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Rates

March 14, 2025

Mortgage Options – Owner-Occupied Residential Properties
Program Rate Points Annual Percentage
Rate (APR)		 Cost per $1000
15 Year Fixed 5.875% 0 6.085% $8.44
30 Year Fixed 6.625% 0 6.756% $6.44
5/1 ARM
(2/5 Caps)
 

5.750%

0

 5.874%

$5.87

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Purchase and No Cash-out Refinance transactions are provided as guidelines or references. The Annual Percentage Rates (APR) listed are based on a 20% down payment and a loan amount of $300,000. Please note that these rates are not guaranteed; your actual rate may vary based on your unique credit history, loan purpose, and other variable market conditions. Not all applicants will qualify, and all loans are subject to underwriting approval. Additional fees may apply. The payment amounts listed do not include taxes and insurance; therefore, your actual payment obligation may be higher.

Programs, rates, terms, and conditions are subject to change without notice. All loans require credit approval, and a minimum credit score of 680 is necessary. Credit Union membership is required, and members must open and maintain a membership account with a minimum deposit of $5.00. As a credit union, we lend within a limited area; please consult your Loan Officer to confirm whether your loan meets membership requirements.

5/1 Adjustable Rate Mortgages are fixed for the first 5 years and then adjust annually thereafter, based on the index, the 1-year Treasury bill, and a margin of 2.75%. The adjustable rates indicated are discounted rates; the fully indexed rate is higher and may increase after closing.

February 28, 2025

New Auto
Term In months APR
as low as*		 Cost Per Thousand
4 Year term 48 Months 6.24% $23.60
5 Year term 60 Months 6.49% $19.56
6 Year term 72 Months 6.74% $16.92
7 Year term 84 Months 6.99% $15.09
Used Auto
Term In months APR
as low as*		 Cost Per Thousand
4 Year term 48 Months 6.49% $23.71
5 Year term 60 Months 6.74% $19.68
6 Year term 72 Months 6.99% $17.04
7 Year term 84 Months 7.24% $15.21

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*APR = Annual Percentage Rate.  Annual Percentage Rate, term, and approved loan amount may vary based on your credit worthiness and is determined once application is approved. **Payment examples based on the maximum term for each product and reflect an excellent credit score. Automatic payment is required to obtain lowest rate. Payments listed do not reflect, GAP, life and disability insurance. Rates and APRs effective February 28, 2025 and are subject to change without notice. Please ask a loan representative for additional details regarding how your rate is determined.

Must be a member of First Priority Credit Union or open and maintain a Share Account with a minimum of $5.00 for approval of any loan. Automobile loans must be titled in Massachusetts and New Hampshire. Other states may be permitted at the discretion of lending management. Financing is based on NADA value for used auto and MSRP for new auto.  Minimum loan amount is $10,000. Other restrictions may apply.

February 28, 2025

Unsecured Personal Loan
Term In Months APR (as low as)* Cost Per Thousand**
1 Year Term 12 Months 10.99% $88.37
2 Year Term 24 Months 12.99% $47.54
3 Year Term 36 Months 13.99% $34.18
4 Year Term 48 Months 14.99% $27.83

*APR = Annual Percentage Rate.  Annual Percentage Rate, term, and approved loan amount may vary based on your credit worthiness and is determined once application is approved. **Payment examples based on the maximum term for each product and reflect an excellent credit score. Automatic payment is required to obtain lowest rate. Payments listed do not reflect, life and disability insurance. Rates and APRs effective February 28, 2025 and are subject to change without notice. Please ask a loan representative for additional details regarding how your rate is determined. Must be a member of First Priority Credit Union for 6 months in order to be eligible for a Personal Loan.

Overdraft Protection Line of Credit
APR (as low as)*
12.99%
 

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*APR = Annual Percentage Rate.  Annual Percentage Rate, term, and approved loan amount may vary based on your credit worthiness and is determined once application is approved. Rates and APRs effective February 28, 2025 and are subject to change without notice. Please ask a loan representative for additional details regarding how your rate is determined. Must be a member of First Priority Credit Union or open and maintain a Share Account with a minimum of $5.00 for approval of any loan.

