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Lending Rates

For loans big and small…First Flight finances them all! To learn more about our lending products call us at 1.800.807.0766 or visit your local branch.

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Mortgages – Fixed Rate

Conventional FixedInterest RatesAPR
30 Yr Conforming2.750%2.938%
20 Yr Conforming2.625%2.891%
15 Yr Conforming2.375%2.718%
10 Yr Conforming2.250%2.751%

Rates effective 11/24/2020.Term loan: For a $100,000 amount, and term of 300 months with a 5.00% APR fixed, the monthly payment would be $584.59. Payment example does not include any applicable taxes or insurance premiums. Rates and terms are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Other options available at higher rates. Applicants who do not qualify for these rates and/or terms may be offered credit at a higher rate and/or different terms. Rates quoted above require a 1.00% loan origination fee. This fee may be waived for a 0.375% increase in the interest rate. Mortgage insurance required if loan to value exceeds 80%. Hazard insurance required on all loans secured by real property. Flood insurance may be required. No prepayment penalties.

For ARM, FHA or VA loans – please contact us for current rates.


Home Equity

ProductInterest Rate/APR LTVTerm Closing Costs
Fixed Equity Loan*as low as 4.74%/5.20%up to 90%12 year*No Closing Costs
Equity Access (HELOC)*as low as 4.00%/4.311%up to 90%10 year draw/10 year payback*No Closing Costs

* APR= Annual Percentage Rate calculated using a $50,000 loan amount. Rates and terms effective as of 8/6/2020 and are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Other options available at higher rates. Applicants who do not qualify for these rates or terms may be offered credit at a higher rate and/or different terms. Hazard insurance required on all loans secured by real property. Flood insurance may be required. A $50,000 12-year equity loan would be repayable in 144 monthly payments of $9.12 per $1,000 borrowed. Other fees may apply.

** APR= Annual Percentage Rate. Rates shown are the lowest rates offered for the products advertised and are effective as of 8/6/2020 and are subject to change without notice. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice and are based upon the prime rate as reported in the Wall Street Journal. Maximum APR is 18%. Rate may change after consummation. Monthly payments are 1.5% of the balance. Hazard insurance required on all loans secured by real property. Flood insurance may also be required.

*** Promotional offer for no closing costs and 90% CLTV financing are valid as of 8/6/2020 for a limited time only and can end at any time. Offer does not apply to refinances of current loans with First Flight.


Personal Loans

ProductInterest RateAPR
Credit Builder11.00%12.68%*
Fast Funds**Based on Prime +3.75%*
Signature Loan***7.25%7.76%*

Rates effective 12/20/2018 and are the lowest rates offered for the products advertised based on $3,000 financed with a 36 month term. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. **Monthly payments are 2% of the balance, minimum of $25 per month. Membership eligibility may be required. ***Based on $10,000 loan amount and 36 month term.


Vehicle Loans

AutomobilesInterest RateAPR
New Autos 2.94%3.06%
Used Autos 3.19%3.31%

Rates effective 9/19/2018 and are the lowest rates offered for the products advertised based on $30,000 financed with a 48 month term and loan to value ≤ 80%. Example: 48 monthly payments of $22.15 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Maximum vehicle age 12 years. Maximum loan to value 130%. Terms available up to 84 months.

MotorcyclesInterest RateAPR
New Motorcycle4.94%5.06%*
Used Motorcycle5.19%5.31%*

Rates effective 8/1/2020 and are the lowest rates offered for the products advertised based on $30,000 financed with a 48 month term and loan to value ≤ 80%. Example: 48 monthly payments of $23.05 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms.

Boats Interest Rate APR 
New Boat 4.99% 5.05%*
Used Boat 5.24% 5.30%*

Rates effective 3/25/2019 and are the lowest rates offered for the products advertised based on $30,000 financed with a 96 month term and loan to value ≤ 80%. Example: 96 monthly payments of $13.88 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms.

RVsInterest Rate/APRAPR
New RVs4.99%5.05%*
Used RVs5.24%5.30%*

Rates effective 3/25/2019 and are the lowest rates offered for the products advertised based on $30,000 financed with a 96 month term and loan to value ≤ 80%. Example: 96 monthly payments of $13.88 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms.


Mobile Homes

New Mobile HomeInterest Rate/APRLTV
Term (1-60 months)8.00%/8.15%*Up to 80%
Term (61-84 months)8.75%/8.86%*Up to 80%
Term (85-144 months)9.50%/9.57%*Up to 80%
Term(145-180 months)10.25%/10.29%*Up to 80%
Used Mobile HomeInterest Rate/APRLTV
Term (1-60 months)8.25%/8.40%*Up to 80%
Term (61-84 months)9.00%/9.11%*Up to 80%
Term (85-144 months)9.75%/9.82%*Up to 80%
Term (145-180 months)10.50%/10.54%*Up to 80%

Rates effective 01/01/2017 and are the lowest rates offered for the products advertised based on $20,000 financed up to a 144 month term and $30,000 financed up to a 180 month term. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms.

*APR= Annual Percentage Rate. Rates are subject to change without notice. Please call us at-800-807-0766 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.

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