Disclosures

Loans

Your Actual Annual Percentage Rate (APR) will be based upon your individual credit worthiness, loan amount, term of loan, and applicable prepaid items.

Home Equity Loans and Lines of Credit

Home Equity Lines of Credit have a $5,000 minimum. FFCU will waive the closing costs for HELOC with an initial balance of at least $5,000 that remain open for a minimum of 2 years. The HELOC rate is variable and based on the Prime rate as published in The Wall Street Journal, has a floor of 4.50%, and can change quarterly (January 1, April 1, July 1, and October 1) based on the last day of every 3rd month. Property insurance and flood insurance will be required on Home Equity Loans and Lines.

RapidCash Loans

RapidCash is available only to member who have direct deposit or payroll deduction to a First Financial Credit Union account, or who have been in good standing for 1 year. Payments will be made by AutoPay. Processing fee: $25. Must be employed and provide current paystub. Other restrictions may apply.