For more information on products or rates not listed here, please call us at (877) 322-9530 or e-mail us at clientservice@bankatfirst.com.

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%.