Rates Effective 1/16/19
Conforming Fixed
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| Term |
Rate |
Points |
APR |
Minimum Down
Payment |
Estimated Payment
Per $1,000 |
| 30-Year Fixed |
4.500% |
0 |
4.577% |
5% |
$5.07 |
| 20-Year Fixed |
4.375% |
0 |
4.478% |
5% |
$6.26 |
| 15-Year Fixed |
4.000% |
0 |
4.124%
|
5% |
$7.40 |
| 10-Year Fixed |
3.875% |
0 |
4.051% |
5% |
$10.07 |
*APR = Annual Percentage Rate. All APRs based on $180,000 loan amount. The rates are for owner occupied single family properties on purchase or no cash out refinancing transactions, with up to 60% Loan to Value LTV and are based on minimum borrower FICO credit score of 740. The loan amount cannot exceed Fannie Mae conforming loan limits. The rates are not reflective of price adjustments based on LTV higher than 60%, FICO Credit Score less than 740 or cash out transactions. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment and costs could be higher. Get an official Loan estimate before choosing a loan.
Jumbo Fixed Rate Mortgage
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| Term |
Rate |
Points |
APR |
Minimum Down
Payment |
Estimated Payment
Per $1,000 |
| 30-Year Fixed |
4.500% |
0 |
4.577% |
n/a |
$5.07 |
| 15-Year Fixed |
4.000% |
0 |
4.124% |
n/a |
$7.40 |
*APR = Annual Percentage Rate. Minimum loan amount is $424,100. Property insurance required. Rate is subject to credit approval.
For a fixed Construction Loan contact your local Mortgage Lender. Pricing on the 30 year fixed C to P is .25% above 30 year PAR pricing. Payment does not include real estate taxes or mortgage insurance. Payment may be higher.
Mass Housing
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| Term |
Rate |
Points |
APR |
Minimum Down
Payment |
Estimated Payment
Per $1,000 |
| 30-Year Term Fixed Rate |
4.875% |
0 |
5.125% |
3% |
$5.29
|
30-Year Term Fixed Rate
(MIF Municipal Program
& Home for the Brave) |
4.625% |
0 |
4.704% |
3% |
$5.14 |
30-Year Term Fixed Rate
(Buy Cities) |
4.750%
|
0 |
4.831% |
3% |
$5.22 |
*Payment does not include real estate taxes or mortgage insurance. Payment may be higher. Rates are subject to approval
Call our Mortgage Lenders for other MassHousing Specials. Annual Percentage Rate (APR) based on $180,000 loan amount with 20% down payment.
Solar Loans
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| Term |
Rate |
Estimated Payment
Per $1,000 |
APR |
| 5-Year Fixed |
5.000% |
$18.87 |
5.000% |
| 10-Year Fixed |
5.250% |
$10.73 |
5.250% |
| 15-Year Fixed |
5.750% |
$8.30 |
5.750% |
| 19-Year Fixed |
6.000% |
$7.36 |
6.000% |
*APR = Annual Percentage Rate. Rates subject to change.
Fixed Home Equity Loans
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| Loan-to-Value Ratio |
Term |
APR |
Min/Max
Amounts |
Estimated
Payment
Per $1,000 |
| LTV 80% < |
1-7 Years |
4.882% |
$5,000 min |
$14.13 |
| LTV 80% < |
8-10 Years |
5.099%
|
$5,000 min |
$10.73 |
| LTV 80% < |
11-15 Years |
5.322% |
$5,000 min |
$8.17 |
Home Equity Line of Credit
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| Term |
APR |
Min/Max
Amounts |
| 10–20 Years 1 |
5.500% |
$5,000 min |
1 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. The index is Prime Rate published on the last business day of the Wall Street Journal. Maximum loan amount cannot exceed 80% of the home's current appraised value less any existing mortgage liens. $25.00 annual maintenance fee waived for life of loan for First@Work, Hero and Champion account holders. Fee is waived in first year for all other account holders. maximum Annual Percentage Rate (APR) is 18% and minimum rate of 3% (except for promotional period). Other terms and conditions may apply. Rates subject to credit approval. Property insurance required. Offer subject to change without notice. Click here for more Disclosure Information.
