If you’re a first-time home buyer or have limited down payment options, First Central CU is where to find low closing costs, no points, and low origination fees.
Key Features
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For First-Time Homebuyers
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Competitive Rates
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Refinancing Available
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Local Processing
For First-Time Homebuyers
Competitive Rates
Refinancing Available
Local Processing
- For first-time homebuyers or primary residence purchases
- Competitive rates to refinance your current first-lien mortgage and save
- Financing available up to 95% of appraisal value
- A wide range of terms customized to your unique situation from 10 years up to 30 years
- Low closing costs
- No points
- Low origination fee
- Mortgage rate discounts available
- Make your mortgage payment at any branch
- Refinance your current home to potentially lower your rate
- Attentive, friendly service from start to finish with experienced loan advisors
Completed applications and requested documents can be uploaded to our secure file drop.
Need to provide proof of insurance for your loan? We’ve made it very easy and secure to submit your insurance policy! Click here: My Loan Insurance
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Money Market*
| Balance | Dividend Rate | APY |
|---|---|---|
| $2,500+ | 0.99% | 1.00% |
*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. A monthly service charge of $20 with an average balance below $2500. Your account will be considered dormant/inactive if you do not make any transactions over 3 years.
Business Term Share Certificate*
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.97% | 3.00% |
| 1 year | $1,000 | 3.45% | 3.50% |
| 2 years | $1,000 | 3.50% | 3.55% |
| 3 years | $1,000 | 3.21% | 3.25% |
| 4 years | $1,000 | 3.06% | 3.10% |
| 5 years | $1,000 | 3.11% | 3.15% |
Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25.
Farm Equipment (New or Pre-owned)*
| Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|
| 100% of purchase price; maximum amount not to exceed 72 months | 1 - 72 months | 7.80% - 18.00% |
*Effective 03/03/2025.
Home Equity*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 5 years | as low as 6.05% - 11.35% |
| 7 years | as low as 6.55% - 11.85% |
| 10 years | as low as 7.05% - 12.35% |
| 15 years | as low as 7.30% - 12.60% |
| 20 years | as low as 7.55% - 12.85% |
*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may differ from that of another member on the same type of loan. Home Equity Loan property must be located within a 200-mile radius of a branch location. Effective 02/10/2025.
IRA Savings
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular, Roth & Educational | 0.499% | 0.50% |
IRA Term Share Certificate
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.97% | 3.00% |
| 1 year | $1,000 | 3.45% | 3.50% |
| 2 years | $1,000 | 3.50% | 3.55% |
| 3 years | $1,000 | 3.21% | 3.25% |
| 4 years | $1,000 | 3.06% | 3.10% |
| 5 years | $1,000 | 3.11% | 3.15% |
Penalty for early withdrawal.
Effective 02/10/2025.
Kasasa Cash*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $10,000 | 4.889% | 5.00% |
| Over $10,000 | 0.995% | 5.00% to 1.36% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Kasasa Saver*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $20,000 | 1.982% | 2.00% |
| Over $20,000 | 0.995% | 1.17% to 2.00% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Lifestyle Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 12.24% - 18.00% |
APR for Balance Transfers
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 14.24% - 18.00% |
APR for Cash Advances
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 14.24% - 18.00% |
Money Market (First Fund)*
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.35% | 0.35% |
| $2,500 - $24,999.99 | 0.99% | 1.00% |
| $25,000 - $49,999.99 | 1.09% | 1.10% |
| $50,000 - $99,999.99 | 1.24% | 1.25% |
| $100,000 - $249,999.99 | 1.98% | 2.00% |
| $250,000 and Greater | 2.23% | 2.25% |
*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.
New Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 5.29% - 18.00% |
| 37 - 48 months | as low as 5.44% - 18.00% |
| 49 - 66 months | as low as 5.59% - 18.00% |
| 67 - 72 months | as low as 5.59% - 18.00% |
| 73 - 84 months | as low as 6.59% - 10.84% |
Term available based on credit score. Effective 03/03/2025.
New Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 6.79% - 18.00% |
| 37 - 48 months | as low as 6.94% - 18.00% |
| 49 - 66 months | as low as 7.09% - 18.00% |
| 67 - 72 months | as low as 7.09% - 18.00% |
| 73 - 84 months | as low as 8.09% - 12.34% |
*Effective 03/03/2025. Term available based on credit score.
Personal Loans*
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Small Dollar Personal Loan | $800 and Below | 1 - 6 months | 13.75% - 28.00% |
| Personal | $801 - $30,000 | 1 - 84 months | 11.50% - 18.00% |
| Line of Credit / Overdraft Line of Credit | $1 - $30,000 | 1 - 72 months | 11.50% - 18.00% |
*Small personal loans of $800 or less will incur a $20 application fee.
