FirstPencu is driven to help our members and community
Partnering with our members to empower, strengthen and create a lasting change.
Our Mission
Estimate your mortgage payment, based on your home’s purchase price, down payment, rate, and term.
Community Service
We serve through financial literacy programs, volunteer service, and donations that help community members realize their goals and dreams..
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Security Center
The security of your personal and financial information is our top priority. Protecting your data is our goal.
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FirstPencu Careers
We are invested in you, your career, your family, your wellness, and your finances. We are invested in the impact you can make in the community.
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How Do I Get a Conventional Loan?
You’ll need the following to qualify for a conventional loan for all borrowers:
- Satisfactory credit score (typically 650 or higher)
- Proof of income – typically 1 – 2 months of paystubs
- At least 1 year of W2s
Possible additional financial verification like:
- Self-employment income
- Current debts information (auto, alimony, credit card, etc.)
- Acceptable debt-to-income ratio (DTI)
Our Purpose
Helping members achieve their dreams since 1935.
First Pen Credit Union (FirstPencu) is America’s second-largest federal credit union, serving 2.9 million members worldwide with over $31 billion in assets. FirstPencu offers market-leading certificates, checking and savings, credit cards, personal loans, mortgages, auto loans, and a wide range of other financial services, always with members’ interests in mind. FirstPencu is federally insured by the NCUA and is an Equal Housing Lender.
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This credit union is federally insured by the National Credit Union Administration. Rates are current as of April 2025 unless otherwise noted and are subject to change.
APY = Annual Percentage Yield
APR = Annual Percentage Rate