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| Type |
Rate |
Points |
APR |
Minimum
Down
Payment |
Term |
Estimated
Payment
Per $1,000 |
| 90% No MI |
5.000% |
0 |
5.085% |
10% |
30 Years |
$5.37 |
| MHP One |
4.150% |
0 |
4.222% |
3% |
30 Years |
$4.86 |
Hero/Champion/
First@Work Mortgage |
4.500% |
0 |
4.577% |
5% |
30 Years |
$5.07
|
*APR = Annual Percentage Rate. Rates are subject to approval
Disclosure Information
Rates Effective 1/16/19
Vehicles
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Years for New & Used
Vehicles/Motorcycles 1,3 |
Term |
APR 2
As Low As |
Min/Max
Amounts |
Estimated Payment
Per $1,000 |
| 2017 - 2019 |
63 months |
4.39% |
Disclosure |
$17.84 |
| 2017 - 2019 |
66 months |
4.89% |
Disclosure |
$17.35 |
| 2017 - 2019 |
72 months |
4.99% |
Disclosure |
$16.14 |
| 2016 |
63 months |
4.74% |
Disclosure |
$18.00 |
| 2016 |
66 months
|
5.14% |
Disclosure |
$17.47 |
| 2016 |
72 months |
5.14% |
Disclosure |
$16.21 |
| 2015 |
63 months |
5.04% |
Disclosure |
$18.14 |
| 2015 |
66 months |
5.14% |
Disclosure |
$17.47 |
| 2015 |
72 months |
5.44% |
Disclosure |
$16.35 |
| 2014 |
60 months |
5.04% |
Disclosure |
$18.93 |
| 2013 |
60 months |
5.34% |
Disclosure |
$19.07 |
| 2011 - 2012 |
48 months |
5.90% |
Disclosure |
$23.50 |
New Recreational
Vehicles 2016/2017 1,3 |
60 months |
8.24% |
Disclosure |
$19.98 |
Personal Unsecured Loans 1
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| Term |
APR As
Low As |
Min/Max
Amount |
Estimated Payment
Per $1,000 |
| 12 Months |
4.99% |
$500 min -
$5,000 max |
$85.59 |
| 24 Months |
8.49% |
$500 min -
$5,000 max |
$45.44 |
| 36 Months |
9.49% |
$500 min -
$5,000 max |
$32.02 |
| 48 Months |
10.49% |
$500 min -
$5,000 max |
$25.60 |
Secured Loans
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| Type |
Term |
APR As
Low As |
Min/Max
Amounts |
Savings Secured
Loans (Installment) 1 |
36 Months Max |
Savings Rate Plus 3% APR |
Disclosure |
Certificate Secured
Loans (Installment) 1 |
Remainder of Term up to
36 Months |
Certificate Rate Plus 3% APR |
Disclosure |
*Loans are subject to approval
1 Rates may very based on your credit history, your method of payment and market changes. Click on "Disclosure" next to loan type for more information.
2 APR = Annual Percentage Rate
3 Rate not available on existing First Citizens' vehicle loans
Rates Effective 12/03/18
Term Certificates & IRAs
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| Term |
Dividend
Rate |
APY 1 |
Minimum Balance
to Earn APY 1 |
Relationship
Premium Rate 2 |
Relationship
Premium APY 1 |
| 3 Months |
0.150 % |
0.15% |
$500 |
0.400% |
0.40% |
| 6 Months |
0.200 % |
0.20% |
$500 |
0.450% |
0.45% |
| 1 Year |
0.450 % |
0.45% |
$500
|
0.700% |
0.70% |
| 18 Months |
0.250% |
0.25% |
$500 |
0.500% |
0.50% |
| 2 year |
0.500% |
0.50% |
$500 |
0.750% |
0.75% |
| 3 Years |
0.750 % |
0.75% |
$500 |
1.000% |
1.00% |
| 4 Years |
1.000 % |
1.00% |
$500
|
1.240% |
1.25% |
| 5 Year |
1.090 % |
1.10% |
$500 |
1.340% |
1.35% |
Special Term Certificates & IRAs
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Term
|
Dividend
Rate |
APY 1 |
Minimum Balance
to Earn APY 1 |
Relationship
Premium Rate 2 |
Relationship
Premium APY 1 |
| 15 Months3 |
2.47% |
2.50% |
$500 |
|
|
| 9 Months4 |
2.23% |
2.25% |
$500 |
|
|
*Rates are subject to approval
1 Annual Percentage Yield.
2 Relationship Premium Rates apply to Term Certificates and IRAs only. Receive a higher dividend based on your total relationship. Checking with Direct Deposit earns an extra 0.10, Hero, Champion, or F@W members earn an extra 0.05% (must have checking with Direct Deposit), a Mortgage product earns an extra 0.05%, an Auto Loan earns an extra 0.05%. Checking without Direct Deposit (open for at least one year) earns an extra 0.05% over our standard rates.
