Featuring:

1.000% off Prime Rate for 12 Months 1

48 Hour Approval 2

One Time Fixed Rate Conversion Option 3

20 Year Payback Period

 

Apply with your local expert lender today!

 
1. 1.000% off Prime Rate at time of application. Requires a First Citizens’ checking account set up at time of loan closing with automatic monthly payment deduction. The index is Prime Rate published on the last business day of the Wall Street Journal. This is a variable rate loan with thirty year term. Access to line of credit for first ten years (draw period) followed by 20 year repayment period. Maximum loan amount cannot exceed 80% of the home’s current appraised value less any existing mortgage liens. $25.00 annual maintenance fee to be collected 12 months after funding. Maximum Annual Percentage Rate (APR) is 18% and minimum rate equal to the initial start rate. $450 Early Termination fee will be applied if loan is closed within 3 years. Other terms and conditions may apply. Rates subject to credit approval. Property insurance required. Offer subject to change without notice. Visit www.firstcitizens.org for more Disclosure Information. 2.  48 hour approval contingent on adequate submission of required documents. 3.  One time free conversion to fixed rate for the current balance of line. Exercising this option ends line of credit draw period. Interest rate at time of conversion to be equal to Prime Rate published on the last business day of the Wall Street Journal of the prior month of the conversion request date. Payment based on 20 year amortization if converted within first 10 years and Payment based on remaining term if requested in the repayment period.
 

 

We invite all photographers to enter our SNAP Your Town! 2020 Calendar Photo Contest

 

Our 2020 calendar will feature photographs from the communities where we live. Your photo could be selected to be in our 2020 calendar AND you could win a $40 Visa gift card. Once we choose our favorite 15 photos (12 months in 2020, one month 2021, cover and back), we will head to Facebook to have the public vote which photo will be the cover of the calendar! The cover photo winner will win a $100 Visa gift card! 
 
Acceptable photos: Send us photos of iconic landmarks, scenic or landscape images of our local area. No people in the image. Photos of all 4 seasons are highly encouraged. Photo must be horizontal format at 300 DPI and at a minimum size of 11 inches wide or 3300 pixels x 2550 pixels. JPG format only. We will not accept any photos that are printed or on any portable media device (CDs, flash drives).
 
How to  Enter: Fill out the entire form below and submit to Marketing@firstcitizens.org with your photo attached. One form per photo must be submitted. 
 
Photo submission is from June 16, 2019 - July 26, 2019
 
 
 
 
 

 
 

9 Month Term Certificate at a 2.25%APY1

Plus we have even more great rates!

12 Month Personal Money Market at 1.80%APY2

6 Month Business Money Market at 1.80%APY3

Stop by one of our locations to open your account today!

1 . Annual Percentage Yield (APY) is available as of 12/10/18. Minimum deposit of $500 is required to open account. Penalties may be imposed for early withdrawal. Premium rates not eligible for this special. This is a limited time offer and may be withdrawn at any time. Rates subject to change at any time. 2. Annual percentage yield. Rates effective 12/10/18. Fees could reduce earnings on account. You must deposit $2,500 to open this account. You must maintain a minimum daily balance of $2,500 in the account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. We may change the dividend rate on your account at any time. Balances $2,499.99 or less will not earn interest. After 12-month promotional rate, rate will be equal to the rates of our Elite Money Market Savings account. This is a limited time offer. We reserve the right to determine the eligibility of new members and existing members for all promotional offers. These offers cannot be combined with any other current or ongoing offers, promotions, & discounts. 3. Annual percentage yield. Rates effective 12/10/18. Fees could reduce earnings on account. You must deposit $2,500 to open this account. You must maintain a minimum daily balance of $2,500 in the account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. We may change the dividend rate on your account at any time. Balances $2,499.99 or less will not earn interest. After 6-month promotional rate, rate will be equal to the rates of our Elite Choice Money Market Business Savings account. This is a limited time offer. We reserve the right to determine the eligibility of new members and existing members for all promotional offers. These offers cannot be combined with any other current or ongoing offers, promotions, & discounts.

 

 


Facebook Flash Friday contest rules