Skip to Main Content Skip to Sitemap
librarian image
 Let me assist you. Enter keyword to get started.
Manage your accounts at-a-glance 24/7 with FREE Online Banking!'

Purchase a new home or refinance your existing home loan. We offer first mortgages that have low, competitive rates that can save you money!

  • No points, No fees—enjoy savings of over $1,7001
  • Down payment options as low as 3%2
  • Very competitive rates—historically low so check rates daily
  • Convenient purchase and refinance options with wallet-friendly terms
  • Expert guidance throughout the entire process
  • And much more!

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice. Other restrictions may apply. Call for complete details.
1Waived settlement fees: appraisal; recording; flood certificate; credit report; loan documents; escrow and sub-escrow; title lender policy and tie-in; messenger; wire; tax service, notary; termite inspection. The maximum waived settlement costs will not exceed $10,000. Fees not waived: pre-paid costs such as interest; taxes; mortgage insurance premiums; HOA (Home Owners Association) dues; hazard or flood insurance; owner’s title insurance; transfer taxes; impound accounts, and outside third-party fees, such as HOA certification/questionnaire and subordination fees. Discount points to buy-down rate are not allowed. If the loan is paid off within 36 months, borrower(s) must reimburse FFCU for all waived settlement costs. The waived settlement costs will be added to the account balance, included on the loan payoff demand statement, and must be paid prior to a reconveyance of the Deed of Trust. Call for complete details.
23% down available for loan amounts up to $850,000 for qualified borrowers. Loan limits and other loan qualification criteria apply.


FFCU is an Equal Housing Lender. Federally insured by NCUA. NMLS# 782737

Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.



First Mortgage: Purchase

Effective: 5/4/2021
Loan Type: PurchaseInterest RateAPR1PointsTermMonthly Principal & Interest Payments Note
No Points/No Fees
Fixed-Rate First Mortgage: CONFORMING (with loans up to $548,250)
APR & Payment based on $400,000 loan
3.000%3.068%0.00030 years

Terms 10,15, 20 years also available.
$1,686.42Rates subject to change daily.

Request More Information
Fixed-Rate Mortgages: High Balance (loans from $548,251 to $822,375)
APR & Payment based on $625,000 loan
3.000%3.055%030 Years

15yr Terms available
$2,635.03Rates subject to change daily.

Request More Information
Fixed-Rate Mortgages: JUMBO (loans up to $1,500,000)
APR & Payment based on $850,000 loan
3.000%3.043%030 years

15 yr term also available.
$3,583.63Rates subject to change daily.

Request More Information

First Mortgage: Refinance

Effective: 5/4/2021
Loan Type: RefinanceRateAPR1PointsTermMonthly Principal & Interest PaymentsNote
No Points/No Fees
Fixed-Rate: Conforming (loans up to $548,250)
APR & Payment based on $400,000 loan
3.000%3.063%030 years

Terms 10,15, 20 years also available.
$1,686.42Rates subject to change daily.

Request More Information
Fixed-Rate: High Balance (loans from $548,251 to $822,375)
APR & Payment based on $625,000 loan
3.000%3.048%030 years

15 year also available.
$2,635.03Rates subject to change daily.

Request More Information
Fixed-Rate: Jumbo (loans up to $1,500,000)
APR & Payment based on $850,000 loan
3.000%3.041%030 years

15 year also available
$3,583.63Rates subject to change daily.

Request More Information

1APR=Annual Percentage Rate. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU Checking Account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice.