Disclosure Information

Mortgages
Construction Loans available, add 1/2 % to point structure 1/1, 3/3, 5/1 ARM Programs only.
12 months to build paying interest only on balance used. At the end of 12 months, you will pay principal and interest on the full amount of your mortgage. Only one closing. No need to refinance.
Single Family Application Fee $400.00 to $400.00 (includes appraisal).
Applying is easy. You may apply at any one of our Branches or at www.firstcitizens.org. At the top of your screen, chose Mortgage Center and apply form the comfort of your home.
All APR's based on $100,000 Loan Amount 20% Down.
Jumbo rates and terms available upon request.

Home Equity Loans
* Special $99.00 Closing Fee for terms up to 7 years. Call for details.
* Special and Free Closing Programs do not include an Appraisal Fee.
Home Equity Loan Products - Maximum Loan to Value 75%. Maximum term 15 years.

Home Equity - Line of Credit
* Free Closing Costs (some restrictions apply)
* Special and Free Closing Programs do not include an Appraisal Fee.
Home Equity Line -- Maximum 75% Loan to Value . Maximum term 120 months to draw on your line. At the end of your draw period, you have an additional 120 months to payback your loan

First Citizens’ Home Equity Line of Credit has a variable rate feature. The index used is the Prime Rate on the last business day of each month as published by the Wall Street Journal's Money Rates Section. The variable rate feature may increase after loan consummation. As of 4/30/2010 the Prime Rate was 3.25%. The maximum Annual Percentage Rate (APR), which can be charged, is 18%. 9 months after the original date the APR will vary based on Prime - .25% with automatic transfer from a First Citizens’ Checking Account. However, never lower than the floor rate of 4.00%. Auto-pay from a First Citizens’ Checking Account is required to qualify for this rate. Rates are subject to change without notice. The loan-to-value ratio may not exceed 75% subject to property condition. There maybe closing costs in the range of $75.00 to $350.00. The minimum line amount is $5,000 and the maximum is $200,000. If First Citizens’ pays for some or all of the’ closing costs, on behalf of the Borrower, and the Borrower requests a discharge of the mortgage prior to the second anniversary, the Borrower then agrees to reimburse the Credit Union for the full amount of the closing costs. An appraisal may be required at owners’ expense ($250.00 to $475.00). There will be a $50.00 annual fee, which will apply from year two through ten. The minimum of $1.00 must be on deposit with First Citizens’ to be consider for any line, loan or mortgage. Maximum term to draw on your line is 120 months. At the end of your draw period, you will have an additional 120 months to payback your line. If applicable, flood insurance maybe required. Homeowners insurance listing the First Citizens’ as Mortgagee, is required.

** New Car Loan - 0% Down Payment
* With minimum loan balance of $15,000 for 75 months, maximum term
Maximum loan amounts for new Auto loans will be 100% MSRP

** Used Car Loan - 0% Down Payment
Maximum loan amounts for used Auto loans will be100% of NADA Retail Value

** Personal Unsecured Loans
Maximum loan amount $5,000. Maximum term 48 months

** Receive 1/4% discount off Consumer Auto and Personal loan rates with Automatic Payment from a First Citizens' Checking with Direct Deposit, or 1/2% with a Hero Checking account with Direct Deposit and Automatic Payment. An additional 1/4% discount is available if applicant is employed at a First@Work company and has a First Citizens' Checking with Automatic Payment. An additional 1/4% discount is available for Hybrid vehicles. Ask us for more details.

Savings Secured Loans (Installment) Apply & close at Branch
Minimum $500.00
Maximum 100% of Available Balance

Certificate Secured Loans (Installment)
Minimum $500.00
Maximum 100% of Available Balance