Pre-owned Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('16 & older) | as low as 5.59% - 18.00% |
| 24 - 30 months ('17 - '18) | as low as 5.59% - 18.00% |
| 36 - 42 months ('19 - '20) | as low as 5.59% - 18.00% |
| 48 - 60 months ('21 - '22) | as low as 5.59% - 18.00% |
| 60 - 72 months ('23 - '25) | as low as 5.59% - 18.00% |
*Classic Auto may be financed up to 24 months, or longer with approval from President
*Auto Refinance (External) - 2% lower than current interest rate to a floor of 5.59% with $5,000.00 or more financed.
*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.
*If the term of the loan is extended, rates may be subject to a 1% APR increase.
*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.
*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.
*Effective 03/03/2025
Pre-owned Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('16 & older) | as low as 7.09% - 18.00% |
| 24 - 30 months ('17 - '18) | as low as 7.09% - 18.00% |
| 36 - 42 months ('19 - '20) | as low as 7.09% - 18.00% |
| 48 - 60 months ('21 - '22) | as low as 7.09% - 18.00% |
| 60 - 72 months ('23 - '25) | as low as 7.09% - 18.00% |
| Jet Skis | Same as Personal Rates |
*100-120% NADA Retail to qualified borrowers. Recreational vehicle refinance (external) is 2% lower than the current interest rate to a floor of 7.09% with $5,000.00 or more financed — effective 03/03/2025.
Prestige Draft Accounts
| Balance | Dividend Rate | APY |
|---|---|---|
| $500 - $2,499.99 | 0.150% | 0.15% |
| $2,500 - $14,999.99 | 0.349% | 0.35% |
| $15,000 and Greater | 0.499% | 0.50% |
Share Accounts*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular Share Account* | 0.350% | 0.35% |
| Business Share Account | 0.350% | 0.35% |
| Dream Savings* (Monthly) | 0.350% | 0.35% |
| Dream Club (Monthly) | 0.350% | 0.35% |
Regular Share Account and Business Share Account minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.
Dream Savings Accounts are those called -- for example -- Special Savings, Vacation, Wedding, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month.
Dream Club Accounts are designed to save for year-end or holiday expenses. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. Every November, the full balance of account is withdrawn and paid to the member. The account remains open for continued savings into the next year.
*Regular Share Account allows four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4) per month.
Share Draft Accounts
| Account Type | Dividend Rate | APY |
|---|---|---|
| Super Saver Checking | 0.050% | 0.05% |
| Student Checking | 0.050% | 0.05% |
| Business Plus Checking | 0.050% | 0.05% |
Share Secured Loans
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Secured w/Savings | Total of Share Balance | 1 - 24 months | 4.75% - 10.75% |
| Secured w/Savings | Total of Share Balance | 25 - 60 months | 5.25% - 11.25% |
| Secured w/ Certificate | Face amount of Certificate | 1 - 120 months | 2% above yield |
Term Share Certificate*
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.97% | 3.00% |
| 1 year | $1,000 | 3.45% | 3.50% |
| 13 months* | $1,000 | 4.08% | 4.15% |
| 2 years | $1,000 | 3.50% | 3.55% |
| 25 months* | $1,000 | 4.08% | 4.15% |
| 3 years | $1,000 | 3.21% | 3.25% |
| 4 years | $1,000 | 3.06% | 3.10% |
| 5 years | $1,000 | 3.11% | 3.15% |
| JUMBO* | $100,000 | See Below |
Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term.
JUMBO term share certificates pay +0.25% added to APY on selected terms above (example: 1 year APY 3.60%, JUMBO would pay 3.85% APY). Effective 02/10/25.
* Non-renewable.
VISA Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 11.74% - 18.00% | 13.74% - 18.00% | 16.24% |
APR for Balance Transfers
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 13.74% - 18.00% | 15.74% - 18.00% | 18.00% |
APR for Cash Advances
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 13.74% - 18.00% | 15.74% - 18.00% | 18.00% |
Rate effective 01/01/2025
Youth Savings*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Kirby Kangaroo* (age 0-12) | 0.350% | 0.35% |
| Youth Account (age 13-17) | 0.350% | 0.35% |
| TUTMA Savings (birth-21) | 0.350% | 0.35% |
*Child must be present to recieve Kirby Kangaroo prize. One prize per child each day.
Kirby Kangaroo and Youth Accounts - $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.
TUTMA Savings - $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield.