MOVE INTO A MORTGAGE ON TERMS YOU’LL LOVE
Pre-qualify and confidently begin your home buying journey and enjoy fast, local processing to seal the deal.
Benefits You’ll Love
- Pre-qualification available
- Choose from a variety of financing programs
- Work with helpful loan advisors experienced in local real estate
- Take advantage of electronic document signing
Home Buying
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of terms customized to fit your unique mortgage situation
- Variety of financing programs available:
- First-time homebuyers
- Rural development loans
- Conventional loans
- VA loans
- FHA loans
- New construction/lot loans
- Free pre-qualification for extra confidence when buying your home
- Helpful mortgage loan advisors with working knowledge of the local real estate market
- Quick, local decision-making and processing. Attentive, friendly service from start to finish on your mortgage
- Sign your documents at home or on the go with our electronic document signing feature
Refinancing
- Competitive rates for cash-out and rate & term refinances
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of terms customized to your unique refinance situation
- Free consultation with our home loan experts
- Lock-in your rate with no up-front fee
- Helpful mortgage loan advisors with working knowledge of the local real estate market
- Quick, local decision-making and processing. Attentive, friendly service from start to finish on your home refinance
- Sign your documents at home or on the go with our electronic document signing feature
Mortgage Learning Center
We know buying a home is a big financial decision, but our team is here to support you at every step of the way.
Our Mortgage Learning Center offers a variety of helpful solutions to make the home buying process a bit easier.
Read about the following:
- Mortgage Journey
- Frequently Asked Questions
- Mortgage Glossary
- HomeBuyer Education
Borrower Portal
Already started your mortgage process with FCCU? Don't forget our Borrow Portal is used as:
- A login for your mortgage application
- Check on your mortgage application status
- Upload needed documents for your application
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 dividends 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 CD 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
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 2.47% | 2.50% |
| $25,000+ | 0.15% | 2.50% to 0.62% |
| All balances if qualifications not met | 0.02% | 0.02% |
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t qualify this monthly qualification cycle, your account is still free. Plus, you’ll still earn the base interest rate for your account. Then, next month, you can get right back to earning your full rewards.
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 0.25% | 0.25% |
| $25,000+ | 0.15% | 0.25% to 0.17% |
| All balances if qualifications not met | 0.02% | 0.02% |
Qualifications to Earn Rewards
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t qualify this monthly cycle, your account is still free and you’ll still earn the base interest rate. Plus, you’ll get right back to earning your rewards the very next month.
APY = Annual Percentage Yield. Rates and APYs accurate as of 1/1/2021. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.