Skip to main content

Rates

September 22, 2026

Mortgage Options – Owner-Occupied Residential Properties
Program Rate Points Annual Percentage
Rate (APR)		 Cost per $1000
15 Year Fixed 6.125% 0 6.271%

$8.51
30 Year Fixed 6.875% 0 6.973% $6.57

5/1 ARM*
(2/5 Caps)

6.00%

0

 6.540%

$6.00

5/1 ARM

(Fully Indexed)

 6.625% 0  6.540% $6.36

Important payment disclosure: Payments shown are principal and interest only and do not include property taxes or applicable homeowners, flood, or mortgage insurance premiums. Your actual monthly payment obligation will be greater. 

Apply Now

Purchase and No Cash-out Refinance transactions are provided as guidelines or references. The Annual Percentage Rates (APR) listed are based on a 80% LTV and a loan amount of $500,000. 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. 

Programs, rates, terms, and conditions are subject to change without notice. All loans require credit approval, and a minimum credit score of 720 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.

The 5/1 Adjustable-Rate Mortgage has a fixed initial interest rate for the first 60 months. Beginning with month 61, the interest rate and payment may adjust annually. The fully indexed rate shown is based on the reasonably current applicable 1-year Treasury index plus a margin of 2.75%. The fully indexed rate and corresponding payment are examples based on the index in effect as of September 9, 2026. The actual rate and payment at adjustment may be higher or lower, subject to applicable adjustment and lifetime caps. The interest rate, annual percentage rate, and monthly payment may increase after consummation (closing).

*Maintaining a deposit relationship of $25,000 and an automatic payment from an FPCU account will provide a .025% discount on the interest rate.

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

Apply Now

*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%
 

Apply Now

*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 10th, 2026

Home Equity Loan
Term Annual Percentage Rate Estimated Cost Per $1000 Maximum Amount
180 Months 6.25% (fixed) $8.57 $250,000
Home Equity Line of Credit
Term Annual Percentage Rate
20 Years 6.25% (Prime - 0.50%)

Apply Now

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 10th, 2026.  Subject to credit approval.

Annual Percentage Rate (APR) is effective February 10th, 2026 and subject to change. Wall Street Journal Prime rate of 6.75% Minus 0.50% = 6.25%. 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 $250,000 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. 

September 18, 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* 2.47% 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)		 2.50% 2.53% $2500.00 $200,000.00
Money Market
(High Yield: New Money Special)		 2.75% 2.79% $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.

September 8, 2026

Share/IRA Certificates
Term in Months Dividend Rate Annual Percentage Yield Minimum Balance (to Open & Earn Dividend)
3 months 0.15% 0.15% $500
5 months 3.25% 3.30% $500
6 months 3.50% 3.56% $500

6 months

(New Money Special)
 3.93% 4.00% $500
7 months 3.50% 3.56% $500
9 months 0.25% 0.25% $500
12 months 3.50% 3.56% $500

12 months

(New Money special)
 3.93% 4.00% $500
15 months 0.40% 0.40% $500
18 months 3.25% 3.30% $500
24 months 2.75% 2.79% $500

24 months

(New Money Special)
 2.93% 3.00% $500
30 months 2.96% 3.00% $500
36 months 1.49% 1.50% $500
48 months 1.49% 1.50% $500
60 months 1.49% 1.50% $500

Learn More

*APY = Annual Percentage Yield.  Early withdrawal penalties may apply. Any changes to certificates must be made on or within 5 days of the maturity date. Fees could reduce earnings on the account.

*SPECIAL* Rate effective as of September 8, 2026. Rates are subject to change without notice.  Minimum deposit to open Share Certificate and earn advertised APY is $500.  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.