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Mortgage Rates
Here are some of the loan programs we offer.    These programs are unique to First-Citizens Bank & Trust Company.    To learn more about these programs and many others, call us at 1 888 FC DIRECT (1 888 323-4732), select option 2, then option 3.

NOTE: Payment examples do not include amounts for taxes and insurance premiums.
*ARM Products: The Annual Percentage Rate is subject to increase after consummation.

Rates below are for a 60 day lock period.    Rates are based on a purchase, loan amount of $165,000; credit score of 740; primary residence; single family dwelling; with a 20% down payment.
Loan Amount:      $

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Program Name Rate Points APR Payment  
30 Year Fixed (Conforming) 4.125% 0.38% 4.230% $0.00
30 Year Fixed (Conforming) 4.250% -0.25% 4.304% $0.00
30 Year Fixed (Conforming) 4.375% -0.75% 4.387% $0.00
15 Year Fixed (Conforming) 3.500% 0.38% 3.683% $0.00
15 Year Fixed (Conforming) 3.625% -0.12% 3.736% $0.00
15 Year Fixed (Conforming) 3.750% -0.50% 3.807% $0.00
5/1 Year ARM* (Conforming) 3.625% 0.00% 3.875% $0.00
Rates are subject to change without notice.
Rates last updated on 01/16/2018.
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