Rates | First Citizens Federal Credit Union

Mortgage Rates

Rates Effective 6/1/24

Conforming Fixed

Term	Rate	APR	Minimum Down Payment	Estimated Payment Per $1,000
30-Year Fixed	6.500%	6.645%	5%	$6.32
20-Year Fixed	6.500%	6.690%	5%	$7.46
15-Year Fixed	6.500%	6.738%	5%	$8.71
10-Year Fixed	6.500%	6.835%	5%	$11.35

^{*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	6.500%	7.134%	$14.85
LTV 80% <	8-10 Years	6.500%	7.001%	$11.35
LTV 80% <	11-15 Years	6.500%	6.828%	$8.71
LTV 80% <	16-20 Years	6.500%	6.762%	$7.46

^{*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	6.500%

^{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.}

Term Certificates

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 This is a limited time offer and may be withdrawn at any time.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.}

Savings & Checking

Personal Checking

Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY
Champion Checking ²	0.050%	0.05%	$500
Health Savings Account ³	0.050%	0.05%	$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 May earn $10 each month by conducting, at minimum, 15 point-of-sale debit card purchases (this excludes transactions conducted at an ATM) and maintain a $1000.00 daily balance in a qualifying savings account in order to receive your monthly Bonus Dividend.}
^{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
Regular Savings	0.050%	0.05%	$100
Youth Savings	0.150%	0.15%	$100
Champion Savings ²
$100.00 or more but less than $3,000.00	0.050%	0.05%	n/a
$3,000.00 or more	0.150%	0.15%	n/a
Hero Savings ²
$100.00 or more but less than $3,000.00	0.050%	0.05%	n/a
$3,000.00 or more	0.150%	0.15%	n/a
Elite Money Market Savings ³
$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.}
^{2 Must have Hero/Champion Checking to be eligible for Hero/Champion Savings. See Account Disclosures for more.}

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}