This Holiday Season Doesn’t
HAVE TO BE FROSTY.

Get the cash you need!
(Holiday Loan Program starts November 9th
and ends on December 18, 2009.)

The holiday season is the most celebrated time of the year - full of fun, joy and cheer. Don’t have the cash to make those worry-free plans?

See us for a quick and easy Holiday Loan, and avoid the crunch time that usually comes this time of year. For greater convenience, repay your loan with affordable payments through direct deposit or payroll deduction.*

*For all four Holiday Loan programs – Annual Percentage Rate is 18.00%; applicant(s) must be currently employed and in good standing with the credit union for a minimum of one year; members denied for a loan product or service within the past 12 months may not automatically qualify for this offer. Holiday Loan promotion starts November 9, 2009. Offer ends December 18, 2009. Loan proceeds must be disbursed by December 24, 2009.
1 Loan term is approximately 11 months. Requires previously held and paid holiday loan(s) as agreed. Payment must be made through direct deposit or a payroll deduction.
2 Loan term is approximately 11 months. Requires previously held and paid holiday loan(s) as agreed.
3 Loan term is approximately 11 months. Requires previously held and paid holiday loan(s) as agreed.
4 Loan term is approximately 10 months. Member must be on the job for 1 year or longer.
The official due date of your Holiday Loan will be the 27th of each month.

Your Opportunity Has Taken Shape!

Mortgage rates are at an all-time low – refinancing could provide a source of real savings.

Historically low mortgage rates create opportunities to refinance your home loan, save money, and get ahead.

Whether the goal is to lower your rate, reduce monthly payments or shorten the term – First Florida has the expertise and resources to help you every step of the way.

At our online Mortgage Center you can:
 

• View current rates
• Receive a free, home value estimate using HomeValueBot
• Get an estimated monthly payment using our mortgage calculator
• Obtain easy, understandable mortgage refinancing advice
• Apply online and get pre-approved in minutes

Click here for the Mortgage Center; or visit your local branch (click here for locations); or
call (800) 766-4328 and select the
“First Mortgage” option.

e-Statements - a small change with big benefits.

Paperwork has a way of piling up. And that’s not good for the environment – or for you! But, by using e-Statements, you can simplify your life and help save some trees.

What are e-Statements?
e-Statements are simply electronic versions of your regular statement. Rather than receiving a paper copy in the mail, you will receive an email letting you know that your information is ready to be viewed online.

Sounds easy. Is it secure?
Yes. You will view your e-Statement through our safe, secure Online Banking system.

Is there a charge for this service?
No. e-Statements are completely free.

What if I change my mind?
No problem. We can switch you back to paper statements at any time.

Great! How do I sign up?
Log onto Online Banking. Then, click on the “Preferences” tab and select the e-Statement link. Next, read the disclosure agreement and choose “Electronic” from the pull-down menu. Or, speak with a member services representative at your branch; or call (800) 766-4328, ext.1 [in Jacksonville, 359-6800, ext. 1].

Take Charge of Your Checking Account
FREE ONLINE SELF-STUDY COURSE

InBalance, a checking account management education program, will give you the tools and information necessary for successful credit union membership. Through this online self-study course you will learn the components of wise checking account management. By taking the steps to manage your account, you can avoid costly returned check fees and frustrating account errors, while minimizing your risk of fraud.

Visit www.getinbalance.org to get started.

*APR = Annual Percentage Rate. The Prime Rate (as published in The Wall Street Journal) as of 12/17/08 was 3.25%. APR and is subject to change without prior notice. All balances will accrue interest at a variable APR, which can adjust on the first day of each month, based upon Prime Rate published 10 days prior to adjustment date in The Wall Street Journal. The lowest APR could range from 1.00% below Prime (includes .25% discount for automatic payment) to Prime + 3.25% based on your Combined Loan-To-Value ratio (CLTV) and other factors. Floor APR is 4.5%. The maximum APR is 18%. Credit and other qualifications apply for loan approval. **First Florida pays closing costs up to $400.00 with an initial advance of $10,000 or more.  In the event the loan is paid off within 24 months of the disbursement date, member will reimburse the credit union for all closing costs and fees paid on member’s behalf.***Maximum credit line is 100% of appraised value less first mortgage balance or $500,000 maximum. Minimum credit line $10,000.

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