Rates

Deposit Rates

Enter a Zip Code

Example: 16933

Loan Rates

Enter a Zip Code

Example: 16933

The zip code you have submitted is not currently part of the First Citizens Community Bank service area. Should you have any questions, please contact us here.

View Deposit Rates

*APY = Annual Percentage Yield

All (personal and business) loan and deposit rates are effective from 12/28/2016 thru 01/03/2017.

Loans Rates

Mortgages

TypeRateAPRTypical Monthly Payment
FHA Mortgage

15 Yr Fixed - 0 Points

3.500%4.586%$784.35
FHA Mortgage

30 Yr Fixed - 0 Points

3.875%4.945%$548.72
VA Mortgage

15 Yr Fixed - 0 Points

3.625%4.104%$744.83
VA Mortgage

30 Yr Fixed - 0 Points

3.990%4.262%$492.57
USDA Loan

30 Yr Fixed - 0 Points

4.150%4.596%$520.24
20-Year Fixed Non-Conforming Mortgage Special14.875% 4.990% $653.07
Conforming Mortgage

15 Yr Fixed - 0 Points

3.500%3.567%$714.88
Conforming Mortgage

15 Yr Fixed - 1 Point

3.250%3.463% $702.67
Conforming Mortgage

20 Yr Fixed - 0 Points

4.000%4.053% $619.23
Conforming Mortgage

20 Yr Fixed - 1 Point

3.750%3.920% $605.98
Conforming Mortgage

30 Yr Fixed - 0 Points

4.250% 4.289% $506.69
Conforming Mortgage

30 Yr Fixed - 1 Point

4.125% 4.250% $499.29
Non-Conforming Mortgage

15 Yr Fixed - 0 Points

5.240% 5.310% $803.35
Non-Conforming Mortgage

15 Yr Fixed - 1 Point

4.990% 5.214% $790.27
Non-Conforming Mortgage

20 Yr Fixed - 0 Points

6.000% 6.057% $716.43
Non-Conforming Mortgage

20 Yr Fixed - 1 Point

5.750% 5.931% $702.08
Non-Conforming Mortgage

25 Yr Fixed - 0 Points

6.500% 6.550% $675.21
Non-Conforming Mortgage

25 Yr Fixed - 1 Point

6.250%6.407% $659.67

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. FreddieMac qualified.

Home Equity

TypeRateAPRTypical Monthly Payment
Home Equity Line of Credit15.250%5.295%$218.75
5 YR Home Equity Installment Loan2

Minimum loan $35,000

4.25%4.359%$926.48
10 YR Home Equity Installment Loan44.250%4.307%$512.19
15 YR Home Equity Installment Loan44.990%5.031%$395.14

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 Loan must be written for $25,000 new money to qualify. Payment example is based on a $50,000 loan. 2, 4 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 with automatic deduction from a FCCB deposit account. APRs without automatic payment service are .50% higher. 4 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 Months14.490%4.6462%$573.91
New Car - 66 Months14.750%4.8868%$434.38
Used Car - 2015 - 60 Months25.990%6.2624%$194.55
Used Car - 2014 and 2013 - 54 Months25.990%6.2815%$213.07
Used Car - 2012 - 42 Months27.900%8.2953%$275.15
Used Car - 2011 - 30 Months27.900%8.3989%$371.71
Used Car - 2010 - 24 Months27.900%8.4875%$454.50
Used Car 2009 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

View Deposit Rates

*APY = Annual Percentage Yield

All (personal and business) loan and deposit rates are effective from 12/28/2016 thru 01/03/2017.

Loans Rates

Mortgages

TypeRateAPRTypical Monthly Payment
FHA Mortgage

15 Yr Fixed - 0 Points

3.500%4.586%$784.35
FHA Mortgage

30 Yr Fixed - 0 Points

3.875%4.945%$548.72
VA Mortgage

15 Yr Fixed - 0 Points

3.625%4.104%$744.83
VA Mortgage

30 Yr Fixed - 0 Points

3.990%4.262%$492.57
USDA Loan

30 Yr Fixed - 0 Points

4.150%4.596%$520.24
20-Year Fixed Non-Conforming Mortgage Special14.875% 4.990% $653.07
Conforming Mortgage

