Disclosures

Loans

Rates are subject to change without notice. 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 $10,000 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. Payment will be dependent on amount outstanding. Product varies based on terms of loan. Payment will be either .75% of outstanding balance or the interest due on the account for the payment period. Property insurance and flood insurance will be required on Home Equity Loans and Lines. This site is not an offer for credit, all loans are subject to approval, products and terms can change.

2nd Mortgages

Terms and payment will be fully amortized over the term selected by the borrower. Terms range 120 to 240 months. Rates on 2nd mortgages are fixed based on rates available to the borrower at close. This site is not an offer for credit, all loans are subject to approval, products and terms can change.

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.