Rates

Rates Effective 7/21/17

Conforming Fixed

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Rate Points APR Minimum Down
Payment
Estimated Payment
Per $1,000
30 Year Fixed
3.875% 0 3.937% 5% $4.70
20 Year Fixed
3.500% 0 3.585% 5% $5.80
15 Year Fixed
3.125% 0 3.161% 5% $6.97
10 Year Fixed
2.875% 0 2.927% 5% $9.60

All APRs based on $180,000 loan amount with 20% down. For example, a mortgage loan of $180,000 with annual interest rate of 4% for a 30 year term would be $859.35. Payment does not include real estate taxes or mortgage insurance. Payment may be higher.


Jumbo Fixed Rate Mortgage

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Rate Points APR Minimum Down
Payment
Estimated Payment
Per $1,000
30 Year Fixed 3.875% 0 3.937% n/a
$4.70
15 Year Fixed
3.125% 0 3.161% n/a $6.97
*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.


Mass Housing

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Rate Points APR Minimum Down
Payment 		Estimated Payment
Per $1,000
30 Year Term
Fixed Rate 		4.125% 0 4.236% 3% $4.85
30 year Term
Fixed Rate (MIF Municipal Program
& Home for the Brave) 		4.125% 0 4.236% 3% $4.85
30 Year Term
Fixed Rate (Buy Cities) 		4.125% 0 4.157% 3% $4.85

Call our Mortgage Lenders for other MassHousing Specials. Annual Percentage Rate (APR) based on $180,000 loan amount with 20% down payment.


Fixed Home Equity Loans

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Term APR Min/Max
Amounts 		Estimated
Payment
Per $1,000
LTV 80 % <

1-7 Years

4.250%

$5,000 min

$13.78

LTV 80% <

8-10 Years

4.500%

$5,000 min

$10.36

LTV 80% < 

11-15 Years

4.750%

$5,000 min

$7.78

Home Equity Line of Credit

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APR
Min/Max 
Amounts

10-20 Years 

4.250 % $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. Subject to credit approval. Property insurance required. Offer subject to change without notice. For more Disclosure Information Click Here .


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Rate Points APR Minimum
Down
Payment 		Term Estimated
Payment
Per $1,000
90% No MI 4.500% 0 4.535% 10% 30 Years $5.07
MHP One 3.660% 0 3.689% 3% 30 Years $4.58
Hero/Champion/
First@Work Mortgage 		3.875% 0 3.937% 5% 30 Years $4.70
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Disclosure Information

Rates Effective 6/22/17

Vehicles

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New & Used
Vehicles/Motorcycles 1,3
Term
APR 2
As Low As
Min/Max
Amounts
Estimated Payment
Per $1,000
2015 - 2017
 63 months
3.64% Disclosure
$17.49
2015 - 2017
 66 months
4.14%
Disclosure
$17.00
2015 - 2017 
 72 months
4.24% Disclosure
$15.79
2014 
 63 months
3.99% Disclosure
$17.65
2014
 66 months
4.39% Disclosure
$17.00
2014 
 72 months
4.39% Disclosure
$15.86
2013 
 63 months
4.09% Disclosure
$17.70
2013 
 66 months
4.29% Disclosure
$17.07
2013 
 72 months
4.59% Disclosure
$15.95
2012 
 60 months
4.09% Disclosure
$18.49
2011 
 60 months
4.44% Disclosure
$18.66
2009 - 2010
 48 months
4.99% Disclosure
$22.82
New Recreational
Vehicles 2016/2017 1,3
60 months
7.24% Disclosure
$19.98

Personal Unsecured Loans 1

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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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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

