All loans are subject to credit approval and all FFCU policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice.
APR=Annual Percentage Rate
1 A New Teacher is defined as a full-time California teacher with 3 years or less of teaching experience. Direct deposit is required. The auto loan offer expires within 90 days of membership open date. Auto loan requires automatic payments from an FFCU checking account. Extended loan terms are available at a higher loan rate. Call for complete information.
2 Free Checks for Life applies to FFCU image checks.
3 Surcharge-free transactions are available for debit and ATM card holders of participating credit unions.
4 The rate you receive depends on your credit history.
5 Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans.
6 Summer Skips is a special benefit that allows eligible members to skip select loan payments in July and August. No late fees (or penalty credit card APR) will apply. Interest and finance charges will continue to accrue on the unpaid balances. If you elect to “skip” your summer payment(s) and make only your minimum payment(s) in the future, it will take longer to pay off the unpaid balance or there will be a balloon payment upon the maturity date and the total finance charges you will pay will be higher than if you make your regularly scheduled payments. In order to qualify for Summer Skips, payments must be paid/current through June to qualify for July and August skips.
7 3.74% APR is for new and used auto loans up to 60 months. Payment example: 60 monthly payments of $18.30 per $1,000 borrowed at 3.74% APR. In order to receive the rate, automatic payments from your First Financial checking account and 2 qualifying relationships are required. Rates subject to change based on market conditions and borrower eligibility. Other rates and terms available.