Rates
Terms & Conditions
Our highest priority is helping our Members reach their goals to achieve financial success and freedom. Whether through competitive, low rates on lending products or deposit accounts that help our Members earn while they save, we’re dedicated to helping Members just like you be financially successful
Select which rates you’d like to view from the links below:
Lending Rates
- Mortgages
- Lot Loans
- Home Equity Loans and Lines of Credit
- Vehicle Loans
- Personal Loans and Lines of Credit
- Manufactured Homes
Deposit Rates
- Savings Accounts
- Checking Accounts
- Share Certificates
- Money Market Accounts
- IRAs
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Lending Rates
APR = Annual Percentage Rate. Unless otherwise noted, all rates valid as of 1/9/2026
Mortgages – Fixed Rate
Converntional Fixed | Interest Rates | APR |
|---|---|---|
30 Yr Conforming | $10 | $10 |
20 Yr Conforming | $0 | $10 (can be waived) |
15 Yr Conforming | – | 0.10% APY (on total balance) |
10 Yr Conforming | 2 waived per month | None |
Rates effective 1/9/2026. Term loan: For a $200,000 amount, and term of 360 months with a 6.50% APR fixed, the monthly payment would be $1234.21. Payment example does not include any applicable taxes or insurance premiums. Rates and terms are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Other options available at higher rates. Applicants who do not qualify for these rates and/or terms may be offered credit at a higher rate and/or different terms. Rates quoted above require a 1.00% loan origination fee. Mortgage insurance required if loan to value exceeds 80%. Hazard insurance required on all loans secured by real property. Flood insurance may be required. No prepayment penalties.
Lot Loans
Lot Loans | Interest Rates | APR |
|---|---|---|
10-Year Fixed Rate¹ | As low as 7.00% | As low as 7.576% |
Rate valid as of 1/2/2026. Payment Example: 120 monthly payments of $11.61 per $1,000.00 borrowed. Approval based on credit history, loan amount to property value ratio, and other factors. Rates are subject to change at any time. Please speak with a First Flight representative for full details.
Home Equity
Product | Interest Rate/APR | LTV | Term | Closing Costs |
|---|---|---|---|---|
Fixed Equity Loan | As low as 6.25%/6.48%¹ | up to 90% | 12 yr. | No Closing Costs³ |
Equity Access (HELOC) | As low as 7.75%/7.77%² | up to 90% | 10 yr. draw/10 yr. payback | No Closing Costs³ |
Rate valid as of 1/2/2026. Payment Example: 120 monthly payments of $11.61 per $1,000.00 borrowed. Approval based on credit history, loan amount to property value ratio, and other factors. Rates are subject to change at any time. Please speak with a First Flight representative for full details.