* Fees may reduce earnings on accounts. Rates on savings, money market, and checking accounts are variable and are subject to change after the account is opened. For fees, refer to the current Schedule of Service Charges and Fees.

**Coverdell ESA Shares = Education Savings Account.

All rates subject to change without notice. For current rate information, please call 800-231-1626.

*APY=Annual Percentage Yield. Federally insured by the NCUA. Dividends will be compounded monthly and will be credited monthly.

**Coverdell ESA Share Certificate = Education Savings Account.

A penalty will or may be imposed for early withdrawal. Fees can reduce earnings on an account. All rates subject to change without notice. For current rate information, please call 800-231-1626.

*APY=Annual Percentage Yield. Fees may reduce earnings on accounts. Rates on savings and money market accounts are variable and are subject to change after the account is opened. For fees, refer to the current Schedule of Service Charges and Fees. Federally insured by the NCUA. Dividends are earned daily and credited and compounded monthly rate which corresponds to your account balance.

All rates subject to change without notice. For current rate information, please call 800-231-1626.

Representative Example: A $25,000 auto loan financed at 4.49% APR for 36 months would result in 36 payments of $744.83. Excludes business auto loans.

Representative Example: A $15,000 loan at 6.24% APR for 60 months would result in 60 payments of $292.41. Maximum term for motorcycle loans is 72 months. Maximum term for used motorcycle over five (5) years old is 60 months.

Representative Example: A $25,000 RV loan (Motor homes, Trailers, and Boats) financed at 5.49% APR for 84 months would result in 84 payments of $359.96.

Example: A $20,000 ATV loan financed at 5.49% APR for 60 months would result in 60 payments of $382.80.

†Based on credit worthiness. APR = Annual Percentage Rate. APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months into your Firefighters First checking account is required. If direct deposit is canceled, the promotional rate discount will be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call us at 800-231-1626. The Credit Union does not lend in a Non Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply.

NMLS #649058

All rates subject to change without notice. For current rate information, please call 800-231-1626.

^Includes Classic VISA and Secured Classic VISA.

^^Includes Platinum VISA, California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, Washington State Council of Fire Fighters VISA.

See Your Account Agreement for details.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

The balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account.

If You are charged interest, the charge will be no less than $1.00.

Your Platinum VISA, California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, and Washington State Council of Fire Fighters VISA are subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your creditworthiness.

The information in this disclosure was accurate as of April 9, 2020 , and after that date is subject to change. Rates are based on the creditworthiness and underwriting guidelines. For current information, call Firefighters First Credit Union at: 800-231-1626; write to Firefighters First Credit Union, 1520 West Colorado Blvd., Pasadena, CA 91105; or visit our website at: www.firefightersfirstcu.org.

All rates subject to change without notice. For current rate information, please call 800-231-1626.

Safety-Line rates are based on the Prime Rate as reported in the Wall Street Journal, "plus" a margin between 4.24% and 14.24%. Actual rate will be determined by applicant's credit history. APR is subject to change without prior notice.

Representative Example: A $2,500 Safety Line Loan financed at 11.74% with an estimated payoff of 18 months would result in 18 monthly payments of $152.81. Your credit history and loan qualifications may result in a different interest rate and payment.

Representative example: A $5,000 Signature Loan financed at 8.74% for a term of 60 months would result in 60 monthly payments of $103.56.
† †Based on credit worthiness. APR requires full direct deposit --to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months into your Firefighters First checking account is required. If direct deposit is canceled, the promotional rate discount will be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call 800-231-1626.

Representative Example: A $5,000 loan financed at 2.25% APR for 60 months would result in 60 payments of $88.19

Representative Example: A $2,500 loan financed at 4.99% APR for 36 months would result in 36 payments of $74.92.
The maximum loan amount is $1,000 per position assigned to the fire station up to a maximum of $25,000. An example would be: Six (6) people work at a fire station on each shift for a total of 18 people. The maximum that fire station may borrow is $18,000 (excluding retirement dinner loans). Fire Station and Retirement Dinner Loans are separate from and not included in the Credit Union’s risk based lending program’s underwriting of pricing guidelines.

*APY=Annual Percentage Yield

All Firefighters First Credit Union deposit accounts except for share certificates have a variable rate.

Deposit minimums and withdrawal limitations vary with different account types.

Certificate accounts are subject to penalties for early withdrawal. These accounts are at a fixed rate until maturity. Dividends will be compounded monthly and will be credited monthly.

All Savings & IRA Programs: Dividends are calculated daily from day of deposit to day of withdrawal and are posted monthly. These are variable rate accounts and rates may change after account opening.

A penalty will or may be imposed for early withdrawal. Fees can reduce earnings on an account.

Federally insured by the NCUA.

All rates subject to change without notice. For current rate information, please call 800-231-1626.