Current First Financial Credit Union Rates
Savings Rates Effective 8/01/08
Rates are subject to change without notice.
| Savings and Checking Accounts |
| Type | APR* | APY* |
|---|
| Share Savings | 0.50% | 0.50% |
| Club Account Shares*** | 0.50% | 0.50% |
| Regular IRA Shares | 0.50% | 0.50% |
| Share Draft (Checking)**** | 0.50% | 0.50% |
| Money Market Accounts |
| Tiers | APR* | APY* |
|---|
| $5,000 - $9,999.99 | 1.24% | 1.25% |
| $10,000 - $24,999.99 | 1.98% | 2.00% |
| $25,000 - $49,999.99 | 2.23% | 2.25% |
| $50,000 and over | 2.47% | 2.50% |
| Share Certificates & IRA Share Certificates** |
| Regular ($1,000 min.) | Premium ($5,000 min.) |
|---|
| Term | APR* | APY* | APR* | APY* |
|---|
| 3 months |
2.23% |
2.25% |
2.72% |
2.75% |
| 6 months |
2.48% |
2.50% |
2.97% |
3.00% |
| 9 months |
2.72% |
2.75% |
3.21% |
3.25% |
| 12 months |
2.97% |
3.00% |
3.455% |
3.50% |
| 18 months |
3.21% |
3.25% |
3.70% |
3.75% |
| 24 months |
3.31% |
3.35% |
3.80% |
3.85% |
| 36 months |
3.455% |
3.50% |
3.94% |
4.00% |
| 48 & 60 months |
3.70% |
3.75% |
4.18% |
4.25% |
| Member Bonus |
**Certificate APYs include a .25% increase for Member Bonus. To qualify for the Member Bonus rate, you must have one of the following with FFCU:
-active checking account
-loan product (including VISA or mortgage)
-any direct deposit
|
| Penalties for early withdrawal on Share & IRA Certificates |
| Certificate Term | Penalty |
|---|
| 12 months or less | 90 days of dividends |
| greater than 12 months |
180 days of dividends |
*APR is Annual Percentage Rate, APY is Annual Percentage Yield.
***Funds disbursed to your share savings on November 1st.
****Minimum average daily balance of $2,500.
Loan Rates Effective 8/01/08
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Rates are subject to change without notice.
| Auto Loans |
| | APR* as low as | Approx. Payment (per $1,000) |
|---|
| New 2007 & 2008 Autos | | |
| Up to 60 Months |
5.00 |
$18.88 |
| Up to 72 Months |
5.25 |
|
| Used Autos | | |
| 2005-2008 60 Month Maximum Term |
5.50% |
$19.11 |
| 2001-2004 48 Month Maximum Term |
6.00 |
|
| 1997-2000 36 Month Maximum Term |
6.50% | |
| Motorcycles, Boats, RVs, Mobile Homes, Trailers |
| | APR* as low as | Approx. Payment (per $1,000) |
|---|
| New 2007 & 2008 Cycles, Boats, etc. | | |
| Up to 60 Months |
6.75% |
|
| From 61-72 Months |
7.75% |
|
| Used Cycles, Boats, etc. | | |
| 2005-2008 60 Month Maximum Term |
7.75% |
|
| 2001-2004 48 Month Maximum Term |
8.75% |
|
| 1997-2000 36 Month Maximum Term |
9.75% |
|
| Signature Loans |
| | APR* as low as | Approx. Payment (per $1,000) |
|---|
| Flex Line of Credit |
6.99 |
|
| Signature/Line of Credit (max term 60 mos) | 9.99% | $21.25 |
| VISA Classic | 12.99% | |
| VISA Gold | 9.99% | |
| 100% Share Secured (max term 60 mos) | 5.00% | |
| 100% Certificate Secured (term=term of cert.) | 5.00% | |
| Stock Secured (65% value, max term 60 mos) |
6.75% |
|
| Home Equity Loans & Lines** |
| | APR* as low as | Approx. Payment (per $1,000) |
|---|
| 2nd Mtg - fixed rate (0-80% LTV, max term 15 yrs) |
5.75% | |
| 2nd Mtg - fixed rate (80-90% LTV, max term 15 yrs) |
7.25% | |
| H.E. Line of Credit - variable rate (0-80% LTV) |
5.00% | |
| H.E. Line of Credit - variable rate (80-90% LTV) |
6.50% | |
| Special Loans |
| | APR* as low as | Approx. Payment (per $1,000) |
|---|
| 2% Solution floor (home equity loans & lines excluded) | 5.00% | |
| Holiday Loan - 12 mos @ $1200.00 (Nov & Dec only) | 8.99% |
$87.45 |
*APR is Annual Percentage Rate. Restrictions may apply. Your final approved rate will be determined by your overall credit history as provided by TransUnion, Experian, and/or Equifax.
**Property insurance and flood insurance will be required on Home Equity Loans and Lines. Home Equity Line of Credit rate is variable and based on the Prime rate as published in The Wall Street Journal and can change quarterly (January 1, April 1, July 1, and October 1) based on the last day of every 3rd month, beginning 3/31/08. (As of 6/30/08 the Prime rate is 5.00%)
