First Community Credit Union Mortgage Rates
state-basedOpen to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page.
No fresh rate sheet available
We do not have a posted purchase rate from the past 14 days. Last recorded sheet dated 2026-08-10. Confirm current pricing directly with First Community Credit Union. Eligibility and recorded history remain below.
Compare current credit-union rates →How to actually get this rate
A posted rate is a starting point, not a guarantee. Here's the real path.
- 1Confirm you can join First Community Credit Union
You must be a member to get a loan. Check the eligibility path — many credit unions let anyone join through a small association donation.
- 2Get pre-approved — and shop 2–3 lenders
Pre-approval tells you the rate youactually qualify for (the posted rate assumes strong credit and 20% down). It doesn't lock you in or cost anything, and rate-shopping within a ~45-day window counts as a single credit inquiry — so get quotes from this credit union and a couple of others before deciding.
- 3Have your paperwork ready
Speeds up pre-approval: recent pay stubs (last 30 days), W-2s and tax returns (last 2 years), bank/asset statements (last 2 months), and a photo ID. Self-employed? Add profit-and-loss statements.
Got a quote already? See how it compares to real borrowers — or use the calculator to price your monthly payment. Not financial advice.
Rate history
Conventional 30-yr purchase, best posted tier per rate sheet. Collected weekly by RatePerch since we began tracking First Community Credit Union.
Where you can join
About this page
RatePerch independently scrapes First Community Credit Union's public rate sheet every Sunday and archives every change — we have no referral, advertising, or lead-generation relationship with First Community Credit Union or any lender. Spot an eligibility error? Report it from the directory. Full methodology on the methodology page.