Rates | First Citizens Federal Credit Union

Mortgage Rates

Rates Effective 7/1/25

Conforming Fixed

Term	Rate	APR	Minimum Down Payment	Estimated Payment Per $1,000
30-Year Fixed	6.000%	6.067%	5%	$6.00
20-Year Fixed	6.000%	6.090%	5%	$7.16
15-Year Fixed	6.000%	6.113%	5%	$8.44
10-Year Fixed	6.000%	6.160%	5%	$11.10

^{*APR = Annual Percentage Rate. All APRs based on $180,000 loan amount with 20% equity. The rates are for owner occupied 1-4 family properties on purchase or refinancing transactions. Taxes and insurance not included in estimated payment. Get an official Loan estimate before choosing a loan. Click here for more Disclosure Information.}

Fixed Home Equity Loans

Loan-to-Value Ratio	Term	Rate	APR	Estimated Payment Per $1,000
LTV 80% <	1-7 Years	5.500%	5.645%	$14.37
LTV 80% <	8-10 Years	5.500%	5.605%	$10.85
LTV 80% <	11-15 Years	5.500%	5.574%	$8.17
LTV 80% <	16-20 Years	5.500%	5.558%	$6.88

^{*Loans subject to approval. For Fixed Rate Home Equity Loans listed above, the APR's are based on $50,000 Loan Amount with 20% Equity.}

Home Equity Line of Credit

Term	APR
10–10 Years ¹	5.50%

^{1 This is a variable rate loan with 20-year term. Access to line of credit for first ten years (draw period) followed by 10-year repayment period. The index is Prime Rate as posted October 1st each year effective January 1st (Prime – 2.00%) Maximum loan amount cannot exceed 80% of the current home’s current appraised value less any existing mortgage liens. Floor rate is 4.00% and max rate 8.00%. Other terms and conditions may apply. Offer subject to change without notice. Click here for more Disclosure Information.}

Loans

Personal Loan

Term	Rate	APR	Payment Per Thousand
1-12 months	5.500%	5.500%	$85.84
13-24 months	5.500%	5.500%	$44.09
25-36 months	5.500%	5.500%	$30.20
37-48 months	5.500%	5.500%	$23.25

Monthly payment amount is based on loan amounts of $1,000. Payment may change based on term. Loans range from $500 to $5000.

Collateral Loan

Collateral loans are available to borrow against a Savings Account or Term Certificate. For more info visit your local branch or call our Contact Center 1-(800) 642-7515.

Mass Save® Loan

Term	Rate	Minimum	Maximum
Determined by Mass Save	0%	$500	$25,000- $50,000¹

^{1 Max $25,000 for energy efficient upgrades. Loan exceeding $25,000 authorized through Mass Save prior to January 1, 2025 will be accepted through their expiration date.}

^{Approval letter from the state required}

Mass Save® Loan Micro Heat Loan

Term	Rate	Minimum	Maximum
12-24 months	0%	$500	$2,000¹

^{1 For energy efficient upgrades}

^{Approval letter from the state required}

Savings & Checking

Personal Checking

Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY
Relationship Checking ²	0.050%	0.05%	$500
Health Savings Account ³	0.050%	0.05%	$0

^{*Rates are subject to approval}

^{1 Annual percentage yield. Fees could reduce earnings on account.}
^{2 Bonus Dividend of $10 when the member maintains $1,000 in a Statement Savings and has 15 Point-of-Sale transactions post to the checking account in the statement cycle.}
^{3 Must have High Deductible Health Plan with Employer. See Account Disclosures for more.}

Personal Savings

Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY
Statement Savings	0.050%	0.05%	$100
Youth Savings	0.150%	0.15%	$100
Elite Money Market Savings
$1.00 or more but less than $10,000.00	0.050%	0.05%	n/a
$10,000.00 or more but less than $25,000.00	0.100%	0.10%	n/a
$25,000.00 or more but less than $50,000.00	0.150%	.15%	n/a
$50,000.00 or more but less than $75,000.00	0.200%	.20%	n/a
$75,000.00 or more	0.250%	.25%	n/a

^{*Rates are subject to approval}

^{1 Annual percentage yield. Fees could reduce earnings on account.}

Business Checking

Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY ¹
Free Business Checking	0.050%	0.05%	$5,000
Business Checking Plus	0.050%	0.05%	$1,000
High Yield Business Checking
$0.01 or more but less than $10,000	0.050%	0.05%	n/a
$10,000 or more but less than $50,000	0.100%	0.10%	n/a
$50,000 or more but less than $75,000	0.200%	0.20%	n/a
$75,000 or more	0.300%	0.30%	n/a

Business Savings

Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY ¹
Business Savings	0.100%	0.10%	$100
Business Savings Plus
$0.01 or more but less than $10,000	0.050%	0.05%	n/a
$10,000 or more but less than $50,000	0.100%	0.10%	n/a
$50,000 or more but less than $75,000	0.200%	0.20%	n/a
$75,000 or more	0.300%	0.30%	n/a
Elite Money Market Business
$2,500 or more	0.250%	0.25%	n/a

^{*Rates are subject to approval}

^{1 Annual Percentage Yield}

Term Certificates & IRAs

Term	Dividend Rate	APY ¹	Minimum Balance to Earn APY ¹
3 Months	0.150 %	0.15%	$500
6 Months	0.200 %	0.20%	$500
18 months	0.250 %	0.25%	$500
1 Year	0.450 %	0.45%	$500
2 year	0.500%	0.50%	$500
3 Years	0.750 %	0.75%	$500
4 Years	0.750 %	0.75%	$500
5 Year	0.750%	0.75%	$500

^{*Rates are subject to approval}

^{1 Annual Percentage Yield.}
^{2,Annual Percentage Yield (APY) is available as of 03/24/20. 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.}

^{If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only). Fees could reduce earnings on account. There are no annual maintenance fees on IRA accounts. Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government. For more, visit account disclosures here.}