Rates

Loan Rates

Vehicles & Motorcycles

Account Type	Model Year	Term	APR
New (Including Classics)	2011 - 2013	12 Month	as low as 2.19%
	2011 - 2013	24 Month	as low as 2.19%
	2011 - 2013	36 Month	as low as 2.29%
	2011 - 2013	48 Month	as low as 2.39%
	2011 - 2013	60 Month	as low as 2.49%
	2011 - 2013	72 Month	as low as 2.59%
	2011 - 2013	84 Month	as low as 2.69%
Used	2008 - 2010	12 Month	as low as 2.54%
	2008 - 2010	24 Month	as low as 2.54%
	2008- 2010	36 Month	as low as 2.64%
	2008 - 2010	48 Month	as low as 2.74%
	2008 - 2010	60 Month	as low as 2.84%
Older (Excluding Classics)	2007 & Older	12 Month	as low as 7.14%
	2007 & Older	24 Month	as low as 7.14%
	2007 & Older	36 Month	as low as 7.24%
	2007 & Older	48 Month	as low as 7.34%
	2007 & Older	60 Month	as low as 7.44%
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value up to 100% as determined by credit score. Monthly payments for a 5 year new vehicle loan would be $17.75 per $1,000 borrowed. Monthly payments for a 5 year used vehicle loan would be $17.90 per $1,000 borrowed. Monthly payments for a 5 year older vehicle loan would be $20.02 per $1,000 borrowed.  Return to top

Recreational Use Vehicles & Equipment

Account Type	Term	APR
New & Used	12 Month	as low as 4.69%
	24 Month	as low as 4.69%
	36 Month	as low as 4.79%
	48 Month	as low as 4.89%
	60 Month	as low as 4.99%
	72 Month	as low as 5.09%
	84 Month	as low as 5.19%
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value of up to 100% as determined by credit score. Monthly payments for a 5 year recreational use vehicle or equipment loan would be $18.88 per $1,000 borrowed.  Return to top

Boats & Motor Homes

Account Type	Model Year	Term	APR
New	2011 - 2013	12 Month	as low as 6.04%
	2011 - 2013	24 Month	as low as 6.04%
	2011 - 2013	36 Month	as low as 6.14%
	2011 - 2013	48 Month	as low as 6.24%
	2011 - 2013	60 Month	as low as 6.34%
	2011 - 2013	72 Month	as low as 6.44%
	2011 - 2013	84 Month	as low as 6.54%
	2011 - 2013	96 Month	as low as 6.64%
	2011 - 2013	108 Month	as low as 6.74%
	2011 - 2013	120 Month	as low as 6.84%
	2011 - 2013	180 Month	as low as 7.84%
Used	2010 & Older	12 Month	as low as 6.55%
	2010 & Older	24 Month	as low as 6.55%
	2010 & Older	36 Month	as low as 6.65%
	2010 & Older	48 Month	as low as 6.75%
	2010 & Older	60 Month	as low as 6.85%
	2010 & Older	72 Month	as low as 6.95%
	2010 & Older	84 Month	as low as 7.05%
	2010 & Older	120 Month	as low as 8.05%
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value of up to 100% as determined by credit score. Monthly payments for a 5 year new boat or motor home loan would be $19.50 per $1,000 borrowed. Monthly payments for a 5 year used boat or motor home loan would be $19.74 per $1,000 borrowed.  Return to top

1st Lien Home Equity Loan

Account Type	Term	APR
Fixed Rate With Closing Costs	1-5 Years	as low as 2.49%
	6 -10 Years	as low as 2.99%
	11-15 Years	as low as 3.99%
Fixed Rate No Closing Costs	1-5 Years	as low as 2.49%
	6 -10 Years	as low as 3.99%
	11-15 Years	as low as 4.49%
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Membership eligibility is required. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $427.50 for a $50,000 loan or $502.50 for a $100,000 loan. Monthly payments for 10 years would be $9.66 per $1,000 borrowed. Payment amounts do not include taxes and insurance, actual payments may be greater. Fixed Rate No Closing Costs: If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $777.50 for a $50,000 loan or $1,227.50 for a $100,000. Monthly payments for 10 years would be $10.13 per $1,000 borrowed. Payment amounts do not include taxes and insurance, actual payments may be greater.                                                                                                                                                                                                                                                      Return to top

Home Equity Loans

Account Type	Term	APR
Fixed Rate	1-5 Years	as low as 2.49%
	6-10 Years	as low as 4.49%
	11-15 Years	as low as 4.99%
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Monthly payments for a 10 year home equity loan would be $10.36 per $1,000 borrowed. Payment amounts do not include taxes and insurance, actual payments may be greater. If closed within 3 years of the opening date, reimbursements for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $777.50 for a $50,000 loan or $1,227.50 for a $100,000 loan.                                                                                                                    Return to top

Home Equity Line of Credit

Account Type	APR
Introductory Rate	as low as 1.99% for six months
Variable Rate	as low as Prime Rate
*After 6 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin.  Prime rate as of 12/16/2008 is 3.25%.  Minimum Line of Credit loan is $7,500.  Rates can increase or decrease, but not to exceed 15.99% APR. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $777.50 for a $50,000 loan or $1,227.50 for a $100,000 loan.  Return to top

