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Save with First Financial Yields and Rates

Share Accounts

Effective: 7/10/19
AccountMinimum BalanceRateAPY1
Savings$1000.0​25%0.0​25%
Money Market Savings​$.01 - $2,499.990.​100%0.​100%
 $2,500-$9,9990.​​300%0.​​300%
 $10,000-$24,9990.400%0.​​400%
 $25,000-$99,9990.​​500%0.​​500%
 $100,000+0.​500%0.​500%
Student Savings$50.0​25%0.0​25%
Flexible Savers$500.0​25%0.0​25%
Summer Savers2$500.0​25%0.0​25%
IRA Savings​3$50.0​25%0.0​25%
SuperSavers4$5000.100%0.100%
 Plus Checking Account0.150%0.150%
 Plus Direct Deposit or Payroll Deduction0.​​​200%0.200%
 & ​1 elective0.​300%0.​300%
 ​& ​2 electives0.​​400%0.​​400%
 ​& 3 electives0.​650%0.​650%
1APY = Annual Percentage Yield.  Anticipated dividends for 3Q 2019. Required interest payouts for certain accounts. Rates may vary after account is opened and are subject to change without notice. A minimum opening deposit is required. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred. See Truth-in-Savings Agreement for complete details. Regulations prohibit paying dividends in excess of available earning.
2Must mature in July or August 2019
3Includes Roth IRA and Educational IRA accounts
4You must have a First Financial Credit Union (FFCU) Checking Account and either Direct Deposit or Payroll Deduction to be eligible to earn additional dividends from other qualifying FFCU services. You must maintain the average daily balance of $500 to avoid closure of this account and to receive yields. Fees may be charged monthly if balance falls below $500 at any time within a calendar month. Note: Dividend yield will be increased for a maximum of 5 elective products/services, 2 of which must be checking and Direct Deposit/Payroll Deduction; any additional electives will not result in further increases. In addition, the elective products/services must be under the same account number as your Super Savers account. APY paid on average daily balance and on all eligible electives on the last business weekday of the quarter. Qualifying FFCU services include any of the following: mortgages, home equity loans, home equity line of credit, auto, RV and motorcycle loans, and eStatements. Certain other qualifying services will only count as one service each from the following categories, regardless of the number of these services that you have: unsecured personal loans (including lines of credit), credit cards, share certificates (excluding IRA certificates), Money Market Savings accounts, and IRAs. Other restrictions may apply. Regulations prohibit paying dividends in excess of available earnings. The Board of Directors declares rates on a quarterly basis. All rates are correct at time of publication. Rates are subject to change without notice. A minimum opening deposit is required.

Share/IRA/ROTH EDUCATIONAL Certificates

Effective: 7/10/19
TermMinimum Opening DepositAPY1
3 Months$5000.​25%
6 Months-Limited Time Only2$5002.​00%
12 Months$5001.00%
18 Months$5001.25%
24 Months$5001.50%
3​6 Months$5001.60%
60 Months$5001.75%
1APY=Annual Percentage Yield. Required interest payout for certain accounts. Anticipated dividends for 3Q 2019. Required interest payouts for certain accounts. Rates may vary after account is opened and are subject to change without notice. A minimum opening deposit is required. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred.
2Not eligible for internal transfer from another First Financial account.
See Truth-in-Savings Agreement for complete details. Regulations prohibit paying dividends in excess of available earning.

Checking Accounts

Effective: 7/10/19
AccountMinimum BalanceRate/APY1
Prime$1,0000.​15%
1APY=Annual Percentage Yield. Must maintain the minimum daily balance of $1,000 in this Account to avoid a monthly Low Balance Fee as set forth in the Fee Schedule and to earn the disclosed APY. Anticipated dividends for 3Q 2019. Required interest payouts for certain accounts. Rates may vary after account is opened and are subject to change without notice. A minimum opening deposit is required. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred. See Truth-in-Savings Agreement for complete details. Regulations prohibit paying dividends in excess of available earning.

