Consumer Loan Rates

Consumer Loan Rates Effective Date Effective May 20, 2013 Rates Subject to Change Without Notice
Loan Type	Term	Rates As Low As	Min/Max Amounts	Estimated Payment Per $1,000
New and Used Vehicles/Motorcycles - 0% Down Payment^1,3
2012-2014	63 Months	2.74% APR²	Disclosure Information	$17.05
2012-2014	66 Months	3.24% APR²	Disclosure Information	$16.55
2012-2014	72 Months	3.45% APR²	Disclosure Information	$15.39
2011	63 Months	3.34% APR²	Disclosure Information	$17.32
2011	66 Months	3.94% APR²	Disclosure Information	$16.87
2011	72 Months	4.59% APR²	Disclosure Information	$15.91
2010	63 Months	3.99% APR²	Disclosure Information	$17.61
2010	66 Months	4.74% APR²	Disclosure Information	$17.23
2010	72 Months	5.24% APR²	Disclosure Information	$16.21
2009	60 Months	4.44% APR²	Disclosure Information	$18.61
2008	60 Months	4.99% APR²	Disclosure Information	$18.86
Model Years (2006-2007)	48 Months	5.49% APR²	Disclosure Information	$23.24

Recreational Vehicles^{1,3 (additional terms / rates available)}
New 2012/2013	60 Months	6.99% APR²	Disclosure Information	$19.79

Personal Unsecured Loans¹
	12 Months	4.99% APR²	$500 min - $5,000 max	$85.59
	24 Months	8.49% APR²	$500 min - $5,000 max	$45.44
	36 Months	9.49% APR²	$500 min - $5,000 max	$32.02
	48 Months	10.49% APR²	$500 min - $5,000 max	$25.60

Savings Secured Loans (Installment)¹
	36 Months Max	Savings Rate Plus 3% APR²	Disclosure Information	N/A

Certificate Secured Loans (Installment)¹
	Remainder of Term up to 36 Months	Certificate Rate Plus 3% APR²	Disclosure Information	N/A

¹ Rates may vary based on your credit history, your method of payment and market changes. Click on "Disclosure Information" next to the Loan Type for more information. ² APR = Annual Percentage Rate ³Rate not available on existing FCFCU vehicle loans. * Actual savings based upon personal credit history and credit score of 700 or higher. Interest will accrue during 90 day non-payment period. Available for model years of 2009 and up. Loan being refinanced must have been opened for 6 months. Requires auto transfer of payment from a First Citizens’ checking account. Rate does not apply to existing First Citizens’ Federal Credit Union auto loans. No other discounts apply. Cannot be combined with any other offer. Excludes purchased vehicles. Other rates and terms may apply. This offer may be withdrawn or modified at any time without prior notice. Offer valid through 2/28/13. Based on rate of 1.99%, estimated payment per $1,000 borrowed is $17.52 for a 60-month term.

Current Rates

Consumer Loan Rates