FirstDay Federal Credit Union - Loan Rates, Savings Rates, CD Rates in Dayton, Ohio

All rates subject to change without notice

There are no pre-payment penalties for any FirstDay loans.

All rates as of January 30, 2012

Home Equity Loans

Non-Variable Terms as low as 2.89% *APR

*APR=Annual Percentage Rate

Car & Truck Loans

New and used rates are as low as:

0-36 months - 2.54% *APR
37-60 months – 3.04% *APR
61-72 months – 4.04% *APR
73 – 84 months – 5.04% *APR
($25,001 minimum dollar amount in order to extend terms to 72 months.)
($35,001 minimum dollar amount in order to extend terms to 84 months.)
*APR=Annual Percentage Rate

Boat and Motorcycle Loans

Rates as Low as:
0-36 months – 5.04% *APR
37-60 months - 5.54% *APR
61-72 months – 6.54 % *APR
($20,001 minimum dollar amount in order to extend terms to 72 months.)
*APR=Annual Percentage Rate

Motor Home Loans (RVs)

Rates as low as:
0 - 60 months – 5.89% *APR
61 - 84 months – 6.79% *APR
85 - 120 months – 7.17% *APR
121 – 180 months – 7.52% *APR
*APR=Annual Percentage Rate

Personal Loans

Up to 48 months as low as 9.65%*APR Rates and terms subject to change. Rates subject to borrowers credit rating.Go To Loan Application

*APR=Annual Percentage Rate

Other Loans	Rate	APR*	Term
FirstDay CashBack Rewards Visa (Variable Rate)	as low as	7.99%**	n/a
First Time Borrower/Student Visa (Non-Variable Rate)		9.99%	n/a
FirstDay Secured Visa (Non-Variable)		7.99%	n/a

*APR = Annual Percentage Rate
**Prime +4.74% as published on the first Friday of each month in the Money section of the Wall Street Journal.

Go To Loan Application

Checking

Checking	APY*	Min. Balance for Dividend
Checking Plus	0.05%	$100

*APY=Annual Percentage Yield

Savings

All deposits insured up to $500,000 with the first $250,000 covered by the National Credit Union Administration and the remaining $250,000 insured by the American Share Insurance Company. Rates are subject to change without notice.

Savings	APY*
Regular Savings	0.10%
Holiday Club	0.10%

*APY=Annual Percentage Yield

Money Market Savings, IRA Savings, and Health Savings Accounts	Balance Range	APY*	Rate
	$0 - $10,000	0.10%	0.10%
	$10,001 - $50,000	0.10%	0.10%
	$50,001 + $100,000	0.12%	0.12%
	$100,001 +	0.32%	0.32%

*APY=Annual Percentage Yield

Share Certificates

Certificates	APY*	Dividend Rate	Term
Golden Apple 6 mo. $500 +	0.34%	0.34%	6
Golden Apple 12 mo. $500 +	0.60%	0.60%	12
Golden Apple 18 mo. $500 +	0.72%	0.72%	18
Golden Apple 24 mo. $500 +	0.96%	0.96%	24
Golden Apple 36 mo. $500 +	1.20%	1.19%	36
Golden Apple 48 mo. $500 +	1.54%	1.53%	48
Golden Apple 60 mo. $500 +	1.95%	1.94%	60

*APY=Annual Percentage Yield