Loan Accounts

Effective: 7/10/19
Loan TypeAPR (as low as)Product Information
Platinum Visa Credit Card19.90%Benefit from one of the lowest interest rates around.
New/Used Autos22.99%​​Up to 125% financing, including tax & license, with terms up to 60 months. (Total financing based on year of vehicle.)
Motorcyles34.99%Includes Motor Scooters
Recreational Vehicles45.49%Recreational Vehicles includes: RVs, Fifth-Wheel, Travel Trailer, Truck Camper and Pop-Up Campers
APR= Annual Percentage Rate. All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Other terms and conditions subject to change without notice. Call for complete details.
1The rate you will receive depends on your credit history. Please refer to the Credit Card Agreement for complete details.
APR=Annual Percentage Rate.
22.99%​​ APR is for new and used auto loans up to 60 months. Discounts require automatic payments from your FFCU checking account and qualifying products and/or services. Example: 60 monthly payments of $17.97 per $1,000 borrowed at 2.99%​​ APR. Call for complete details.
34.99% APR is for new and used Motorcycle Products up to 35 months. Representative example: 35 monthly payments of 30.76 per $1,000 borrowed at 4.99% APR.
45.49% APR is for new and used RV products up to 60 months. Representative example: 60 monthly payments of $19.10 per $1,000 borrowed at 5.49% APR. 

First Mortgage

Effective: 7/10/19
Loan TypeTermRate
First Mortgagesup to 30 yearsCheck Rates
All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Other terms and conditions subject to change without notice. Call for complete details.

Home Equity Line of Credit (Variable Rate)

Effective: 7/10/19
Promotional Annual Percentage Rate (APR)1Annual Percentage Rate (APR)2Index3MarginPeriodic Rate CapsLoan LimitsMaximum Combined Loan to Value (CLTV)
3.74%6.00% - 8.25%Wall Street Prime0.50% - 2.75%0.50% Quarterly$25,000 to $200,00080%
All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Other terms and conditions subject to change without notice. Call for complete details.

1
The introductory rate applies to any advances made during the 12 month introductory period and no other discounts apply during this period. After the introductory period, your rate will be variable and will range from 6.00% and 8.25% APR depending on your credit qualifications. Not valid for refinances of current FFCU loans. The rate listed after the introductory period reflects a 0.25% APR discount for automatic payment from a FFCU checking account. The variable rate is subject to change on the first day of each calendar quarter based on changes in The Wall Street Journal Prime Rate plus a margin. The maximum APR under the plan is 15.50%.
2APR=Annual Percentage Rate. The APR is variable and subject to quarterly rate adjustments. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. A minimum credit qualifying score is required. Rates subject to change without notice. Disclosed APR reflects undiscounted rate. A 0.25% Relationship Discount is available for automatic payment from FFCU Checking Account
3Index is the current highest "prime rate" as reported in The Wall Street Journal on the last business day of the month preceding the start date of each billing cycle.

Payments: The minimum payment will be calculated monthly to repay the balance at the current rate and maturity date or $100, whichever is greater, plus all unpaid finance charges, and other charges.
Lifetime Maximum Rate: May not exceed 15.50% APR.
Annual Fee: $75 Annually, waived with $2,500 minimum balance on anniversary date
Third party settlement costs between $500 and $1,500 will be incurred depending on the HELOC limit and will be waived or paid by us. However, if during the period ending on the 3rd anniversary date, your account balance is paid off ($0.00) and closed, the waived fees will be added to your account balance
Eligible properties are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums.

Home Equity Loans (Fixed-Rate)

Effective: 7/10/19
TermLoan LimitsMaximum Combined Loan to Value (CLTV)APR
$25,000-$99,999
Estimated Payment per $1,000 BorrowedAPR
$100,000+
Estimated Payment per $1,000 Borrowed
10 Year$25,000 - $250,00089%6.00%$11.115.00%$10.61
15 Year$25,000 - $250,00089%6.00%$8.445.00%$7.91
20 Year$25,000 - $250,00089%6.25%$7.315.25%$6.74
All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Other terms and conditions subject to change without notice. Call for complete details.

1APR=Annual Percentage Rate. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice. Disclosed APR reflects undiscounted rate. A 0.25% Relationship Discount is available for automatic payment from FFCU Checking Account.

Eligible properties
are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums.
Payments: Sample payments don't include amounts for taxes and insurance premiums.
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