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RatesLoan RatesVehicles & MotorcyclesRates effective May 11, 2012| Account Type | Model Year | Term | APR | | | | | New (Including Classics) | 2010 - 2012 | 12 Month | as low as 2.19% |  |  | | | | 2010 - 2012 | 24 Month | as low as 2.19% | | | | | | 2010 - 2012 | 36 Month | as low as 2.29% | | | | | | 2010 - 2012 | 48 Month | as low as 2.39% | | | | | | 2010 - 2012 | 60 Month | as low as 2.49% | | | | | | 2010 - 2012 | 72 Month | as low as 2.59% | | | | | | 2010 - 2012 | 84 Month | as low as 2.69% | | | | | Used | 2007 - 2009 | 12 Month | as low as 2.54% | | | | | | 2007 - 2009 | 24 Month | as low as 2.54% | | | | | | 2007 - 2009 | 36 Month | as low as 2.64% | | | | | | 2007 - 2009 | 48 Month | as low as 2.74% | | | | | | 2007 - 2009 | 60 Month | as low as 2.84% | | | | | Older (Excluding Classics) | 2006 & Older | 12 Month | as low as 7.14% | | | | | | 2006 & Older | 24 Month | as low as 7.14% | | | | | | 2006 & Older | 36 Month | as low as 7.24% | | | | | | 2006 & Older | 48 Month | as low as 7.34% | | | | | | 2006 & 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. Rates quoted include a .25% relationship discount which consists of automatic loan payment and a checking account or direct deposit. 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.
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Recreational Use Vehicles & EquipmentRates effective May 11, 2012| 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. Rates quoted include a .25% relationship discount which consists of automatic loan payment and a checking account or direct deposit. 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.
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Boats & Motor HomesRates effective May 11, 2012| Account Type | Model Year | Term | APR | | | | | New | 2010 - 2012 | 12 Month | as low as 6.04% | | | | | | 2010 - 2012 | 24 Month | as low as 6.04% | | | | | | 2010 - 2012 | 36 Month | as low as 6.14% | | | | | | 2010 - 2012 | 48 Month | as low as 6.24% | | | | | | 2010 - 2012 | 60 Month | as low as 6.34% | | | | | | 2010 - 2012 | 72 Month | as low as 6.44% | | | | | | 2010 - 2012 | 84 Month | as low as 6.54% | | | | | | 2010 - 2012 | 96 Month | as low as 6.64% | | | | | | 2010 - 2012 | 108 Month | as low as 6.74% | | | | | | 2010 - 2012 | 120 Month | as low as 6.84% | | | | | Used | 2009 & Older | 12 Month | as low as 6.55% | | | | | | 2009 & Older | 24 Month | as low as 6.55% | | | | | | 2009 & Older | 36 Month | as low as 6.65% | | | | | | 2009 & Older | 48 Month | as low as 6.75% | | | | | | 2009 & Older | 60 Month | as low as 6.85% | | | | | | 2009 & Older | 72 Month | as low as 6.95% | | | | | | 2009 & Older | 84 Month | as low as 7.05% | | | | Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates quoted include a .25% relationship discount which consists of automatic loan payment and a checking account or direct deposit. 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.
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1st Lien Home Equity LoanRates effective May 11, 2012| Account Type | Term | APR | | | | | Fixed Rate With Closing Costs | 1-5 Years | as low as 2.99% | | | | | | 6 -10 Years | as low as 3.49% | | | | | | 11-15 Years | as low as 4.24% | | | | | Fixed Rate No Closing Costs | 1-5 Years | as low as 2.99% | | | | | | 6 -10 Years | as low as 3.99% | | | | | | 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. Membership eligibility is required. Rates quoted include a .25% relationship discount which consists of automatic loan payment and a checking account or direct deposit. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
Fixed Rate With Closing Costs: Fees vary depending on loan amount and can be as low as $350 for a $50,000 loan or $725 for a $100,000 loan. Monthly payments for 10 years would be $9.89 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 $735 for a $50,000 loan or $1,185 for a $100,000. Monthly payments for 10 years would be $10.12 per $1,000 borrowed. Payment amounts do not include taxes and insurance, actual payments may be greater.
