Loan Rates

LOAN TYPE	Repayment Period	ANNUAL PERCENTAGE RATE	CONDITIONS
Rates effective 05/04/2009. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. Rates may change without notice.
Personal	12 months	16.9%	$300 - $999
	24 months	15.9%	$1,000 - $2,499
	36 months	14.9%	$2,500 - $4,999
	48 months	14.9%	$5,000 - $7,499
	60 months	14.9%	$7,500 - Over

Lines of Credit	Open end	17.9%	$300 - $999
		12.9%	$1,000 - $4,999
		11.9%	$5,000 - $14,999
		10.9%	$15,000 - Over

Personal Computer	24 months	7.9%	$0 - $2,499
	36 months	7.9%	$2,500 - $4,999
	48 months	7.9%	$5,000 - $7,500

Tuition Loan	Up to 12 months	7.9%	Maximum $10,000 per account

LOAN TYPE	ANNUAL PERCENTAGE RATE	CONDITIONS
Rates effective 01/01/2003. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. Rates may change without notice.
Visa Classic	1.9% first 6 months	Minimum credit limit $1,000
	10.9% thereafter

Visa Gold	1.9% first 6 months	Minimum credit limit $5,000
	8.9% thereafter

Visa Preferred Gold	1.9% first 6 months	Minimum credit limit $15,000
	7.9% thereafter

Visa First Start	15.9%	Maximum credit limit $500

Visa Secured	15.9%	Maximum credit limit $2,500

LOAN TYPE	REPAYMENT PERIOD	ANNUAL PERCENTAGE RATE	CONDITIONS
Rates effective 05/08/2008. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. Rates may change without notice. Rates shown excludes refinance of existing First Financial loans.
New Auto Current Model Year	72 months	5.40%	As low as 0% down min. loan amount $20,000 min. 680 beacon
	up to 60 months	5.40%	As low as 0% down

Used Auto 2006-2009	72 months	5.40%	As low as 0% down min. loan amount $20,000 min. 680 beacon
	up to 60 months	5.40%	As low as 0% down

Used Auto 2002-2005	up to 48 months	6.4%	As low as 0% down

Auto Refinanace 2006-2009	up to 72 months	2 % Below Current(pre-refi) Loan Rate	5.4% floor

Auto Refinanace 2002-2005	up to 48 months	2 % Below Current(pre-refi) Loan Rate	6.4% floor

LOAN TYPE	REPAYMENT PERIOD	ANNUAL PERCENTAGE RATE
Rates effective 09/01/2006. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. LTV is 'Loan to Value', and represents the loan amount as a percentage of the vehicle's appraised value. Rates may change without notice.
New Boat, RV & Mobile Home	up to 120 months up to 90% LTV	8.25 %
Used Boat, RV & Mobile Home	up to 78 months up to 85% LTV	9.00%

TERM	ANNUAL PERCENTAGE RATE	CONDITIONS
Rates effective 02/09/2009. If not primary residence, add 1% to the rate and up to 80% max LTV. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. Rates may change without notice. First Financial will pay for all closing costs up front on a new home equity fixed rate loan or line of credit when you use $10,000 of the loan immediately. (No closing costs for new loans or lines of credit only. Available for primary residences only. Maximum loan amount is $100,000.)
up to 15 years	5.75% + no points	to 80% of value

LOAN TYPE	ANNUAL PERCENTAGE RATE	CONDITIONS
Rates effective 1/01/2009. Home Equity Visas can only be secured by a Primary Residence. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. Rates may change without notice. First Financial will pay for all closing costs up front on a new home equity fixed rate loan or line of credit when you use $10,000 of the loan immediately. (No closing costs for new loans or lines of credit only. Available for primary residences only. Maximum loan amount is $100,000. All home equity lines of credit have a floor of 4%.)
Home Equity Lines of Credit	1.9% first 6 months 4.00 % thereafter	to 70% of value
	1.9% first 6 months 4.00 % thereafter	to 80% of value
	1.9% first 6 months 4.00 % thereafter	to 90% of value
	1.9% first 6 months 4.50 % thereafter	over 90% of value
"Prime Minus 1/2%"	1.9% first 6 months 4.00 % thereafter	to 80% of value min. $60,000 credit line

LOAN TYPE	REPAYMENT PERIOD	ANNUAL PERCENTAGE RATE	CONDITIONS
Rates effective 03/01/2005. Rates may change without notice.
Share Loan	up to 144 months	2% above share rate	up to balance of shares
Certificate Loan	term of Certificate	2% above Certificate rate	up to amount of Certificate

LOAN TYPE	Repayment Period	ANNUAL PERCENTAGE RATE	CONDITIONS
Rates effective 06/12/2008. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. Rates may change without notice.
Summer	11 months	8.9%	$1,500

The Fair Housing Act prohibits discrimination in housing based on color, race, religion, national origin, sex, familial status, or disability.

First Financial Federal Credit Union of Maryland is an equal housing lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.