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    Credit union mortgage rates
    Home state: Pennsylvania
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    FIRST CAPITAL mortgage rates

    FIRST CAPITAL's lowest publicly advertised 30-year fixed rate today is 7.082% APR — the national average is 7.147%. That's about $6,315 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read FIRST CAPITAL's rates every weekday, starting around 11 a.m. Central.

    We last read FIRST CAPITAL's rates page on Nov 2, 2026.

    Today's rates from FIRST CAPITAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.082%2.26Nov 2, 2026Visit
    20 Year Fixed7.125%7.263%0Nov 2, 2026Visit
    15 Year Fixed7%7.171%0Nov 2, 2026Visit
    10 Year Fixed7%7.24%0Nov 2, 2026Visit
    5 Year ARM6.725%7.445%1.55Nov 2, 2026Visit
    7 Year ARM6.5%7.26%1.83Nov 2, 2026Visit
    10 Year ARM6.975%7.512%2.55Nov 2, 2026Visit
    FHA 30 Year Fixed6.75%7.452%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.33%0.85Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.146%1.33Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.427%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.541%0Nov 2, 2026Visit
    Visit FIRST CAPITAL's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the 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

    FIRST CAPITAL publishes mortgage lending in 1 state.

    Pennsylvania

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

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