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Home Equity LoansRates effective May 11, 2012| Account Type | Term | APR | | | | | Fixed Rate | 1-5 Years | as low as 2.99% | | | | | | 6-10 Years | as low as 4.74% | | | | | | 11-15 Years | as low as 5.24% | | | | Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates quoted include a .25% relationship discount which consists of automatic loan payment and a checking account or direct deposit. 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 $10.49 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 $735 for a $50,000 loan or $1,185 for a $100,000 loan.
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Home Equity Line of CreditRates effective May 11, 2012| 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 $735 for a $50,000 loan or $1,185 for a $100,000 loan.
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Mobile HomesRates effective May 11, 2012| 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. Rates quoted include a .25% relationship discount which consists of automatic loan payment and a checking account or direct deposit. 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.
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Mortgage LoansRates effective May 17, 2012Personal Signature LoansRates effective May 11, 2012| 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. Rates quoted include a .25% relationship discount which consists of automatic loan payment and a checking account or direct deposit.
Monthly payments for a 5 year personal signature loan would be $21.35 per $1,000 borrowed.
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Overdraft Lines of CreditRates effective May 11, 2012| 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.
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Credit CardsRates effective May 11, 2012| 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. Loan rates and terms are determined by overall credit history. Applications are subject to credit approval.
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Share Account RatesShare AccountsRates effective May 11, 2012
| 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 | 0.25% | 0.25% | | | | | | $5,000.00 and Over | 0.40% | 0.40% | | | | | Club Account | $50.00 | 0.15% | 0.15% | | | | Share Rates and Annual Percentage Yields are determined by the Board of Directors and accurate as of the last dividend declaration date of March26, 2012 and are subject to change without notice. $5 minimum deposit required at account opening.
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CheckingRates effective May 11, 2012| Account Type | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield | | | | | Premier & Premier Plus Checking | $0.01 - $999.99 | 0.10% | 0.10% | | | | | | $1,000.00 - $4,999.99 | 0.15% | 0.15% | | | | | | $5,000.00 and Over | 0.25% | 0.25% | | | | Share Rates and Annual Percentage Yields are determined by the Board of Directors and accurate as of the last dividend declaration date of March 26, 2012 and are subject to change without notice.
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Money MarketRates effective May 11, 2012| 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 | 0.50% | 0.50% | | | | | | $10,000.00-$24,999.99 | 0.60% | 0.60% | | | | | | $25,000.00-$49,999.99 | 0.70% | 0.70% | | | | | | $50,000.00 and Over | 0.80% | 0.80% | | | | Share Rates and Annual Percentage Yields are determined by the Board of Directors and accurate as of the last dividend declaration date of March 26, 2012 and are subject to change without notice.
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Term Share CertificatesRates effective May 11, 2012| Account Type | Term | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield | | | | | Share Certificate | 3
Months | $1,000.00 | 0.40% | 0.40% | | | | | | 6
Months | $1,000.00 | 0.60% | 0.60% | | | | | | 12 Months | $1,000.00 | 0.80% | 0.80% | | | | | | 24 Months | $1,000.00 | 1.29% | 1.30% | | | | | | 36 Months | $1,000.00 | 1.79% | 1.80% | | | | | | 48 Months | $1,000.00 | 2.03% | 2.05% | | | | | IRA Certificate | 12 Months | $1,000.00 | 0.80% | 0.80% | | | | | | 24 Months | $1000.00 | 1.29% | 1.30% | | | | | | 36 Months | $1,000.00 | 1.79% | 1.80% | | | | | | 48 Months | $1,000.00 | 2.03% | 2.05% | | | | | Kirby Kangaroo Share Certificate | 6
Months | $500.00 | 0.60% | 0.60% | | | | | | 12 Months | $500.00 | 0.80% | 0.80% | | | | | | 24 Months | $500.00 | 1.29% | 1.30% | | | | | CU Succeed Share Certificate | 6
Months | $500.00 | 0.60% | 0.60% | | | | | | 12 Months | $500.00 | 0.80% | 0.80% | | | | | | 24 Months | $500.00 | 1.29% | 1.30% | | | | Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. For current rate information, please call 735-8571.
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