Personal Rates

View Business Rates

APY = Annual Percentage Yield

All (personal and business) loan and deposit rates are effective from 04/16/2014 thru 04/21/2014.

Checking

Vantage Checking*

BalanceRateAPY
$0.01 - $25,0001.00%1.00%
Greater than $25,0000.25%1.00% - 0.40%
If qualifications not met0.01%0.01%

Qualifications for Vantage Checking

In order to receive the Vantage Rewards, simply do the following each monthly qualification cycle:

  • Be enrolled and receive eStatement notice
  • Have one direct deposit or automatic payment (ACH) post and settle
  • Have at least 12 debit card purchases post and settle

Other Checking Accounts

AccountBalance Required to Earn InterestRateAPY
Relationship Checking$1,0000.05%0.05%
55 and Better Checking$10.05%0.05%

Interest compounded each monthly qualification cycle

These rates may change after the account is opened. Fees could reduce earnings on these accounts

Savings

Health Savings Account

BalanceRateAPY
Less than $1,0000.05%0.05%
$1,000 - $10,0000.10%0.10%
Greater than $10,0000.15%0.15%

Health Savings Account includes tiered rate structures that provide the opportunity to earn more as your balance grows.

Statement Savings

BalanceOpening DepositRateAPY
$2001$250.05%0.05%
$10,000$250.100%0.100%
$100,000$250.15%0.15%

Interest is compounded quarterly on the Statement Savings. Fees could reduce earnings on these accounts.

1 This minimum balance is waived for minors under the age of 18.

Money Market Investor

BalanceOpening DepositRateAPY
$0 - $4,999.99$2,5000.05%0.05%
$5,000$2,5000.05%0.05%
$10,000$2,5000.10%0.10%
$50,000$2,5000.10%0.10%
$100,000$2,5000.10%0.10%

Interest is compounded monthly on the Money Market Investor. Fees could reduce earnings on these accounts.

Money Market Flex Account

BalanceRateAPY
$0 - $10,0000.05%0.05%
$10,000 - $25,0000.15%0.15%
$25,000 - $50,0000.25%0.25%
$50,000 - $100,0000.45%0.45%
$100,000 - $250,0000.70%0.70%
$250,000 - $500,0000.75%0.75%
Over $500,0000.80%0.80%

This fund is exclusively for proceeds from natural energy resources; i.e. windmill and gas lease and royalty payments.

Certificates of Deposit (CDs)

TypeOpening Deposit / Balance Required1RateAPYOpening Deposit / Balance Required1RateAPY
12-month Easy-Access CD2$5,0000.15%0.15%$100,0000.20%0.20%
30-Month Breakable CD3$5,0000.45%0.45%$100,0000.55%0.55%
1 Month$5000.10%0.10%$100,0000.15%0.15%
3 Month$5000.15%0.15%$100,0000.20%0.20%
6 Month$5000.25%0.25%$100,0000.35%0.35%
1 Year$5000.20%0.20%$100,0000.30%0.30%
2 Year$5000.30%0.30%$100,0000.50%0.50%
36 to 47 Month CD$5000.60%0.60%$100,0000.75%0.75%
48 to 59 Month CD$5001.10%1.10%$100,0001.25%1.26%
5 Year$5001.50%1.51%$100,0001.60%1.61%
66 Month$5001.60%1.61%$100,0001.75%1.76%
72 Month 4$10,0002.00%2.02%$100,0002.25%2.27%
  • Combined CD and IRAs of $250,000 or more earn bonus rates.
  • Interest is compounded quarterly on all Certificates of Deposit.
  • The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • A penalty may be imposed for early withdrawal.

1 The minimum amount to open and obtain the APY.

2 Easy Access CD allows for one penalty free withdrawal per quarter and unlimited deposits of $500 or more

3 Before 12 months, a penalty may be imposed.

4 Checking account is required. There is NO BONUS on rates.

Individual Retirement Accounts (IRAs)

TypeOpening Deposit / Balance Required1RateAPYOpening Deposit / Balance Required1RateAPY
Variable Rate

12 Month

$250.15%0.15%$100,0000.20%0.20%
Fixed Rate

6 < 12 Months

$2500.20%0.20%$100,0000.30%0.30%
Fixed Rate

1 < 3 Years

$2500.40%0.40%$100,0000.50%0.50%
36 Month Variable IRA

(No Bonus)

$1,0000.30%0.30%$100,0000.50%0.50%
Fixed Rate

30 Month

$2500.40%0.40%$100,0000.60%0.60%
Fixed Rate

36 to 47 Month

$2500.60%0.60%$100,0000.75%0.75%
Fixed Rate

48 to 59 Month

$2501.10%1.10%$100,0001.25%1.25%
Fixed Rate

5 Year

$2501.50%1.50%$100,0001.60%1.60%
Fixed Rate

72 Month2

$10,0002.00%2.00%$100,0002.25%2.25%
  • Combined CDs and IRAs of $250,000 or more earn bonus rates.
  • Interest is compounded annually.
  • IRAs are insured separately up to $250,000 from other deposits.
  • The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • A penalty may be imposed for early withdrawal.
  • The rate on the 12 Month Variable IRA may change after the account is opened

