Account Terms and Conditions
*APR = Annual Percentage Rate. Not all members will qualify. The APR listed is the lowest available rate for the term. The maximum loan amount is $10,000. Other rates and terms are available. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. A 1.00% discount is available for setting up Automatic Payments. No other discounts apply. Loan proceeds must be made payable to: United States Treasury, state, or local tax entity. Payment example: 12 monthly payments of $86.18 per $1,000.00 borrowed. At no time can the discounted loan rate be lower than the credit union’s designated floor rate. Rates effective 03/11/2024.
**Not all members will qualify. Rates and terms based on creditworthiness. Payment example: 30 monthly payments of $36.89 for every $1,000 borrowed. InFirst FCU membership is required.
1Index as published in The Wall Street Journal. Rates may adjust quarterly, on the first business day of January, April, July, and October. The index as of 10 days preceding the beginning of the quarter will be used. The rate of APR will never be less than 4.00% or greater than the maximum rate allowed by law. Not all members will qualify.
2APR= Annual Percentage Rate. Not all members will qualify. All terms and conditions are subject to change without notice. Rate based on creditworthiness. 0.25% rate discount for membership 60 months or greater. Payment example: If you borrow $5,000 at 8.24% for 12 months, your payment each month will be $435.44. This offer may not be used to refinance any existing InFirst FCU loan. Not all members will qualify for the lowest rate. Not all applicants qualify for the maximum loan amount or longest term. Maximum term varies by amount borrowed.
3APR = Annual Percentage Rate. Not all members will qualify. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income and other qualifications. Lowest rate shown with all available discounts applied. Maximum discount is not to exceed .50%. Payment example: 36 monthly payments of $30.20 per $1,000.00 borrowed. At no time can the discounted loan rate be lower than the credit union’s designated floor rate. Current InFirst FCU Auto Loans are not eligible for refinance.
4This rate includes a 0.25% rate discount for each of the following: 80% or less of the MSRP or NADA is financed, and over 60 months of membership. Maximum discount is not to exceed .50%. At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate. Not all members will qualify. Current InFirst FCU Auto Loans are not eligible for refinance.
5APR = Annual Percentage Rate. Not all members will qualify. This loan is for home improvement purposes only. Copies of estimates are required. All terms and conditions subject to change without notice. Rate based on credit worthiness. Same day approval in most cases. Payment Example: 60 monthly payments of $20.17 for every $1,000 borrowed. This offer may not be used to refinance any existing InFirst FCU loan. Not all members will qualify for the lowest rate. Not all applicants qualify for the maximum loan amount or longest term. Maximum term up to 20 years varies by amount borrowed.
6APR = Annual Percentage Rate. Not all members will qualify. Rates are subject to change and are based on creditworthiness. A fee of 3.00% or $5.00, whichever is higher, will apply to any cash advance. Not all applicants will qualify for the lowest rate. Foreign transaction fees may apply. Points expire five years from time of issue.
