Loan Rates
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Shared Secured Loan 4.00%
  • The cheapest and easiest way to borrow money. You pledge your shares or CD's
    up to the loaned amount. Not only do your shares continue to earn the current
    rate of interest, but also, as you pay down the loan, your funds can be released to you.
New Autos: (UNTITLED 12 & 11)
- Up To 48 Months 3.00%
- Up To 60 Months 3.25%
- Up to 72 Months 3.50%
Used Autos:
2011-2010 Up to 60 Months 3.75%
2009-2008 Up to 60 Months 4.00%
2007-2006 Up to 60 Months 4.50%
2005-2004 Up to 36 Months 5.00%
2003-2002 Up to 36 Months 5.25%
Signature Loans:
- 24 Months up to $2,000 12.00%
- 48 Months up to $5,000 12.50%
  • Must have 2(two) monthly payments pledged in shares.
Lines of Credit: 12.00%
- Maximum Loan Amount is $3,000.00.
- Maximum Loan Term is 36 Months.
- Must have 2(two) monthly payments pledged in shares.
HOME EQUITY CLOSED END LOAN:
UP TO 60 MONTHS at 6.25%APR
UP TO 180 MONTHS at 7.75%APR
MAXIMUM AMOUNT OF EQUITY IS
$60,000.00
Application Fee of $381.50. Satisfaction and Parcel Fee of $38.50 (due at payoff of loan).
Review and Extension Fee of $50.00 (due at review/extension time).
Home Equity Lines of Credit:
  • Use the Equity in your house to consolidate bills, or make that really big purchase
    you have been putting off. The rate will be variable based on the 6 month
    Treasury Bill plus 3.5% rounded to the nearest quarter. Rates subject to change
    quarterly (First day of the quarter). Line of credit open for 5 years. Members pay
    costs. ($381.50 application fee for appraisal, Satisfaction / Parcel fee of $38.50 due at close,
    Extension fees $50.00 due at review/extension time.) $100,000 Maximum. For all other terms
    and conditions as well as the application, please contact the credit union office.
Motorcycle Loans:
2012-2011 (New) Up to 72 Months 5.00%
2011-2010 (Used) Up to 60 Months 6.00%
2009-2007 Up to 48 Months 7.00%
2006-2002 Up to 36 Months 7.50%
Boat Loans:
2012 - 2011 (New) Up to 84 Months 7.00%
2011-2005 Up to 60 Months 7.50%
2004-2002 Up to 36 Months 8.00%
RV Loans:
2012 - 2011 (New) Up to 60 Months 6.00%
2011-2002 Up to 48 Months 7.00%
Refinance:
Refinace auto loan from another finacial institution . 2.99%
* Rates apply to new loans at Family 1st Federal Credit Union
* A secured loan may be refinanced with a $500.00 minimum add-on upon credit committee approval.
* Members have the option to purchase Credit Life, Credit Disability and GAP Insurance on their loans. (certain terms may apply)
Extension of terms for used vehicles per credit committee approval:
Extension of 6 months an additional .25 added to rate.
Extension of 12 months an additional .50 added to rate.
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