1 The minimum amount to open and obtain the APY.

2 Checking account is required. There is NO BONUS on rates.

Loans

Mortgages

TypeRateAPRTypical Monthly Payment
FHA Mortgage

15 Yr Fixed - 0 Points

3.260%4.343%$772.40
FHA Mortgage

30 Yr Fixed - 0 Points

3.760%5.330%$583.36
VA Mortgage

15 Yr Fixed - 0 Points

3.260%3.734%$726.36
VA Mortgage

30 Yr Fixed - 0 Points

3.875%4.145%$485.75
20-Year Fixed Non-Conforming Mortgage Special15.250% 5.336% $673.84
Conforming Mortgage

15 Yr Fixed - 0 Points

3.250%3.281%$702.67
Conforming Mortgage

15 Yr Fixed - 1 Point

3.125%3.301% $696.61
Conforming Mortgage

20 Yr Fixed - 0 Points

4.000%4.025% $619.23
Conforming Mortgage

20 Yr Fixed - 1 Point

3.875%4.016% $612.59
Conforming Mortgage

30 Yr Fixed - 0 Points

4.250% 4.268% $506.69
Conforming Mortgage

30 Yr Fixed - 1 Point

4.125% 4.229% $499.29
Non-Conforming Mortgage

15 Yr Fixed - 0 Points

6.240% 6.273% $856.88
Non-Conforming Mortgage

15 Yr Fixed - 1 Point

5.990% 6.181% $843.32
Non-Conforming Mortgage

20 Yr Fixed - 0 Points

7.000% 7.027% $775.30
Non-Conforming Mortgage

20 Yr Fixed - 1 Point

6.750% 6.906% $760.36
Non-Conforming Mortgage

25 Yr Fixed - 0 Points

7.500% 7.526% $739.14
Non-Conforming Mortgage

25 Yr Fixed - 1 Point

7.250%7.389% $722.95

APR=Annual Percentage Rate

The Principal and Interest (P&I) payments shown above do not include taxes and insurance. Your payment will be higher. The APR calculation and the P&I amounts are both based on a loan amount of $100,000 for the purchase of a primary residence in Pennsylvania with 75% Loan-to-value (LTV) for conforming mortgages and 80% Loan-to-value (LTV) for non-conforming, VA and FHA loans. Two and Three-Point Conforming and Non-Conforming Mortgages are also available. Adjustable rate mortgages also available.

1 To receive this rate, the customer must pay a fee of $500, borrow a minimum of $50,000 and have a credit score of 700 or higher.

Home Equity

TypeRateAPRTypical Monthly Payment
Home Equity Line of Credit15.000%5.069%$630.00
5 YR Home Equity Installment Loan23.990%4.019%$920.67
10 YR Home Equity Installment Loan24.990%5.005%$530.99
15 YR Home Equity Installment Loan25.250%5.261%$402.62

The Principal and Interest (P&I) payment shown above does not include taxes and insurance. Your payment will be higher.

1 Home Equity Line of Credit terms: 5.069% APR, the rate will vary based on the Wall Street Journal prime rate published the last business day of the previous month plus one and a half percentage point (currently 5.069%.) Maximum APR is 18%. The sample payment is based upon a $50,000 line that is wholly advanced.

2 This product is a fixed rate, closed-end loan secured by your primary residence and not exceeding an 80% loan-to-value ratio. Property insurance, 1st lien position, and a credit score of 725 are required. Rates apply to new Home Equity loans of $10,000 or more with automatic deduction from a FCCB deposit account. APRs without automatic payment service are .375% higher. The APRs and monthly payments are based on a $50,000 loan. Loan assumes $10,000 new money and automatic payment to qualify for these rates. Rates subject to credit approval. Other rates and terms available.

Auto Loans

TypeRateAPRTypical Monthly Payment
New Car - 48 Months14.750%4.9087%$574.70
New Car - 66 Months14.990%5.1289%$435.53
Used Car - 2013 - 60 Months25.990%6.2624%$194.55
Used Car - 2012 and 2011 - 54 Months25.990%6.2815%$213.07
Used Car - 2010 - 42 Months27.900%8.2953%$275.15
Used Car - 2009 - 30 Months27.900%8.3989%$371.71
Used Car - 2008 - 24 Months27.900%8.4875%$454.50
Used Car 2007 and Older - 18 Months210.500%11.2845%$606.50

Rates assume an automatic payment from a First Citizens account. Customer may qualify for an additional interest rate reduction on installment loans with a loan-to-value ratio of 50% or less. Minimum loan amount is $5,000 and 5-year maximum term. APR = Annual Percentage Rate. Other rates and terms available Please call for more information.

1 The APR and payment amount are based upon a new car loan of $25,000.

2 The APR and payment amount are based upon a used car loan of $10,000.

Personal Loans

TypeRateAPRTypical Monthly Payment
>$5,000 - 60 Months8.900%9.2341%$208.72
>$5,000 - 84 Months9.900%10.1994%$167.04
>$5,000 - 120 Months10.500%10.7700%$136.45
>$5,000 - 144 Months10.750%11.0092%$125.41

Rates assume an automatic payment from a First Citizens checking account. Customers may qualify for an additional interest rate reduction on installment loans with a loan-to-value ratio of 50% or less. Minimum loan amount for this discount is $5,000 and a 5-year maximum term.

The APR calculations and the payment amounts are based upon a personal loan of $10,000. Other rates and terms available, please call for more information.APR=Annual Percentage Rate