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• Preferred
• Elite
• Student
• Fresh Start

An Express Draft works exactly like a personal check. Once you’re preapproved, we’ll send it your way, and all you do is make it payable to the dealer for the purchase price (up to your approved maximum loan amount*), and just like that, the car of your dreams is the car in your driveway.

From there, your loan will be activated for the amount you made payable on the Express Draft. The best part? If you change your mind, you are under no obligation to use it once you receive it. It’s as easy as easy gets.

Visa® Signature
Earn Cash Back. Earn 1.5% Cash Back on every purchase you make. And with select retailers, you can earn even more.

Visa® Rewards
Earn Points. Our rewards mall is stocked with thousands of items. And you earn 1 point for every dollar you spend.

Visa® Platinum
Great Rate. Our lowest rate card has no transfer fees and is perfect for consolidating credit card debt.

A HomeReady® mortgage is a great option for first-time home buyers and other borrowers who may not qualify for traditional financing.

Features:

• Down payment as low as 3%
• Flexible sources of funds
• Homeownership education required via an easy-to-use online format
• Income eligibility requirements apply*

With more flexibility than ever before, FHA is making homeownership happen. That’s because FHA insured home loans are open to borrowers with less-than-perfect credit or a previous bankruptcy, and are available after two years of discharge and once good credit has been established. And as an added bonus, FHA interest rates tend to be lower than conventional mortgage rates.

Looking to build the home of your dreams? Construction loans offer you the flexibility you need.

Military members may be eligible for a VA loan, which provides affordable, government-backed mortgage financing with unique benefits including no down payment (100% financing) or PMI.

Ideal for growing or military families and people who relocate frequently or are not planning to stay in their home for an extended period of time.

For higher borrowing needs we offer adjustable-rate jumbo mortgages with fixed initial rate up to 10 years.

Are you behind on your rent or mortgage? Do you plan to buy a home soon? Are you considering taking out a reverse mortgage loan or home equity loan? Get expert advice and resources from our partners at GreenPath.

A Personal Loan offers up to $20,000 and fixed term up to 60 months with a low interest rate. This option is usually better than using higher-rate revolving credit cards because the rate is typically lower, allowing you to pay it off more quickly. And with a fixed monthly payment amount, it’s the easiest way to track your progress and stay on budget.

Personal Lines of Credit (PLOC) are a great tool for unexpected life events. The funds are there when you need them and provide added security when you don’t. Then, when you pay it off, it will be ready to use again for whatever’s needed. As an added protection, you can ask to have the line tied to your checking account to act as overdraft protection when you apply, ensuring you won’t incur overdraft or courtesy pay fees, provided you have not reached your loan limit.

Our lines of credit have a maximum draw of $10,000 with a low, variable rate.

Secured loans are fixed-rate loans secured with a savings account or certificate you have with First Commonwealth.

Here are a few reasons this type of loan may be helpful:

• There is no need for a credit report
• Your savings will not be used unless you default
• There are no penalties for prepayment
• You can have multiple secured-loans
• The rate is fixed and one of the lowest we offer
• Builds credit for new borrowers
• Same low rate regardless of credit score

You can borrow up to 100% of the available balance in the savings fund from which you have secured the loan. Loan terms can be up to 60 months or the remaining term to maturity if you are borrowing against your certificate.

And we make it easy to repay the loan. Select your due date, use free automatic transfer from a First Commonwealth account, and even choose low-cost life, disability and involuntary unemployment payment protection for added peace of mind.Please note: Custodial, IRA, Trust, or Representative Payee accounts cannot be used as collateral for a Secured Loan. Funds used as collateral must be on deposit with First Commonwealth for at least seven calendar days prior to requesting the secured loan.

A Personal Loan offers up to $20,000 and fixed term up to 60 months with a low interest rate. This option is usually better than using higher-rate revolving credit cards because the rate is typically lower, allowing you to pay it off more quickly. And with a fixed monthly payment amount, it’s the easiest way to track your progress and stay on budget.

Personal Lines of Credit (PLOC) are a great tool for unexpected life events. The funds are there when you need them and provide added security when you don’t. Then, when you pay it off, it will be ready to use again for whatever’s needed. As an added protection, you can ask to have the line tied to your checking account to act as overdraft protection when you apply, ensuring you won’t incur overdraft or courtesy pay fees, provided you have not reached your loan limit.

Our lines of credit have a maximum draw of $10,000 with a low, variable rate.

Everyone’s financial journey is different. And whether you’re buying a home, starting a family, or thinking about where, when, and how you want to retire, we’ll be there to help.

Your goals are unique to you. That’s why we create custom, personalized financial plans to help you achieve the goals you’ve set for yourself.

Help protect the financial future of your loved ones with life insurance.

GROW Certificate

• Make deposits of at least $50/mo. and watch your savings grow.

THRIVE Certificate

• Thrive at any time with these great Special Certificate rates.

FLEX Certificate

• Save with the flexibility of a one-time penalty-free withdrawal.

Earn a higher yield, without having to lock into a fixed term.

Money Market & Money Market IRA Accounts:

• Earn a tiered APY (annual percent yield) based on your daily balances
• Minimum balance of $2,500 to earn dividends
• No monthly service charges
• Convenience of clearing up to 6 drafts monthly
• Tiered rates

Elite Money Market Accounts:


• Our highest yielding money market for members with high balances
• Minimum balance of $50,000 to earn higher yield
• Up to $250,000 in additional savings insurance coverage for balances of $250,000 and greater
• Convenience of clearing up to 6 drafts per month
• Tiered rates

5, 10, 15 and 20-year options available.

Learn more about the differences in a closed-end loan or an open-end line of credit.

A Personal Loan offers up to $20,000 and fixed term up to 60 months with a low interest rate. This option is usually better than using higher-rate revolving credit cards because the rate is typically lower, allowing you to pay it off more quickly. And with a fixed monthly payment amount, it’s the easiest way to track your progress and stay on budget.

Personal Lines of Credit (PLOC) are a great tool for unexpected life events. The funds are there when you need them and provide added security when you don’t. Then, when you pay it off, it will be ready to use again for whatever’s needed. As an added protection, you can ask to have the line tied to your checking account to act as overdraft protection when you apply, ensuring you won’t incur overdraft or courtesy pay fees, provided you have not reached your loan limit.

Our lines of credit have a maximum draw of $10,000 with a low, variable rate.

Our lowest rate card has no transfer fees and is perfect for consolidating credit card debt.

• Rate as low as 6.99% APR
• No annual fee
• No cash advance fee
• No penalty APRs

If you’re just getting started, dreaming about buying a home, starting a family or thinking about where and how you want to retire, we’re here to help turn those dreams into reality.

We understand that not everyone has the same goals in mind. That’s why we implement an individualized approach to creating a financial plan that help make your goals a reality.

Help protect the financial future of your loved ones with life insurance.

Purchase or refinance current loans you have for:

Commercial Properties:

• Owner Occupied
• Non-Owner Occupied
• Office Buildings
• Retail Strip Centers
• Warehouses
• Mixed Use

Residential Rental Properties:

• Single-Family
• Multi-Family
• Apartment Complexes

Support the unique needs of your business with our:

• Term Loans: Used to finance the acquisition or modernization of a business’s productive assets, including machinery and equipment, commercial vehicles, etc.
• Lines of Credit: Ideal for flexible spending, such as seasonal or short-term needs.