional program options.  

Lock in your rate for the long haul!

Get started with a mortgage professional today!
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home icon illustration CONSTRUCTION

Fixed Construction Loans
Rate Description APR
15 Year- Fixed Rate As low as 6.875%
20 Year- Fixed Rate As low as 7.125%
30 Year- Fixed Rate As low as 7.375%

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 6.25%
5/1 As low as 6.50%

Rates are subject to change daily. Please contact Credit Union for additional program options. 

LOANS

rates icon illustration HOME EQUITY

Home Equity Line of Credit Special
Rate Description APR
Introductory Fixed Rate until 5/31/2027 As low as 6.50%

*APR=Annual Percentage Rate. The prime rate is the highest prime rate published in the “Money Rates Table” of the Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. This special rate will be in effect until May 31, 2027. Thereafter, the APR will be based on the prime rate plus a margin of up to 4.25%. If the special rate was not offered, the present APR could be as much as 11.75%. The maximum APR that can apply is 18.00%. Credit is subject to approval. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be the owner-occupied primary residence. This type of credit is not available for cooperatives. The minimum line of credit amount is $10,000. Funds advanced subject to a minimum amount of $250 per draw. Flood and /or property hazard insurance is required. Other restrictions may apply. The present APR of 6.50% is current as of June 2, 2025. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.


Home Equity Loan
Rate Description APR
60 months As low as 4.49%
84 months As low as 5.25%
120 months As low as 5.49%
180 months As low as 5.75%
Certain restrictions may apply.

Don't let your equity go to waste!

Apply for a HOME EQUITY loan!
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rates icon illustration PERSONAL

Emergency Relief Loan
Rate Description APR
0-90 days 0.00%
91 days-24 months 5.50%

Certain restrictions may apply. $5,000 max loan amount. New money only, no refinances. For a limited time.

 

65- Year Anniversary Personal Loan Promo
Rate Description APR
0-48 months As low as 6.50%

Certain restrictions may apply. $10,000 max loan amount. New money only, no refinances. For a limited time.

 

Personal Loans
Rate Description APR
0-36 months As low as 9.99%
37-48 months As low as 14.00%
49-60 months As low as 15.00%

Certain restrictions may apply.

Ready to get started?

Apply for a personal loan!
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rates icon illustration AUTO

 
Flood Relief Auto Loan Promo
Rate Description APR
2022 & newer: 0-84 months
 As low as 0.95%
2019-2021: 0-72 months
 As low as 0.95%

Certain restrictions may apply. Proof of total loss required. Offer valid for a limited time only. Indirect Auto Loans are ineligible. 

 
Auto Loans
Rate Description APR
2022 & newer: 0-36 months As low as 4.25%
2022 & newer: 37-48 months As low as 4.49%
2022 & newer: 49-60 months As low as 4.99%
2022 & newer: 61-72 months As low as 5.49%
2022 & newer: 73-84 months As low as 5.99%
2017-2021: 0-36 months As low as 4.99%
2017-2021: 37-48 months As low as 5.25%
2017-2021: 49-60 months As low as 5.99%
2017-2021: 61-72 months As low as 6.75%
2017-2021: 73-84 months As low as 7.75%
2013-2016: 0-36 months As low as 6.49%
2013-2016: 37-48 months As low as 8.35%
2012 & older: 0-36 months As low as 7.75%

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

Vroom Vroom! Time to hit the road.

Apply for an auto loan!
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rates icon illustration CREDIT CARDS

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

Ready to start building your credit? 

Apply for a credit card today!
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rates icon illustration RECREATIONAL VEHICLES

RVs & Trailers
Rate Description APR
New - Up to 144 months
Value must be $80,000+ for 144 month term
 84 month  Auto Rate + 4.00%
New - Up to 120 months
Value must be $50,000+ for 120 month term
 84 month Auto Rate + 3.00%
New - Up to 84 months
Value must be $40,000+ for 84 month term
 Auto Rate + 2.00%
Used - Up to 84 months
Value must be $40,000+ for 84 month term
 Auto Rate + 2.00%
Certain restrictions apply.
 
Motorcycles
Rate Description APR
New - Up to 72 months
Value must be $20,000+ for 72 month term
 Auto Rate + 2.00%
Used - Up to 60 months
Value must be $12,000+ for 60 month term
 Auto Rate + 2.00%
Boats
Rate Description APR
New - Up to 72 months
Value must be $20,000 for 72 month term
 Auto Rate + 2.50%
Used - Up to 60 months
Value must be $12,000 for 60 month term
 Auto Rate + 2.50%
ATVs/Snowmobiles/Personal Watercrafts/Utility Equipment/Equipment
Rate Description APR
New - Up to 60 months
Value must be $15,000 for 60 month term
 Auto Rate + 2.00%
Used - Up to 48 months
Value must be $2,500+ for 48 month term
 Auto Rate + 2.00%

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!

Apply for membership!
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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 Account
on balances greater than $5
 1.25% 1.242%
Teen Savers Account
on balances greater than $5
 1.25% 1.242%
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
$100.00 - $499.99 0.10% 0.100%
$500.00 - $4,999.99 0.75% 0.747%
$5,000.00 - $24,999.99 1.50% 1.489%
$25,000.00 - $74,999.99 1.75% 1.735%
$75,000.00 - $149,999.99 2.00% 1.980%
$150,000.00 - $249,999.99 2.25% 2.225%
$250,000.00 + 2.50% 2.469%

One free withdrawal per quarter. $25 fee for each additional withdrawal in same quarter. Balances below $100 earn 0.00%.

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

Apply for membership!
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moeny bag icon illustration MONEY MARKET

Money Market Deposit Accounts (MMDA)

Rate Description APY Dividend/Interest
$100.00 - $999.99 0.10% 0.100%
$1000.00 - $9,999.99 0.50% 0.499%
$10,000.00 - $24,999.99 0.60% 0.598%
$25,000.00 - $49,999.99 0.80% 0.797%
$50,000.00 - $99,999.99 1.00% 0.995%
$100,000.00 - $249,999.99 1.35% 1.341%
$250,000.00 + 1.80% 1.784%

Balances below $100 earn 0.00%.


Looking for a higher rate with some flexibility? 

Apply for membership!
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moeny bag icon illustration CERTIFICATES

Certificate SPECIALS

Rate Description APY Dividend/Interest
9 Month SPECIAL 3.95% 3.874%
18 Month SPECIAL 3.85% 3.778%
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.
 
Certificates

Rate Description APY Dividend/Interest
91 Days 1.00% 0.995%
6 Months 2.00% 1.980%
12 Months 2.25% 2.225%
18 Months 
 2.40%
2.372%
24 Months 2.50% 2.469%
36 Months 2.65% 2.616%
48 Months 2.75% 2.713%
60 Months 3.00% 2.956%
72 Months 3.25% 3.198%

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? 

Apply for membership!
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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.