Mobile Homes

Account Type	Term	APR
Mobile Homes That Meet Home Equity Criteria	60 Months	as low as 5.49%
	120 Months	as low as 5.99%
	180 Months	as low as 6.49%
New Mobile Homes (Rented Land)	60 Months	as low as 9.05%
	120 Months	as low as 10.05%
Used Mobile Homes (Rented Land)	60 Months	as low as 9.55%
	84 Months	as low as 10.55%
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value of up to 80% as determined by credit score. Monthly payments for a 5 year Mobile Home That Meets Home Equity Criteria would be $19.11 per $1,000 borrowed. Monthly payments for a 5 year New Mobile Home (Rented Land) would be $20.80 per $1,000 borrowed. Monthly payments for a 5 year Used Mobile Home (Rented Land) would be $21.04 per $1,000 borrowed.  Return to top

Mortgage Loans

Account Type	Points	Rate	APR
30 Year Fixed Rate	0	4.25%	4.318%
20 Year Fixed Rate	0	4%	4.094%
15 Year Fixed Rate	0	3.375%	3.493%
FHA 30 Year Fixed Rate	0	4%	5.114%
FHA 15 Year Fixed Rate	0	3.5%	4.299%
Federal VA 30 Year Fixed Rate	0	4%	4.176%
Federal VA 15 Year Fixed Rate	0	3.5%	3.809%
Mortgage APRs are subject to change daily. Please contact a Representative for current rates.
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Personal Signature Loans

Account Type	Term	APR
Personal Signature Loan	12 Month	as low as 9.79%
	24 Month	as low as 9.89%
	36 Month	as low as 9.99%
	48 Month	as low as 10.09%
	60 Month	as low as 10.19%
Standard personal loans:Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Monthly payments for a 5 year personal signature loan would be $21.35 per $1,000 borrowed.      Return to top

Overdraft Lines of Credit

Account Type	APR
Overdraft Line of Credit	15.75%
Loan rates are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.  Return to top

Credit Cards

Account Type	APR	Comment
MasterCard®	13.90%	2.99%* APR Intro rate
VISA® Gold	11.90%	2.99%* APR Intro rate
VISA® Platinum	8.90%	With CURewards®
*2.99% APR applies to purchases and balance transfers made within 60 days of the account open date. Account must be in good standing to be eligible for this promotion. The 2.99% APR will remain on these balances until paid in full up to a maximum of 6 months. At that time, any outstanding balances will return to the standard current APR. Except as otherwise stated in this offer, balances created in conjunction with this promotion are subject to the terms of your existing Cardholder Agreement. This offer can not be used to pay off other First Source FCU obligations. Rates and terms are determined by overall credit history. Applications are subject to credit approval.                                                                                                                                                   Return to top

Share Account Rates

Share Accounts

Account Type	Minimum Balance to Earn Dividends	Dividend Rate	Annual Percentage Yield
Regular Share, IRA Share/SEP	$0.01 - $999.99	0.15%	0.15%
	$1,000.00 - $4,999.99	0.20%	0.20%
	$5,000.00 and Over	0.25%	0.25%
Club Account	$50.00	0.15%	0.15%
$5 minimum deposit required at account opening. Rates above are subject to change without notice.  Return to top

Only One Checking

Account Type	Minimum Balance to Earn Dividends	Dividend Rate	Annual Percentage Yield
Only One Checking	$2,500-$4,999	0.10%	0.10%
	$5,000-$7,499	0.15%	0.15%
	$7,500-$9,999	0.20%	0.20%
	$10,000 and Over	0.25%	0.25%
Fees can reduce the earnings on the account. Rates above are subject to change without notice.  Return to top

Money Market

Account Type	Minimum Balance to Earn Dividends	Dividend Rate	Annual Percentage Yield
Money Market & Money Market (IRA)	Under $5,000.00	no dividends earned	no dividends earned
	$5,000.00-$9,999.99	0.30%	0.30%
	$10,000.00-$24,999.99	0.40%	0.40%
	$25,000.00-$49,999.99	0.50%	0.50%
	$50,000.00 and Over	0.60%	0.60%
Rates above are subject to change without notice.  Return to top

Term Share Certificates

Account Type	Term	Minimum Balance to Earn Dividends	Dividend Rate	Annual Percentage Yield
Share Certificate	3 Months	$1,000.00	0.30%	0.30%
	6 Months	$1,000.00	0.40%	0.40%
	12 Months	$1,000.00	0.60%	0.60%
	24 Months	$1,000.00	1.00%	1.00%
	36 Months	$1,000.00	1.24%	1.25%
	48 Months	$1,000.00	1.49%	1.50%
IRA Certificate	12 Months	$1,000.00	0.60%	0.60%
	24 Months	$1000.00	1.00%	1.00%
	36 Months	$1,000.00	1.24%	1.25%
	48 Months	$1,000.00	1.49%	1.50%
Kirby Kangaroo Share Certificate	6 Months	$500.00	0.40%	0.40%
	12 Months	$500.00	0.60%	0.60%
	24 Months	$500.00	1.00%	1.00%
CU Succeed Share Certificate	6 Months	$500.00	0.40%	0.40%
	12 Months	$500.00	0.60%	0.60%
	24 Months	$500.00	1.00%	1.00%
Share rates and yields are subject to change without notice. Early withdrawal penalties may apply.  Return to top