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Loan Rates
Effective as of June 27th 2008
Consumer Loans
Term
APR
New Cars (2007 & newer models)*
Get an additional .50% off auto loan rates by having a checking account with direct deposit!
1-60 mos
61-72 mos

As low as 5.75%
As low as 6.49%
Used Cars (2005-2006 models)*
1-60 mos

As low as 6.25%
Used Cars (2003-2004 models)*
1-60 mos
As low as 6.90%
Used Cars (2002& older)*
1-60 mos
As low as 8.65%
Special Interest Vehicles
1-60 mos.
As low as 7.00%
Personal Loan
12-24 mos
36-48 mos
49-60 mos
As low as 10.40%
As low as 10.85%
As low as 11.10%
Misc. Secured
12-24 mos
36-48 mos
49-84 mos
As low as 10.40%
As low as 10.85%
As low as 11.10%
New Boats, RV, Motorhomes
12-60 mos
61-120 mos
As low as 8.40%
As low as 8.95%
Used Boats, RV, Motorhomes
12-60 mos
61-120 mos
As low as 8.95%
As low as 9.95%
Share Secured
Rate may adjust quarterly.
1 - 144 mos.
Dividend Rate + 3%
Certificate Secured
Rate adjusted at certificate maturity.
1 - 144 mos.
Dividend Rate + 3%
Visa Credit Card
No Annual Fee, 25 Day grace period.
Click Here for full Visa Disclosure.
Classic
As low as 10.40%
Platinum
 6 month introductory rate: 4.95% APR; Then Fixed rate of 8.90% APR
MoneyLine (Line of Credit)  
15.90%
 
Home Rates
Home Loans
Term
APR
Home Improvement
1-60 mos
61-120 mos

As low as 7.25%
As low as 8.25%

Home Equity: Closed End Fixed(1)(3)Maximum Loan to Value 100%

No Closing Cost
1-60 mos

As low as 7.75%

Home Equity: Closed End Fixed(1)(3)Maximum Loan to Value 100%

No Closing Cost
61-120 mos
As low as 9.00%
Closed End Variable(1)Maximum LTV: 90%
No Closing Cost
180 mos
36 mos. Intro Rate of 6.00% After Intro Period:Prime+0% Rate may adjust quarterly.
Closed End Variable(1)(3)Maximum LTV: 100%
No Closing Cost
180 mos
36 mos. Intro Rate of 6.00% After Intro Period:Prime+1.00% Rate may adjust quarterly.
Home Equity Line of Credit(2) Maximum LTV: 80%
No Closing Cost
4 mos. Introductory Rate 3.99%
After Intro period:Prime -.25% Rate may adjust quarterly.

Home Equity Line of Credit(2) Maximum LTV: 80.01-90%
No Closing Cost
4 mos. Introductory Rate 3.99%

After Intro period:Prime +.25% Rate may adjust quarterly.

Home Equity Line of Credit(2)(3) Maximum LTV: 90.01-100%
No Closing Cost
4 mos. Introductory Rate 3.99%

After Intro period:Prime +.95% Rate may adjust quarterly.
NEW Mobile Home
Down Payment Required
1-180 mos.
Prime + 3.5%
USED Mobile Home
Call for details
1-120 mos.
Prime + 5.0%

Disclosure:
Membership eligibility required. Loans subject to credit approval and application. Actual rates may vary.

Prime rate as of 6/27/2008 listed in the Wall Street Journal is 5.00%. Family First FCU is an equal housing lender.

*Stated APR's are the lowest available for the model years and terms listed. Your auto loan rate will be determined by your credit score, model year of vehicle, and term of loan.

(1) Home Equity Closed End, fixed or variable less than $15,000, member must pay closing costs.

(2) Home Equity closing costs must be paid back if loan is paid off and closed within the first 36 months. Home Equity line of credit has a 10 year draw period with a 20 year repayment period.

(3) Subject to credit eligibility.

 
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