Rates

Loan Rates

Vehicles & Motorcycles

Account Type	Model Year	Term	APR
New	2008 - 2010	12 Month	3.69%
	2008 - 2010	24 Month	3.69%
	2008 - 2010	36 Month	3.79%
	2008 - 2010	48 Month	3.89%
	2008 - 2010	60 Month	3.99%
	2008 - 2010	72 Month	4.09%
	2008 - 2010	84 Month	4.19%
Used	2005 - 2007	12 Month	4.29%
	2005 - 2007	24 Month	4.29%
	2005 - 2007	36 Month	4.39%
	2005 - 2007	48 Month	4.49%
	2005 - 2007	60 Month	4.59%
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. Monthly payments for a 5 year new vehicle loan would be $18.41 per $1,000 borrowed. Monthly payments for a 5 year used vehicle loan would be $18.68 per $1,000 borrowed.  Return to top

Recreation Vehicles & Equipment

Account Type	Term	APR
New & Used	12 Month	7.30%
	24 Month	7.30%
	36 Month	7.40%
	48 Month	7.50%
	60 Month	7.60%
	72 Month	7.70%
	84 Month	7.80%
	96 Month	7.90%
	108 Month	8.00%
	120 Month	8.10%
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. Monthly payments for a 5 year recreational vehicle or equipment loan would be $20.09 per $1,000 borrowed.  Return to top

Boats & Motor Homes

Account Type	Model Year	Term	APR
New	2008 - 2010	12 Month	6.04%
	2008 - 2010	24 Month	6.04%
	2008 - 2010	36 Month	6.14%
	2008 - 2010	48 Month	6.24%
	2008 - 2010	60 Month	6.34%
	2008 - 2010	72 Month	6.44%
	2008 - 2010	84 Month	6.54%
	2008 - 2010	96 Month	6.64%
	2008 - 2010	108 Month	6.74%
	2008 - 2010	120 Month	6.84%
Used	2007 & Older	12 Month	6.55%
	2007 & Older	24 Month	6.55%
	2007 & Older	36 Month	6.65%
	2007 & Older	48 Month	6.75%
	2007 & Older	60 Month	6.85%
	2007 & Older	72 Month	6.95%
	2007 & Older	84 Month	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. Monthly payments for a 5 year new boat or motor home loan would be $19.49 per $1,000 borrowed. Monthly payments for a 5 year used boat or motor home loan would be $19.73 per $1,000 borrowed.  Return to top

Home Equity Loans

Account Type	Term	APR
Fixed Rate	1-5 Years	4.99%
	6-10 Years	5.49%
	11-15 Years	5.99%
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates quoted include a .25% relationship discount. Monthly payments for a 10 year home equity loan would be $10.85 per $1,000 borrowed.  Return to top

Home Equity Line of Credit

Account Type	APR
Introductory Rate	1.99% for six months
Variable Rate	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. If a Line of Credit is closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the line is required.  These fees can be as low as $386 for a $25,000 loan or $761 for a $100,000 loan. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.  Return to top

Mortgage Loans

Account Type	Points	Rate	APR
30 Year Fixed Rate	0	5.125%	5.158%
15 Year Fixed Rate	0	4.5%	4.555%
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	10.04%
	24 Month	10.14%
	36 Month	10.24%
	48 Month	10.34%
	60 Month	10.44%
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 may include a .25% relationship discount. Monthly payments for a 5 year personal signature loan would be $21.46 per $1,000 borrowed.  Return to top

Credit Cards

Account Type	APR	Comment
MasterCard®	13.9%	2.99%* APR Intro rate
VISA® Gold	11.9%	2.99%* APR Intro rate
VISA® Platinum	8.9%	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. Payments will be applied to lowest rate balances first. Loan rates and terms are determined by overall credit history and are subject to change without notice. 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	0.150%	0.150%
	$1,000.00 - $4,999.99	0.250%	0.250%
	$5,000.00 and Over	0.500%	0.501%
Club Account	$50.00	0.150%	0.150%
Share rates and yields are subject to change without notice.  Return to top

Checking

Account Type	Minimum Balance to Earn Dividends	Dividend Rate	Annual Percentage Yield
Premier & Premier Plus Checking	$0.01 - $999.99	0.100%	0.100%
	$1,000.00 - $4,999.99	0.150%	0.150%
	$5,000.00 and Over	0.250%	0.250%
Share rates and yields 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	0.000%	0.000%
	$5,000.00-$9,999.99	1.000%	1.005%
	$10,000.00-$24,999.99	1.100%	1.106%
	$25,000.00-$49,999.99	1.250%	1.257%
	$50,000.00 and Over	1.500%	1.510%
Share rates and yields 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	1.045%	1.050%
	6 Months	$1,000.00	1.243%	1.250%
	12 Months	$1,000.00	1.490%	1.500%
	24 Months	$1,000.00	1.982%	2.000%
	36 Months	$1,000.00	2.472%	2.500%
	48 Months	$1,000.00	2.716%	2.750%
IRA Certificate	12 Months	$1,000.00	1.490%	1.500%
	24 Months	$1000.00	1.982%	2.000%
	36 Months	$1,000.00	2.472%	2.500%
	48 Months	$1,000.00	2.716%	2.750%
Kirby Kangaroo Share Certificate	6 Months	$500.00	1.243%	1.250%
	12 Months	$500.00	1.490%	1.500%
	24 Months	500.00	1.982%	2.000%
CU Succeed Share Certificate	6 Months	$500.00	1.243%	1.250%
	12 Months	$500.00	1.490%	1.500%
	24 Months	500.00	1.982%	2.000%
Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. For current rate information, please call 735-8571.  Return to top