Deposit Accounts and Investment Rates

Account Minimum Balance Rate/APY​1
Savings $100 0.0​25% / 0.0​25%
Money Market Savings​2 $.01 - $2,499.99
$2,500-$9,999
$10,000-$24,999
$25,000-$99,999
$100,000+
0.050% / 0.050%
0.​100% / 0.​100%
0.​150% / 0.​150%
0.​200% / 0.​200%
0.​300% / 0.​300%
Student Savings $5 0.0​25% / 0.0​25%
Flexible Savers $50 0.0​25% / 0.0​25%
Summer Savers​3 $50 0.0​25% / 0.0​25%
IRA Savings​4 $5 0.0​25% / 0.0​25%
Super Savers5
$500
Plus Checking Account
Plus Direct Deposit or
Payroll Deduction
​& ​1 elective
​& ​2 electives
​& 3 electives
0.100% / 0.​1​00%new banner
0.1​50% / 0.1​50%new banner

0.​​​250% / 0.​​250%new banner
0.​​300% / 0.​300%new banner
0.​​400% / 0.​​400%new banner
0.​​​​​600% / 0.​600%new banner

1 APY = Annual Percentage Yield
2 Rates effective as of ​​​01/​​​​​​​​​01/17
3 Must mature in July or August 201​​7
4 Includes Roth IRA and Educational IRA accounts 
5 You 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. Anticipated rates for ​​​1Q 201​7. Rates are subject to change without notice. A minimum opening deposit is required. Please see your Truth-in-Savings Agreement for details.
Term

Minimum Opening Deposit

APY​1
3 Months

$500

0.400%new banner
6 Months

$500

0.550%new banner
12 Months

$500

​1.​​250%
18 Months

$500

​1.​​500%new banner
24 Months

$500

1.625%new banner
3​6 Months

$500

1.750%new banner
60 Months

$500

1.875%new banner

1APY = Annual Percentage Yield. Effective ​​​​as of ​​January 3, 2017.
Term

Minimum Opening Deposit

APY​1
36 Months

$500

1.750%new banner
60 Months (Roth only)

$​500

1.875%new banner

1 APY = Annual Percentage Yield. Effective ​​​as of ​​​January 3, 201​7.
Account

Minimum Balance

Rate/APY1
Prime

$1,000

0.025%

1
APY = Annual Percentage Yield. Effective​ ​​January ​1, 201​7
Rates are effective ​​​as of ​​​January 1, 201​7 unless otherwise noted. Anticipated dividends for ​1st Quarter 201​​7. 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 earnings

Consumer Loan Rates

Loan Type APR Product Information
Platinum Visa Credit Card As low as 9.90%1

Benefit from one of the lowest interest rates around.

1 The rate you will receive depends on your credit history. Please refer to the Credit Card Agreement for complete details.
Loan Type APR Product Information
  Auto Loans    
New/Used As low as 2.99%​​1 Up to 125% financing, including tax & license, with terms up to 60 months. (Total financing based on year of vehicle.)
  Specialty Vehicles

Motorcyles As low as 4.99%2 Includes Motor Scooters
RVs As low as 5.49%3 Recreational Vehicles includes: RVs, Fifth-Wheel, Travel Trailer, Truck Camper and Pop-Up Campers

APR= Annual Percentage Rate.

12.99% APR is for new and used auto loans up to 60 months (84 months may be available). Current First Financial auto loans are not eligible. Monthly payments must be automatically debited from your FFCU checking account and you must have an active Visa account with FFCU and must be a repeat auto loan borrower from First Financial. Representative Example: 60 monthly payments of $17.97 per $1,000 borrowed at 2.99% APR. Interest accrues during deferral period. Call for complete details.
24.99% APR is for new and used Motorcycle Products up to 35 months. Representative example: 35 monthly payments of 30.77 per $1,000 borrowed at 4.99%APR.
35.49% APR is for new and used RV products up to 180 months. Representative example: 180 monthly payments of $8.17 per $1,000 borrowed at 5.49%APR.
Loan Type APR Product Information
Personal Signature
Loan
As low as ​
13.​50%​​1

Variable ​rate loan/line of credit


​1 Representative example: A $5,000 unsecured loan at a rate of 13.​50% for 44 months would require 44 monthly payments of $14​4.​72. Rate subject to increase after consummation and may vary on a quarterly basis.

Loan Type

Term

Rate

APR

Maximum Loan Amount

Maximum Combined Loan-to-Value (CLTV)

Payment1

Fixed-Rate Home Equity Loans
10 Year
5.49% - 6.50%
5.59% - 6.12%
$200,000
80%
$10.98
 
15 Year
5.74%
5.18%
$200,000
80%
$8.​31
 
​20 Year
​5.​99%
​6.​05%
$200,000
80%
$7.​17
APR = Annual Percentage Rate
CLTV = Combined Loan to Value

1Estimated payment per $1000 borrowed.
Rates listed are effective as of ​​1/​​​​​​​​​​​​​​​​​​0​​1/2017 and subject to change without notice. Minimum loan amount is $10,000. Eligible properties are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums. 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.  The interest rate and payments are fixed for a term up to term listed, fully amortized.  Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.  An approved application is required for a rate to be locked.  All loans subject to approval.

Loan Type

Rate1

APR2

Margin

Maximum Loan

Maximum CLTV

Estimated Payment3

Home Equity Line of Credit
5.​50% - 7.50%
5.​50% - 7.50%
2.00% - 4.00%
up to $200,000
80%
$100
APR = Annual Percentage Rate
CLTV = Combined Loan to Value
1Current 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.
2Variable APR; May increase after loan consummation. Highest rate that can be charged is 18.00% APR.
3Estimated payment per $1,000 borrowed. Minimum payment is $100 monthly or 1.25% of outstanding balance whichever is higher for the first 10 years. The remaining 15-year term is fully amortized. 

Rates listed are effective as of 1/​0​​1/2017 and subject to change without notice. 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. An approved application is required for pricing to be determined.  Variable rate; rate and payment subject to change after loan consummation.
For the latest Mortgage rates, click HERE.
APR = Annual Percentage Rate.
Loan rates as of ​​​​​​​​​​​​January 1, 201​7. 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.

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