MORTGAGES
For more detailed information about our mortgage products, visit our Home Loans Center!
Ask about our Closing Cost Reimbursement program!
Ask about our Closing Cost Reimbursement program!
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.
There are many reasons that an ARM could be right for you.
| 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.
| 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
HOME EQUITY
| Fixed Home Equity Loan Promotion | |
|---|---|
| Rate Description | APR |
| 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 1.24% |
| LTV>80% | As low as 1.99% |
Closing Cost Reimbursement eligible, certain restrictions apply. Rate fixed until 12/31/21.
| 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% |
PERSONAL
| Summer Loan Promotion | |
|---|---|
| Rate Description | APR |
| Terms up to 12 months | As low as 2.49% |
| Terms up to 24 months | As low as 2.99% |
| Terms up to 36 months | As low as 3.49% |
| Terms up to 48 months | As low as 3.99% |
| Terms up to 60 months | As low as 4.49% |
| 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?
| Auto Loan Promotion | |
|---|---|
| Rate Description | APR |
| 36 months | 1.49% |
| 48 months | 1.74% |
| 60 months | 1.99% |
| 72 months | 2.39% |
Model years 2016-2021. 80,000 miles or less.
| Auto Loans | |
|---|---|
| Rate Description | APR |
| 2018 & newer: 0-48 months | As low as 1.99% |
| 2018 & newer: 49-60 months | As low as 2.50% |
| 2018 & newer: 61-72 months | As low as 2.89% |
| 2018 & newer: 73-84 months | As low as 3.25% |
| 2013-2017: 0-48 months | As low as 2.75% |
| 2013-2017: 49-60 months | As low as 3.50% |
| 2013-2017: 61-72 months | As low as 4.25% |
| 2013-2017: 73-84 months | As low as 5.00% |
| 2009-2012: 0-36 months | As low as 4.00% |
| 2009-2012: 37-48 months | As low as 5.00% |
| 2008 & 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.
| Visa Credit Cards | |
|---|---|
| Rate Description | APR |
| Visa Classic (Gold) | 11.50% |
| Visa Platinum | 8.99% |
Ready to start building your credit?
| RVs & Trailers | |
|---|---|
| Rate Description | APR |
| 2018 & Newer: 0-48 months | As low as 2.99% |
| 2018 & Newer: 49-60 months | As low as 3.50% |
| 2018 & Newer: 61-72 months | As low as 4.25% |
| 2018 & Newer: 73-84 months | As low as 4.75% |
| 2018 & Newer: 85-120 months | As low as 5.50% |
| 2018 & Newer: 121-144 months | As low as 6.00% |
| 2013-2017: 0-48 months | As low as 3.75% |
| 2013-2017: 49-60 months | As low as 4.50% |
| 2013-2017: 61-72 months | As low as 5.25% |
| 2013-2017: 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% |
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% |
| 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 greater than $100
|
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 | 0.15% | 0.150% |
| $5,000 - $24,999 | 0.20% | 0.200% |
| $25,000 - $74,999 | 0.40% | 0.399% |
| $75,000 - $149,999 | 0.55% | 0.548% |
| $150,000 - $249,999 | 0.65% | 0.648% |
| $250,000 + | 0.85% | 0.846% |
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%.
| 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 | 0.15% | 0.150% |
| $25,000 - $49,000 | 0.20% | 0.200% |
| $50,000 - $99,999 | 0.25% | 0.250% |
| $100,000 - $249,999 | 0.40% | 0.399% |
| $250,000 + | 0.50% | 0.499% |
Three free withdrawals per month. $10 fee for each additional w/d in same month. Balances that fall below $100, earn 0.00%.
| 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.
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
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.