First Citizens’ Federal Credit Union Mortgage Rates

First Citizens' Federal Credit Union based in Massachusetts is offering some of the lowest mortgage rates today from any bank or credit union in MA. First Citizens' Federal Credit Union is advertising many different types of mortgage loans and rates. First Citizens' Federal Credit Union is also advertising home equity loans and home equity lines of credit.

Current mortgage rates on 30 year conforming loans are advertised at 3.375 percent with 2 mortgage points. That rate is lower than the current national average 30 year mortgage rate of 3.61 percent. That rate is also competitive with refinance rates available.




The credit union is also advertising two other 30 year mortgage rates and point combinations. 30 year rates are also available at 3.50 percent with 1 mortgage point and 3.265 percent with zero mortgage points. You can find current refinance rates as low as 3.25 percent.

Another good feature about the mortgage loans offered by this credit union is the minimum down payment is only 5 percent. There are many lenders these days that won't give any loans without a 20 percent down payment to buy a home.

Mortgage Rates First Citizens' Federal Credit Union


First Citizens' FCU Fixed Mortgage Rates



  • 30 Year Fixed Rates 3.38% Points 2 APR 3.60%

  • 30 Year Fixed Rates 3.50% Points 1 APR 3.64%

  • 30 Year Fixed Rates 3.63% Points 0 APR 3.69%

  • 20 Year Fixed Rates 3.25% Points 2 APR 3.56%

  • 20 Year Fixed Rates 3.38% Points 1 APR 3.575% 

  • 20 Year Fixed Rates 3.50% Points 0 APR 3.59%

  • 15 Year Fixed Rates 2.75% Points 2 APR 3.15%

  • 15 Year Fixed Rates 2.88% Points 1 APR 3.13%

  • 15 Year Fixed Rates 3.00% Points 0 APR 3.11%

  • 10 Year Fixed Rates 2.75% Points 2 APR 3.335%

  • 10 Year Fixed Rates 2.88% Points 1 APR 3.25%

  • 10 Year Fixed Rates 3.00% Points 0 APR 3.16%


First Citizens' FCU Adjustable Mortgage Rates



  • 10-30 Year Term - 5/1 ARM Rate 3.75% Points 0 APR 3.79%

  • 10-30 Year Term - 3/3 ARM Rate 3.50% Points 0 APR 3.85%

  • 30 Year Term - Fixed Rate (DU REFI Plus) Rate 4.13% Points 0 APR 4.18%


For a list of today's mortgage rates, current home equity line of credit rates, home equity rates and to apply for a home mortgage go to the credit union's website here: First Citizens' FCU Mortgage Rates
 
 
Author: Jason P. Jones
August 11th, 2012