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    FIRST CAPITAL mortgage rates

    FIRST CAPITAL's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.88%. That's about $12,477 saved over the life of a $400,000, 30-year loan. We track FIRST CAPITAL daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from FIRST CAPITAL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%7.038%1.83Sep 11, 2026Visit
    20 Year Fixed7.125%7.263%0Sep 11, 2026Visit
    15 Year Fixed6.625%6.794%0Sep 11, 2026Visit
    10 Year Fixed6.625%6.863%0Sep 11, 2026Visit
    5 Year ARM7.725%7.744%2.45Sep 11, 2026Visit
    7 Year ARM7.725%7.793%2.2Sep 11, 2026Visit
    10 Year ARM7.725%7.96%2.9Sep 11, 2026Visit
    FHA 30 Year Fixed6.5%7.194%0Sep 11, 2026Visit
    FHA 15 Year Fixed6.625%7.314%0Sep 11, 2026Visit
    VA 30 Year Fixed6.75%7.012%0Sep 11, 2026Visit
    VA 15 Year Fixed6.625%7.144%0.555Sep 11, 2026Visit
    30 Year Fixed Jumbo7.25%7.301%0.25Sep 11, 2026Visit
    15 Year Fixed Jumbo6%6.04%0Sep 11, 2026Visit
    Visit FIRST CAPITAL's rates page

    Rate history

    Lowest daily rate FIRST CAPITAL advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join FIRST CAPITAL

    Membership in FIRST CAPITAL (PA) is open to employees or retirees of a Preferred Business Partner affiliated with the credit union. Immediate family members (by blood, marriage, or other recognized family relationship) of an existing member are eligible, as are individuals who share a household with an existing member.

    Employer
    Preferred Business Partners of First Capital FCU
    Association / SEG
    FirstCap Gives Back Foundation
    Family of a member
    Immediate family, Household member, Roommate

    Where FIRST CAPITAL writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with FIRST CAPITAL.

    Pennsylvania

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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