February 28, 2025

Home Equity Loan
Term Annual Percentage Rate Estimated Cost Per $1000 Maximum Amount
180 Months 7.50% (fixed) $9.27 $250,000
Home Equity Line of Credit
Term Annual Percentage Rate
20 Years 7.00% (Prime - 0.50%)

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Must be member eligible at time of approval and be a member on the day of closing.

Home Equity Loan

Minimum Loan amount of $50,000 applies to this loan. Property Insurance or additional coverage may be required.

Home Equity Line of Credit

The Annual Percentage Rate (APR) quoted is the lowest rate available as of February 28, 2025.  Subject to credit approval.

Annual Percentage Rate (APR) is effective February 28, 2025 and subject to change. Wall Street Journal Prime rate of 7.50% Minus 0.50% = 7.00%. The corresponding APR will never be less than 4.00% or more than 16.00% per annum. 

Advertised rate available for lines of credit between $50,000 and $500,000 on 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less as determined by a valuation acceptable to the lender. 

Hazard insurance is required. Flood insurance may be required. Closing costs are waived, however, if borrower terminates the agreement or a discharge is issued within 36 months from the date of agreement then the borrower will be responsible for the full amount of waived costs of between $1200.00. – $1350.00. Approval for all home equity products is subject to appraisal. Rates are subject to change without notice. Other restrictions may apply. 

February 28, 2025

Account Name Dividend Rate Annual Percentage
Yield (APY)		 Minimum Opening Deposit Minimum Balance to Earn Dividend
Primary Share Account 0.05% 0.05% $5.00 $5.00
Priority Checking Account* 2.50% 2.50% $0.00 none required
Money Market
(New & Existing Money)		 0.20% 0.20% $2500.00 $2500.00
Money Market
(New & Existing Money)		 0.25% 0.25% $2500.00 $20,000.00
Money Market
(New & Existing Money)		 0.30% 0.30% $2500.00 $75,000.00
Money Market
(New & Existing Money)		 0.40% 0.40% $2500.00 $150.000.00
Money Market
(High Yield: New Money Special)		 2.75% 2.75% $2500.00 $200,000.00
Money Market
(High Yield: New Money Special)		 3.00% 3.00% $2500.00 $500,000.00
Secondary Share 0.05% 0.05% $0.00 None Required
IRA Accumulator 0.05% 0.05% $0.00 None Required

*APY = Annual Percentage Yield. Rates may change without notice after the account is open. Fees could reduce earnings on accounts.

Share Account: A Share Account with a $5.00 minimum balance must be opened and maintained before opening any other FPCU Account.

Priority Checking Account

As of February 28, 2025, Priority Checking Account earns an Annual Percentage Yield of 2.50% on balances between $0.01 – $10,000. The following requirements must be met each statement cycle to earn interest: Have, (1) Direct deposits totaling $500 or more (2) 12 Debit transactions, and (3) EITHER a Bill Payment OR an online banking transfer. Accounts that do not meet these requirements on a specific statement cycle will not earn interest for that statement period. Balances over $10,000 will not earn interest.  Fees could reduce earnings. Rates are subject to change.

March 11, 2025

Share/IRA Certificates
Term in Months Dividend Rate Annual Percentage Yield Minimum Balance (to Open & Earn Dividend)
3 months 0.15% 0.15% $1000
5 months 3.93% 4.00% $1000
6 months 0.25% 0.25% $1000
7 months 3.69% 3.75% $1000
9 months 0.25% 0.25% $1000
12 months 3.44% 3.50% $1000
15 months 0.40% 0.40% $1000
18 months 2.96% 3.00% $1000
24 months 2.71% 2.75% $1000
30 months 2.96% 3.00% $1000
36 months 1.49% 1.50% $1000
48 months 1.49% 1.50% $1000
60 months 1.49% 1.50% $1000

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*APY = Annual Percentage Yield.  Early withdrawal penalties may apply. Any changes to certificates must be made on or within 10 days of the maturity date. Fees could reduce earnings on the account.

*SPECIAL* Rate effective as of March 11, 2025. Rates are subject to change without notice.  Minimum deposit to open Share Certificate and earn advertised APY is $1000.  Penalty for early withdrawal will apply and may reduce earnings. Must have or open a Share Account with FPCU and maintain a minimum balance of $5.00. Maximum deposit of $500,000.

Must be a member of First Priority Credit Union or open and maintain a Share Account with a minimum of $5.00 to open a Share/IRA Certificate.