Home Starts Here.
Whether you’re stepping into a new home, tapping into the value of your current one, or looking to lower your monthly bills, People First is here to fuel your future. We’ve lined up our most powerful lending tools to help you save more and live better.
Mortgages
Stability You Can Count On: 5.25% APR* for 30 Years.
Don’t let the complexity of a mortgage hold you back. Our 5.25% APR* 30-year fixed rate offers the long-term security you need to plan for the future. From the first signature to the final handshake, our team works tirelessly with all parties to ensure a smooth, on-time closing.
Lower your mortgage payment by an estimated $211 per month1. Based on 2026 national averages, our competitive 5.25% APR helps you save more on a 30-year fixed-rate mortgage.
Home Equity Line of Credit2
Fund your dreams. Borrow up to 80% of your home’s equity.
With a home equity line of credit, you can borrow as much as you need to tackle any project or finance a dream. Renovate that kitchen or bathroom. Take your dream vacation. Pay for education. Whatever you want to do, your home’s equity can help finance it. With No Appraisal Fee and No Points, it’s an ideal vehicle to get you to your dreams.
Swap & Drop3
Upgrade Your Current Auto Loan to People First and Enjoy Lower Rates Today! Rates as low as 4.49% APR3
Here are 4 key benefits of the Swap and Drop program.
- Lower Interest Rates: Swap and Drop offers competitive interest rates that may reduce your monthly payments, allowing you to save money over the life of your loan.
- Streamlined Process: Our user-friendly application process makes refinancing your auto loan quick and hassle-free. Say goodbye to lengthy paperwork.
- Expert Guidance: Our dedicated team of financial experts is here to guide you through every step of the refinancing process, ensuring you make informed decisions that align with your financial objectives.
- Savings You Deserve: By refinancing with Swap and Drop, you could have more money in your pocket for the things that matter most to you, whether it’s a dream vacation, home improvement projects, or simply building your savings.
Disclosures:
Interest Rates and Annual Percentage Rates are effective: March 12, 2026
*APR denotes Annual Percentage Rate. Rates reflect the best rates available today. Not everyone who applies will qualify for the rates shown. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. Conforming Loan amounts from $50,000 to $806,500.
1 Monthly savings of $211 is based on a comparison of Principal and Interest (P&I) payments for a 30-year fixed-rate mortgage with a loan amount of $322,172. The ‘National Average’ payment of $1,990 is calculated using a 6.28% Annual Percentage Rate (APR), based on the Bankrate national average for a 30-year fixed mortgage as of March 16, 2026. The promotional payment of $1,779 is calculated using a 5.25% APR for a 30-year fixed mortgage. Actual savings will vary based on individual creditworthiness, loan-to-value ratio, property type, and current market conditions. Payments do not include amounts for taxes, insurance premiums, or homeowners association dues; the actual payment obligation will be greater. Offers are subject to credit approval and program guidelines. Rates and terms are subject to change without notice.
2 Home Equity Loans or Home Equity Lines of Credit Disclosure: Loans are on 1–4-unit family, owner-occupied residences in Pennsylvania and New Jersey. Property insurance is required. Flood insurance may be required. There are no points for home equity fixed rate or line of credit loans. Minimum loan amount of $5,000.00 required. All applications are subject to an Origination Fee.
3 Swap and Drop Auto Refinance Program Disclosure: *APR= Annual Percentage Rate. Subject to credit approval of individual creditworthiness and underwriting standards. The floor rate of 4.49% is valid for up to 36 months, longer terms are available at higher rates. Rate will be determined once application is submitted and creditworthiness reviewed. To be eligible for the up to 2% reduction off your current rate, the loan must be transferred from another financial institution other than People First Federal Credit Union with a balance of at least $8,000. Interest charges begin on the day of loan funding and are repaid over the term of the loan. Vehicle must be 2016 and Newer to qualify.
Offer not available on existing People First auto loans. Applicants must qualify for membership with People First Federal Credit Union with at least a membership savings account with a minimum deposit of $5.00. Subject to Credit Approval. Program terms and conditions are subject to change without notice. If GAP policy exists on current loan, check terms to understand coverages, cancellations, and portability. Many GAP policies do not allow portability but People First FCU does offer subsequent optional GAP products on most vehicles as well as optional credit protection insurance at additional cost. Please check with People First FCU for details before closing to understand all available options.