Loan Rates - First Community Federal Credit Union

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Effective as of January 23, 2012. 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**
New Vehicles Including Untitled 2011 Vehicles and Newer		Used Vehicles Model Year 2007-2011
Terms	APR As Low As*	Terms	APR As Low As*
36 Months	2.24%	36 Months	2.99%
48 Months	2.74%	48 Months	3.24%
60 Months	2.99%	60 Months	3.49%
72 Months	3.49%	72 Months	4.24%

Older Model Years - Used Vehicle Loans **
Used (Model Years 2005 - 2006)		Used (Model Years 2004 and older)
Terms	APR As Low As*	Terms	APR As Low As*
36 Months	4.24%	36 Months	5.24%
48 Months	4.49%	48 Months	5.49%
60 Months	4.74%	60 Months	6.24%

Recreational Vehicles **
New		Used
Terms	APR As Low As*	Terms	APR As Low As*
48 Months	3.75%	48 Months	4.75%
60 Months	4.25%	60 Months	5.25%
72 Months	4.75%	72 Months	5.75%

Signature Loans (Unsecured)**		Home Improvement Loans**
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	7.50%	24 Months	6.25%
24 Months	7.75%	36 Months	6.75%
36 Months	8.00%	48 Months	7.25%
48 Months	8.50%	60 Months	7.75%
60 Months	8.75%

Note Loan
As low as*
Terms	APR As Low As*
12 Months	8.25%

*Actual Rate may vary based on credit score. **Rates shown above reflect additional maximum 0.75% reduction available through combination of MAP high relationship checking discounts (Category A = 0.50%; Category B = 0.25% - See Member Advantage Program details), automatic monthly payment from FCFCU deposit account (0.25%) or AAA Membership (0.25%).

100% Share Secured Loan and Personal Lines of Credit

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

Up to $1,500 Fixed 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
$1,500 to $25,000 Variable as low as 6.24%**	Can be used as overdraft line of credit for Checking Account as well as personal line of credit.

**Actual Rate may vary based on credit score, adjusted quarterly equal to Prime Rate as stated in Wall Street Journal plus as low as 2.24%; minimum prime rate of 4.00% APR. 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	Low Rates, 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 adjusted quarterly 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. Loans subject to approval.