For mortgage information call 877-463-8198
11/20/2008 5:38:56 AM
Equity Loans

First Flight's equity loans allow you to borrow up to the specific loan guidelines. Most equity loans can be used along with a first mortgage to purchase a property with no money down or can stand alone for home improvements, debt consolidation, or any other financial need. You can choose a loan whereby you recieve the money in one lump sum or you can choose a home equity line of credit to draw the money when you need it.

Product Rate APR LTV Closing Costs
Fast Equity 2nd Mortgage 8.00% 8.24% 95% $29 Recording Fee, $17 Flood Certification, $60 Doc. Prep., Title Search (approximately $130), Interim Interest, and Mortage Insurance premium (Varies)
Mini Mortgage 6.50% 6.67% 80% 1% Origination, $29 Recording Fee, $17 Flood Certification, $60 Doc. Prep., $130 Title Search, and Interim Interest
*APR= Annual Percentage Rate. Rates and terms effective as of 10/31/07 and are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Other options available at higher rates. Applicants who do not qualify for these rates or terms may be offered credit at a higher rate and/or different terms. Hazard insurance required on all loans secured by real property. Flood insurance may be required. A $50,000 12-year equity loan would be repayable in 144 monthly payments of $10.02 per $1,000 borrowed. Other fees may apply. Membership eligibility may be required.
Equity Lines of Credit

First Flight's convenient Equity Lines of Credit allow you to access your pre-approved funds when you need it! Need just a little to build a deck? Just write a check and you are all set! Our equity lines of credit feature a competitive variable rate, low or no closing costs, low monthly payments, and the interest may be tax deductible!

Product APR Rate LTV Draw Payback Closing Costs
Equity Access (HELOC) Based on Prime Prime or Prime +2% 85% 10 years 10 years Closing Costs Paid by First Flight
Fast Equity Line of Credit Based on Prime Prime +1% 95% 10 years 10 years First Flight pays all fees except for the appraisal
Equity Access Based on Prime Prime -1/4 or Prime - 1/2 90% 15 years 15 years First Flight pays all fees except for the appraisal
* Rates shown are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice and are based upon the prime rate as reported in the Wall Street Journal. Maximum APR is 18%. Rate may change after consummation. Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Monthly payments are 1.5% of the balance. Hazard insurance required on all loans secured by real property. Flood insurance may also be required. Membership eligibility required. Please consult your tax advisor regarding the deductibility of interest. Closing costs are paid by First Flight and can range from $100-$200.
Personal Loans

First Flight's personal loans allow you to consolidate debt, buy that special someone that gift they've eyeing, fix up your car, home, or just buy yourself something nice. Your personal line of credit is there when you need it and can be used as overdraft for a First Flight checking account. Apply today!

Product APR
Credit Builder 11.00%*
Fast Funds 10.75%- 18.00%*
Signature Loan 11.75%- 18.00%*
* APR= Annual Percentage Rate. Rates shown are current as of 10/31/2007 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Monthly payments are 2% of the balance, minimum of $25 per month. Membership eligibility may be required.
New Automobile

New auto rates have terms ranging from 12-84 months. The minimum loan amount on a 72 month loan is $15,000. The minimum loan amount on an 84 month loan is $25,000.

Product Rate LTV
New Auto(12-60 months) 6.25%- 18.00%* 80-115%
New Auto (72 months) 7.50%-18.00%*
New Auto (84 months) 8.00%- 18.00%*
*Rates shown are current as of 01/25/08 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.
Used Automobile

Used auto LTV us based on NADA value

Product Rate LTV
Used Auto (2005-2008) 6.50%-18.00%*
Used Auto (2003-2004) 6.75%-18.00%* 80%- 115%
Used Auto (2001-2002) 7.00%-18.00%*
Used Auto (2000 & Older) 7.25%-18.00%*
*Rates shown are current as of 01/25/08 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.
New Motorcycle

First Flight's motorcycle loans have terms ranging from 12-60 months.

Product Rate LTV
New Motorcycle 7.50%-15.00%* 75%- 110%
*Rates shown are current as of 10/31/2007 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.
Used Motorcycle

First Flight offers you the flexibility to buy your motorcycle from a dealership or from a friend down the street!

Product Rate LTV
Used Motorcycle 8.50%-15.50%* 75%- 110%
*Rates shown are current as of 10/31/2007 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.
New & Used RVs

Hit the road with a great rate from First Flight! Terms range from 12-144 months.

Product Rate LTV
New & Used RVs 7.25%- 17.50%* 75%- 100%
*Rates shown are current as of 10/31/2007 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.
New & Used Boats

First Flight has New and Used Boat Loans with terms ranging from 12-120 months.

Product Rate LTV
New Boat 7.25%- 17.50%* 75%- 100%
Used Boat 7.25%- 17.50%* 75%- 100%
*Rates shown are current as of 10/31/2007 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.
Other Secured

Other secured loans include Jet Skis and other outdoor recreational items.

Product Rate LTV
Other Secured 7.50%- 15.00%* 75%- 110%
*Rates shown are current as of 10/31/2007 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.
Mobile Homes

You can purchase a new or used Mobile Home and know that you have gotten the best rate around!

Product Rate LTV
New or Used Mobile Home (12-60 months) 8.00%- 17.50%* 75%-80%
New or Used Mobile Home (72 months) 8.50%- 10.00%* 75%-80%
New or Used Mobile Home (84 months) 9.00%- 10.50%* 75%-80%
New or Used Mobile Home (greater than 84 months) 10.00%- 11.00%* 75%-80%
*Rates shown are current as of 10/31/2007 and are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice Please visit First Flight's website at www.firstflightfcu.org, call us at-1-866-447-0692 for current rates & fees, or contact a First Flight representative for further information and full disclosures. Membership eligibility may be required.