Home Equity Line of Credit
| Rates as of Friday, October 5, 2012* | |||
| Loan to Value | APR | Term | |
| 70% or less CLTV | Prime -.375% | 240 months | |
| 70.01 - 80% CLTV | Prime .125% | 240 months | |
| 80.01 - 90% CLTV | Prime +1.125% | 240 months | |
Home Equity Loan (Non Purchase Money)
| Rates as of Friday, October 5, 2012** | |||
| Loan to Value | Rate | APR | Term |
| 85% or less CLTV | 4.49% | 4.618% | 60 months |
| 85% or less CLTV | 5.74% | 5.808% | 61 - 120 months |
| 85% or less CLTV | 5.99% | 6.038% | 121 - 180 months |
| 85% or less CLTV | 6.24% | 6.278% | 181 - 240 months |
Auto/Light Truck Loan
| Rates as of Friday, October 5, 2012*** | ||||
| Model Year | Rate | Loan Fee | APR | Term |
| 2012 - 2013 | 3.99% | $150 | 4.177% | 66 months |
| 2012 - 2013 | 4.24% | $150 | 4.412% | 72 months |
| 2011 | 3.99% | $150 | 4.177% | 66 months |
| 2011 | 4.24% | $150 | 4.412% | 72 months |
| 2008 - 2010 | 4.24% | $150 | 4.445% | 60 months |
| 2005 - 2007 | 4.49% | $150 | 4.744% | 48 months |
Motorcycle/ATV/Snowmobile Loan
| Rates as of Friday, October 5, 2012**** | ||||
| Model Year | Rate | Loan Fee | APR | Term |
| 2012 - 2011 | 6.99% | $150 | 7.670% | 36 months |
| 2010 and older | 7.24% | $150 | 7.921% | 36 months |
RV/Marine Vehicle/Motorhome Loan
| Rates as of Friday, October 5, 2012***** | ||||
| Loan Amount | Rate | Loan Fee | APR | Term |
| $50,000+ | 5.74% | $150 | 5.777% | 240 months |
| $25,000 - $49,999 | 5.49% | $150 | 5.582% | 180 months |
| $15,000 - $24,999 | 7.24% | $150 | 7.435% | 144 months |
| $10,000 - $14,999 | 6.99% | $150 | 7.332% | 120 months |
| $5,000 - $9,999 | 6.49% | $150 | 7.430% | 84 months |
Bridge Loan
| Rates as of Friday, October 5, 2012****** | |||
| Loan to Value | APR | Maximum Term | |
| 90% or less CLTV | Prime + 0.75% | 12 months | |
Certificate of Deposit/Savings Secured Loan
(funds deposited in FFB account)
| Rates as of Friday, October 5, 2012******* | |||
| Maximum Term | Rate | Loan Fee | APR |
| 60 months | Deposit Rate +4% | $95 | 5.756% |
* Rates disclosed are for our highest qualified borrowers may vary depending on credit qualification and collateral. Applicable interest rates and terms will vary depending on credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages. Rates reflect discount (0.50%) for automatic payments from a First Financial Bank spending account. Rates are subject to change at any time. All loans are subject to credit review and approval. Variable interest rate based upon the Wall Street Journal Prime Rate and is subject to change at any time. The Wall Street Journal Prime Rate is 3.25% as of March 31, 2010. The rate floor is 3.99% and the rate ceiling is 18.00%. First Financial Bank pays all closing costs. An early closing fee of $350 applies if the line is closed within the first three years. A $50 annual fee may also apply. The minimum payment is the amount of accrued finance charges or $50, whichever is greater.
**Rates disclosed are for our highest qualified borrowers and may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages. Rates reflect discount (0.50%) for automatic payments from a First Financial Bank spending account. Rates are subject to change at any time. All loans are subject to credit review and approval. Client pays $150 loan fee as well as closing costs which can include title search, appraisal, flood determination and filing fees. No Closing Cost option available on Non-Purchase Money transactions only. APR is based on loan amount of $50,000 with a $150 loan fee and a $5 flood determination fee.
***Rates disclosed are for our highest qualified borrowers and may vary depending on credit qualifications. Applicable interest rates and terms will vary depending on your credit qualifications, model year of vehicle and loan term. Rates reflect discount (0.50%) for automatic payments from a First Financial Bank spending account. Loan fee will apply. Rates are subject to change at any time. All loans are subject to credit review and approval. APR is based on loan amount of $30,000 with a $150 loan fee.
****Rates disclosed are for our highest qualified borrowers and may vary depending on credit qualifications. Applicable interest rates and terms will vary depending on your credit qualifications, model year of vehicle and loan term. Rates reflect discount (0.50%) for automatic payments from a First Financial Bank spending account. Loan fee will apply. Rates are subject to change at any time. All loans are subject to credit review and approval. APR is based on loan amount of $15,000 with a $150 loan fee.
*****Rates disclosed are for our highest qualified borrowers and may vary depending on credit qualifications. Applicable interest rates and terms will vary depending on your credit qualifications, model year of vehicle and loan term. Rates reflect discount (0.50%) for automatic payments from a First Financial Bank spending account. Loan fee will apply. Rates are subject to change at any time. All loans are subject to credit review and approval. APR is based on minimum loan amount displayed.
******Rates disclosed are for our highest qualified borrowers and may vary depending on credit qualifications. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages. Rates are subject to change at any time. All loans are subject to credit review and approval. Variable interest rate based upon the Wall Street Journal Prime Rate and is subject to change at any time. The Wall Street Journal Prime Rate is 3.25% as of March 31, 2010. The rate floor is 3.99% and the rate ceiling is 18.00%. Client pays loan fee as well as closing costs which can include title search, appraisal, flood determination and filing fees. A loan fee of $150 will be charged for loan amounts less than $10,000. A loan fee of $300 will be charged for loan amounts $10,000 and greater.
*******Rates disclosed are for our highest qualified borrowers and may vary depending on credit qualifications. Applicable interest rates and terms will vary depending on your credit qualifications and loan term. Loan fee will apply. Rates are subject to change at any time. All loans are subject to credit review and approval. APR based on a loan amount of $5,000 with a $95 loan fee and a CD rate of 0.50%.