Loan Rates - First Community Federal Credit Union

Effective as of October 26, 2009. Subject To Change Daily - Call (269) 382-9845
Main Office Located at: 550 South Riverview, Parchment, MI 49004

New & Used Vehicles, Recreational Vehicles and More

New & Used Vehicles - You can reduce new and used vehicle, signature or home improvement loan rate by up to 0.50% with our Member Advantage Program!
New Vehicles Including Untitled 2008/2009 Vehicles		Used Vehicles Model Year 2004 or Newer
Terms	APR As Low As*	Terms	APR As Low As*
36 Months	5.00%	24 Months	5.50%
48 Months	5.50%	36 Months	6.00%
60 Months	6.00%	48 Months	6.25%
		60 Months	6.75%

Recreational Vehicles (All Categories) Under $15,000
New		Used
Terms	APR As Low As*	Terms	APR As Low As*
48 Months	6.00%	48 Months	6.50%
60 Months	6.50%	60 Months	7.00%
72 Months	7.00%	72 Months	n/a

Recreational Vehicles (All Categories) $15,001-$49,999
New		Used
Terms	APR As Low As*	Terms	APR As Low As*
48 Months	5.00%	48 Months	6.00%
60 Months	5.50%	60 Months	6.50%
72 Months	6.00%	72 Months	7.00%
120 Months	6.50%	120 Months	N/A

Recreational Vehicles (All Categories) $50,000 and up
New Used
Terms	APR As Low As*	Terms	APR As Low As*
5 Yr Ball 15 Yr Am	6.00%	5 Yr Ball 15 Yr Am	7.00%

Signature Loans (Unsecured) - You can reduce new and used vehicle, signature or home improvement loan rate by up to 0.50% with our Member Advantage Program!		Home Improvement Loans - You can reduce new and used vehicle, signature or home improvement loan rate by up to 0.50% with our Member Advantage Program!
See Loan Officer for Maximum Loan Amount		See Loan Officer for Maximum Loan Amount
Terms	APR As Low As*	Terms	APR As Low As*
12 Months	9.25%	24 Months	8.00%
24 Months	9.50%	36 Months	8.50%
36 Months	9.75%	48 Months	9.00%
48 Months	10.25%	60 Months	9.50%
60 Months	10.50%

Note Loan
As low as*
Terms	APR As Low As*
12 Months	9.25%

*Actual Rate may vary based on credit score and loan term. Rate may be reduced by 0.25% when you elect for automatic monthly payment from your FCFCU deposit account. Ask about 0.25% new installment loan rate reduction with your AAA Membership "Show Your Card & Save" program.

100% Share Secured Loan and Personal Lines of Credit/Overdraft Protection

100% Share Secured Loan
Terms	Annual Percentage Rate
Up to 36 Months	4.00%
37 - 60 Months	4.50%

Smart Line (Variable Term) Limit Range $300 to $1,500
Rate (APR)	Using This Line of Credit
15.00%	Can be used as overdraft line of credit for Checking Account as well as personal line of credit.

First Reserve (Variable Term) Limit Range $1,500 to $25,000
Rate (APR)	Using This Line of Credit
As Low As 6.49%*	Can be used as overdraft line of credit for Checking Account as well as personal line of credit. Special feature include First Reserve Checks.

*Rate may vary based on credit worthiness, adjusted quarterly set equal to Prime Rate as stated in Wall Street Journal plus as low as 2.49% minimum prime rate of 4.00% APR. Monthly payments greater of $30 or 3% outstanding balance as stated on monthly statement. Loans subject to approval.

First Mortgage & Home Equity

First Mortgage Loans
Please Call Us For Rates (Updated Daily)
Terms	1-Yr ARM (30 Yr Amortized); Fixed 10, 15, 20, 30 Year; 10-Yr Balloon
Loan Types	Fixed and Variable Rates & Terms, Construction Loans, Vacant Lot Loans, Bridge Loans, Refinances, Balloon Mortgages
Additional Benefits	No Application Fee, Low Rates, Bi-Weekly & Weekly Pay programs, Low Money Down Mortgage Plans and More!

Home Equity
Fixed And Variable Rates & Terms Available
Fixed Rate/Fixed Term Home Equity Loan**	5 Year = 1% Below Prime (minimum 4.00% APR) 10 Year = Prime + 1% (minimum 6.00% APR)
Variable Rate/Term Home Equity Line of Credit**	Rate adjusted quarterly, set equal to Prime Rate.

APR = Annual Percentage Rate.
**Borrow up to 90% Loan to Value. Prime Rate as stated in Wall Street Journal. Contact us for current rates. Business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. All loans subject to approval.