15 Yr Fixed - 0 Points

3.500%3.567%$714.88
Conforming Mortgage

15 Yr Fixed - 1 Point

3.250%3.463% $702.67
Conforming Mortgage

20 Yr Fixed - 0 Points

4.000%4.053% $619.23
Conforming Mortgage

20 Yr Fixed - 1 Point

3.750%3.920% $605.98
Conforming Mortgage

30 Yr Fixed - 0 Points

4.250% 4.289% $506.69
Conforming Mortgage

30 Yr Fixed - 1 Point

4.125% 4.250 $499.29
Non-Conforming Mortgage

15 Yr Fixed - 0 Points

5.240% 5.310% $803.35
Non-Conforming Mortgage

15 Yr Fixed - 1 Point

4.990% 5.214% $790.27
Non-Conforming Mortgage

20 Yr Fixed - 0 Points

6.000% 6.057% $716.43
Non-Conforming Mortgage

20 Yr Fixed - 1 Point

5.750% 5.931% $702.08
Non-Conforming Mortgage

25 Yr Fixed - 0 Points

6.500% 6.550% $675.21
Non-Conforming Mortgage

25 Yr Fixed - 1 Point

6.250%6.407% $659.67

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. FreddieMac qualified.

Home Equity

TypeRateAPRTypical Monthly Payment
Home Equity Line of Credit15.250%5.295%$218.75
5 YR Home Equity Installment Loan2

Minimum Loan $35,000

4.25%4.359%$926.48
10 YR Home Equity Installment Loan44.750%4.808%$524.24
15 YR Home Equity Installment Loan45.750%5.792%$415.21

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 Loan must be written for $35,000 new money to qualify. Payment example is based on a $50,000 loan. 2, 4 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 with automatic deduction from a FCCB deposit account. APRs without automatic payment service are .50% higher. 4 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 Months14.490%4.6462%$573.91
New Car - 66 Months14.750%4.8868%$434.38
Used Car - 2015 - 60 Months25.990%6.2624%$194.55
Used Car - 2014 and 2013 - 54 Months25.990%6.2815%$213.07
Used Car - 2012 - 42 Months27.900%8.2953%$275.15
Used Car - 2011 - 30 Months27.900%8.3989%$371.71
Used Car - 2010 - 24 Months27.900%8.4875%$454.50
Used Car 2009 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

View Deposit Rates

*APY = Annual Percentage Yield

All (personal and business) loan and deposit rates are effective from 12/28/2016 thru 01/03/2017.

Loans Rates

Mortgages

TypeRateAPRTypical Monthly Payment
FHA Mortgage

15 Yr Fixed - 0 Points

3.500%4.586%$784.35
FHA Mortgage

30 Yr Fixed - 0 Points

3.875%4.945%$548.72
VA Mortgage

15 Yr Fixed - 0 Points

3.625%4.104%$744.83
VA Mortgage

30 Yr Fixed - 0 Points

3.990%4.262%$492.57
USDA Loan

30 Yr Fixed - 0 Points

4.150%4.596%$520.24
20-Year Fixed Non-Conforming Mortgage Special14.875% 4.990% $653.07
Conforming Mortgage

15 Yr Fixed - 0 Points

3.500%3.567%$714.88
Conforming Mortgage

15 Yr Fixed - 1 Point

3.250%3.463% $702.67
Conforming Mortgage

20 Yr Fixed - 0 Points

4.000%4.053% $619.23
Conforming Mortgage

20 Yr Fixed - 1 Point

3.750%3.920% $605.98
Conforming Mortgage

30 Yr Fixed - 0 Points

4.250% 4.289% $506.69
Conforming Mortgage

30 Yr Fixed - 1 Point

4.125% 4.250% $499.29
Non-Conforming Mortgage

15 Yr Fixed - 0 Points

5.240% 5.310% $803.35
Non-Conforming Mortgage

15 Yr Fixed - 1 Point

4.990% 5.214% $790.27
Non-Conforming Mortgage

20 Yr Fixed - 0 Points

6.000% 6.057% $716.43
Non-Conforming Mortgage

20 Yr Fixed - 1 Point

5.750% 5.931% $702.08
Non-Conforming Mortgage

25 Yr Fixed - 0 Points

6.500% 6.550% $675.21
Non-Conforming Mortgage

25 Yr Fixed - 1 Point

6.250%6.407% $659.67

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. FreddieMac qualified.

Home Equity

TypeRateAPRTypical Monthly Payment
Home Equity Line of Credit15.250%5.295%$218.75
5 YR Home Equity Installment Loan24.25%4.359%$926.48
10 YR Home Equity Installment Loan24.750%4.808%$524.24
15 YR Home Equity Installment Loan25.750%5.792%$415.21

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 .50% 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 Months14.490%4.6462%$573.91
New Car - 66 Months14.750%4.8868%$434.38
Used Car - 2015 - 60 Months25.990%6.2624%$194.55
Used Car - 2014 and 2013 - 54 Months25.990%6.2815%$213.07
Used Car - 2012 - 42 Months27.900%8.2953%$275.15
Used Car - 2011 - 30 Months27.900%8.3989%$371.71
Used Car - 2010 - 24 Months27.900%8.4875%$454.50
Used Car 2009 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