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 January 17, 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!

home icon illustration 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.

An ARM could be the right fit for you.

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

Fixed Mortgages
Rate Description APR
15 Year - Fixed Rate As low as  5.25%
20 Year - Fixed Rate As low as 5.50%
30 Year - Fixed Rate As low as  5.75%

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. 

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 4.99%
20 Year- Fixed Rate As low as 5.75%
30 Year- Fixed Rate As low as 5.99%

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 4.75%
5/1 As low as 4.99%

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

LOANS

rates icon illustration HOME EQUITY

Home Equity Loan
Rate Description APR
60 months As low as 3.50%
84 months As low as 4.50%
120 months As low as 5.00%
180 months As low as 5.50%
*Certain Restrictions Apply

Don't let your equity go to waste!

Apply for a HOME EQUITY loan!
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rates icon illustration PERSONAL

Holiday Loan Promo
Rate Description APR
0-12 months As low as 3.50%
13-18 months As low as 4.50%
*Maximum loan amount of $10,000. New money only. Offer ends January 31, 2023.

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?

Apply for a personal loan!
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rates icon illustration AUTO

Auto Loans
Rate Description APR
2020 & newer: 0-36 months As low as 2.49%
2020 & newer: 37-48 months As low as 2.74%
2020 & newer: 49-60 months As low as 3.24%
2020 & newer: 61-72 months As low as 3.74%
2020 & newer: 73-84 months As low as 4.24%
2015-2019: 0-36 months As low as 3.24%
2015-2019: 37-48 months As low as 3.50%
2015-2019: 49-60 months As low as 4.25%
2015-2019: 61-72 months As low as 5.00%
2015-2019: 73-84 months As low as 6.00%
2011-2014: 0-36 months As low as 4.75%
2011-2014: 37-48 months As low as 6.60%
2010 & older: 0-48 months As low as 6.00%

Other terms & 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/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 0.75% 0.747%
$25,000 - $74,999 0.90% 0.896%
$75,000 - $149,999 1.05% 1.045%
$150,000 - $249,999 1.35% 1.341%
$250,000 + 1.50% 1.489%

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!

Apply for membership!
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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 0.15% 0.150%
$10,000 - $24,999 0.20% 0.200%
$25,000 - $49,000 0.30% 0.300%
$50,000 - $99,999 0.40% 0.399%
$100,000 - $249,999 0.60% 0.598%
$250,000 + 0.80% 0.797%

Three free withdrawals per month. $10 fee for each additional w/d in same month. 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

Certificates

Rate Description APY Dividend/Interest
91 Days 1.00% 0.995%
6 Months 2.00% 1.980%
12 Months 3.00% 2.956%
18 Months 
 3.75%
3.682%
24 Months 3.25% 3.198%
36 Months 3.50% 3.440%
48 Months 3.75% 3.682%
60 Months 3.50% 3.440%
72 Months 4.00% 3.922%

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.