All Family First offices and the call center will be closed on Monday, November 11 for Veterans Day.

Home Rates

Greatest Rates Around

Discover why so many choose Family First

  TermAPR
Home Improvement – Secured 1 – 60 MonthsAs low as 7.00%
  61 – 120 MonthsAs low as 8.00%
Home Improvement – Unsecured 1 – 60 MonthsAs low as 8.25%
Pool Loan^ 1 – 60 MonthsAs low as 6.45%
  60 – 120 MonthsAs low as 6.85%
Home Equity: Closed End Fixed (1)(3)No Closing Costs  
Up to 90% 1 – 60 MonthsAs low as 4.49%
  61 – 120 MonthsAs low as 5.49%
Maximum Loan to Value 100% 1 – 60 MonthsAs low as 6.00%
  61 – 120 MonthsAs low as 7.00%
Closed End 3/1 ARM (1)No Closing Costs180 Months 
Up to 90%  36 month intro rate as low as 5.50%
   After Intro Period: as low as Prime Rate +0.0%
Maximum LTV 100%  36 month intro rate as low as 5.75%
   After Intro Period: as low as Prime Rate + .25%
   Rate may adjust quarterly
Home Equity Line of Credit (2)*No Closing Costs10 year draw periodRate may adjust quarterly
Maximum LTV: 80% 20 year repaymentAs low as Prime + 0.00%
Home Equity Line of Credit (2)*No Closing Costs10 year draw periodRate may adjust quarterly
Maximum LTV: 80.01% – 90% 20 year repaymentAs low as Prime + 0.25%
New Mobile HomeDown Payment Required1 – 180 MonthsPrime + 3.5%
Used Mobile HomeCall for Details1 – 120 MonthsPrime + 5.0%

Disclosure: Membership eligibility required. Loans subject to credit approval and application. Actual rates may vary. APR is Annual Percentage Rate.

Prime rate as of 10/31/19 listed in the Wall Street Journal is4.75%. Family First FCU is an equal housing lender.

^Pool loans have the following stipulations: In-ground pools only (can include hardscape – concrete and fencing); minimum loan amount $10,000; maximum loan amount $70,000; A mortgage will be filed on the property –mortgage tax, recording fees and flood certification will be paid by CU, if the loan is paid off within the first 24 months of origination the fees will be paid back by the borrower (TRID rule apply – LE and CD need to be issued – there will be a 3 day rescission period before funds can be disbursed); Items needed at application include estimate from the contractor installing the pool, copy of deed (showing ownership of property), income verification may be requested.

(1) Home Equity Closed End, fixed or 3/1 ARM less than $15,000, member must pay closing costs.

(2) Home Equity closing costs must be paid back if loan is paid off and closed within the first 36 months. Home Equity line of credit has a 10 year draw period with a 20 year repayment period. Rates vary by loan to value.The rate will not exceed 14.95% APR. The floor rate is 3.95%

(3) Subject to credit eligibility.

Home Equity Line of Credit loans originating between 11/3/2008 and 7/31/2016 have a floor rate set at 4.00%. All new loans originated starting on 8/1/2016 will have a floor rate of 3.95%.

Rates are valid as of November 1, 2019.

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