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 7/17/17

Term Certificates & IRAs

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Dividend
Rate 		APY 1 Minimum Balance
to Earn APY 1 		Relationship
Premium Rate 2 		Relationship
Premium APY 1
3 Months 0.15 % 0.15 % $500 0.40% 0.40%
6 Months 0.20 % 0.20 % $500 0.45% 0.45%
1 Year 0.45 % 0.45 % $500
0.70% 0.70%
18 Months0.250%0.25%$5000.500%0.500%
2 year0.500%0.50%$5000.750%0.75%
3 Years 0.75 % 0.75 % $500 1.00% 1.00%
4 Years 1.00 % 1.00 % $500
1.24% 1.25%
5 Year 1.09 % 1.10 % $500 1.34% 1.35%






Look Closer




11 Months 3 1.340% 1.35% $500






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  Relationship Premium rates not eligible for this rate. Funds for this term certificate must be transferred from another financial institution. Upon maturity this CD/IRA will renew to a 6 month CD/IRA is Penalty Free."One Time" withdrawal at no penalty. 4 Premium rates not eligible for this rate. IRA only, Term Certificates do not apply.

If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only). A penalty may be assessed for withdrawals exceeding 50% of the balance or for early withdrawal. 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 7/17/17

Personal Checking

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Dividend Rate

APY  1

Minimum Balance
To Earn APY
Champion Checking 2
0.05% 0.05% $500
Direct Bonus Checking 2
0.05% 0.05% $500
Health Savings Account 3
0.10% 0.10% $0
Hero Checking 2
0.05% 0.05% $500




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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Dividend
Rate 		APY 1
Minimum Balance
To Earn APY
Regular Savings 0.10% 0.10% $100
Club Accounts
0.05% 0.05% $5.00
Champion Savings 2 0.15% 0.15% > = $100
Champion Savings 2 0.25% 0.25% > = $1,000
Champion Savings 2
0.35% 0.35% $3,000 +
Hero Savings 2 0.15% 0.15% > = $100
Hero Savings 2 0.25% 0.25% > = $1,000
Hero Savings 2
0.35% 0.35% $3,000 +
Elite Money 3
Market Savings
0.05% 0.05% < $2,500
Elite Money 3
Market Savings 		0.05% 0.05% > = $2,500
Elite Money 3
Market Savings
0.10% 0.10% > = $10,000
Elite Money 3
Market Savings
0.15% 0.15% > = $25,000
Elite Money 3
Market Savings
0.25% 0.25% > = $50,000
Elite Money 3
Market Savings
0.30% 0.30% > = $75,000

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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Dividend
Rate 		APY 1
Minimum Balance
To Earn APY 1
Free Business Checking 0.05% 0.05% $5,000
Business Checking Plus
0.05% 0.05% $1,000
High Yield Business Checking



Balances less than $1,000
0.05% 0.05% n/a
$1,000 or more but
less than $2,500
0.05% 0.05% n/a
$2,500 or more but
less than $10,000
0.05% 0.05% n/a
$10,000 or more but
less than $25,000
0.10% 0.10% n/a
$25,000 or more but
less than $50,000
0.10% 0.10% n/a
$50,000 or more but
less than $75,000
0.20% 0.20% n/a
$75,000 or more but
less than $100,000
0.30% 0.30% n/a
Balances more
than $100,000
0.30% 0.30% n/a

Business Savings

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Dividend
Rate
APY 1
Minimum Balance
To Earn APY 1
Business Savings
0.10% 0.10% $100
Business Savings Plus
Balances less than $1,000
0.05%
0.05%
n/a
$1,000 or more but
less than $2,500
0.05% 0.05% n/a
$2,500 or more but
less than $10,000
0.5% 0.5% n/a
$10,000 or more but
less than $25,000
0.10% 0.10% n/a
$25,000 or more but
less than $50,000
0.10% 0.10% n/a
$50,000 or more but
less than $75,000
0.20% 0.20% n/a
$75,000 or more but
less than $100,000
0.30% 0.30% n/a
Balances more than
$100,000
0.30% 0.30% n/a




Elite Money Market
Business


$2,500 or more but 
less than $1,000,000		 0.25% 0.25% n/a
Balances more than
$1,000,000		 0.25% 0.25% n/a
1 Annual Percentage Yield