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Loan Rates
| Rates effective 03/01/2005. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Your actual rate may vary. Rates may change without notice. |
| LOAN TYPE |
Repayment
Period |
ANNUAL PERCENTAGE RATE |
CONDITIONS |
| Personal |
12 months |
16.9% |
$300 - $999 |
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24 months |
15.9% |
$1,000 - $2,499 |
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36 months |
14.9% |
$2,500 - $4,999 |
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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 |
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|
11.9% |
$5,000 - $14,999 |
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|
10.9% |
$15,000 - Over |
|
| Personal Computer |
24 months |
7.9% |
$0 - $2,499 |
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36 months |
7.9% |
$2,500 - $4,999 |
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48 months |
7.9% |
$5,000 - $7,500 |
| 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. |
| LOAN TYPE |
ANNUAL PERCENTAGE RATE |
CONDITIONS |
| Visa Classic |
1.9% first 6 months* |
Minimum credit limit $1,000 |
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10.9% thereafter |
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| Visa Gold |
1.9% first 6 months* |
Minimum credit limit $5,000 |
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8.9% thereafter |
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| Visa Preferred Gold |
1.9% first 6 months* |
Minimum credit limit $15,000 |
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7.9% thereafter |
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| Visa First Start |
15.9% |
Maximum credit limit $500 |
|
| Visa Secured |
15.9% |
Maximum credit limit $2,500 |
* For cardholders opening accounts after 1/1/03
| 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. |
| LOAN TYPE |
REPAYMENT
PERIOD |
ANNUAL PERCENTAGE RATE |
CONDITIONS |
New Auto
Current Model Year |
up to 36 months |
5.40% |
20% down |
| |
|
5.40% |
0% down |
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up to 48 months |
5.40% |
20% down |
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|
5.40% |
0% down |
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up to 60 months |
5.40% |
20% down |
| |
|
5.40% |
0% down |
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up to 72 months
min. loan amount $20,000 |
5.40% |
20% down |
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|
5.40% |
0% down |
|
Used Auto
2005-2008 |
up to 36 months |
5.40% |
20% down |
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|
5.40% |
0% down |
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up to 48 months |
5.40% |
20% down |
| |
|
5.40% |
0% down |
| |
up to 60 months |
5.40% |
20% down |
| |
|
5.40% |
0% down |
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up to 72 months
min. loan amount $20,000 |
5.40% |
20% down |
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|
5.40% |
0% down |
|
Used Auto
2001-2004 |
up to 36 months |
6.4% |
20% down |
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|
6.4% |
0% |
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up to 48 months |
6.4% |
20% down |
| |
|
6.4% |
0% down |
Boat, Mobile Home and Recreational Vehicle Loans Apply Online !
| 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. |
| LOAN TYPE |
REPAYMENT
PERIOD |
ANNUAL PERCENTAGE RATE |
| 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% |
Home Equity Fixed Rate Loans Apply Online !
Rates effective 03/25/2008. 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.) |
| TERM |
ANNUAL PERCENTAGE RATE |
CONDITIONS |
| up to 15 years |
6.25% + no points |
to 80% of value |
| |
7.25% + no points |
to 90% of value |
| up to 5 years |
6.00% + no points |
to 80% of value |
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7.00% + no points |
to 90% of value |
Rates effective 04/01/2008. 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.) |
| LOAN TYPE |
ANNUAL PERCENTAGE RATE |
CONDITIONS |
| Home Equity Lines of Credit |
1.9% first 6 months*
5.00 % thereafter |
to 70% of value |
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1.9% first 6 months*
5.25 % thereafter |
to 80% of value |
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1.9% first 6 months*
5.50 % thereafter |
to 90% of value |
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1.9% first 6 months*
6.50 % thereafter |
over 90% of value |
| "Prime Minus 1/2%" |
1.9% first 6 months*
4.75 % thereafter |
to 80% of value
min. $60,000 credit line |
* For cardholders opening accounts after 1/1/03
| Rates effective 03/01/2005. Rates may change without notice. |
| LOAN TYPE |
REPAYMENT
PERIOD |
ANNUAL PERCENTAGE RATE |
CONDITIONS |
| 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 |
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