3,4Annual 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.
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.
Account Disclosures
Rates Effective 12/03/18
Personal Checking
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| Account Name |
Dividend Rate |
APY 1 |
Minimum Balance
To Earn APY |
| Champion Checking 2 |
0.050% |
0.05% |
$500
|
| Direct Bonus Checking 2 |
0.050% |
0.05% |
$500 |
| Health Savings Account 3 |
0.100% |
0.10% |
$0 |
| Hero Checking 2 |
0.050% |
0.05% |
$500 |
*Rates are subject to approval
1 Annual percentage yield. Fees could reduce earnings on account.
2 Earn 1% of Direct Deposit up to $10 each month.
3 Must have High Deductible Health Plan with Employer. See Account Disclosure Information .
Personal Savings
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| Account Name |
Dividend
Rate |
APY 1 |
Minimum Balance
To Earn APY |
| Regular Savings |
0.100% |
0.10% |
$100 |
| Club Accounts |
0.050% |
0.05% |
$5.00 |
| Champion Savings 2 |
0.150% |
0.15% |
>= $100 |
| Champion Savings 2 |
0.250% |
0.25% |
>= $1,000 |
| Champion Savings 2 |
0.350% |
0.35% |
$3,000 + |
| Hero Savings 2 |
0.150% |
0.15% |
>= $100 |
| Hero Savings 2 |
0.250% |
0.25% |
>= $1,000 |
| Hero Savings 2 |
0.350% |
0.35% |
$3,000 + |
| Elite Money Market Savings 3 |
0.050% |
0.05% |
< $2,500 |
| Elite Money Market Savings 3 |
0.050% |
0.05% |
>= $2,500 |
| Elite Money Market Savings 3 |
0.100% |
0.10% |
>= $10,000 |
| Elite Money Market Savings 3 |
0.150% |
0.15% |
>= $25,000 |
| Elite Money Market Savings 3 |
0.250% |
0.25% |
>= $50,000 |
| Elite Money Market Savings 3 |
0.300% |
0.30% |
>= $75,000 |
*Rates are subject to approval
1 Annual percentage yield. Fees could reduce earnings on account.
2 Must have Hero/Champion Checking to be eligible for Hero/Champion Savings.
3 Must have checking account with with a direct deposit to be eligible for Elite Money Market Savings. Direct Deposit must be established within 60 days of opening account, we may reduce your dividend and APY on your Elite Choice Money Market Savings. See Account Disclosure Information .
Business Checking
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| 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 |
| Balances less than $1,000 |
0.050% |
0.05% |
n/a |
$1,000 or more but
less than $2,500 |
0.050% |
0.05% |
n/a |
$2,500 or more but
less than $10,000 |
0.050% |
0.05% |
n/a |
$10,000 or more but
less than $25,000 |
0.100% |
0.10% |
n/a |
$25,000 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 but
less than $100,000 |
0.300% |
0.30% |
n/a |
Balances more
than $100,000 |
0.300% |
0.30% |
n/a |
Business Savings
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| Account Name |
Dividend
Rate |
APY 1 |
Minimum Balance
To Earn APY 1 |
| Business Savings |
0.100% |
0.10% |
$100 |
| Business Savings Plus |
| Balances less than $1,000 |
0.050% |
0.05% |
n/a |
$1,000 or more but
less than $2,500 |
0.050% |
0.05% |
n/a |
$2,500 or more but
less than $10,000 |
0.050% |
0.05% |
n/a |
$10,000 or more but
less than $25,000 |
0.100% |
0.10% |
n/a |
$25,000 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 but
less than $100,000 |
0.300% |
0.30% |
n/a |
Balances more than
$100,000 |
0.300% |
0.30% |
n/a |
| Elite Money Market Business |
$2,500 or more but
less than $1,000,000 |
0.250% |
0.25% |
n/a |
Balances more than
$1,000,000 |
0.250% |
0.25% |
n/a |
*Rates are subject to approval
1 Annual Percentage Yield
