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Great Car!
Clunker of a Loan Rate?

Refinance and hold on to more
of your money
!

Did you take a “right now” loan at the dealership instead of the best loan rate?

At First Florida Credit Union, we can save you money through refinancing. We’ll reduce your rate and lower your monthly payments so you keep more of your hard-earned money.*

We’re so sure we can help, we’ll give you a $10 gas card for allowing us to try.†

At a time when every dollar counts, refinancing makes sense. The money you save really adds up. See example below:
 

Current Loan
(6.90% APR**)

Member
finances elsewhere
(for 48
 months)
The monthly payments are: After 6 payments, the payoff balance is:
$20,000. ~$478.20 ~$17,784.15
Refinance & Save
(as low as 4.25% APR‡)
Member
refinances balance for remaining term
New monthly payments are: Total savings:
~42 Months ~456.66 ~902.69

Check out our low auto loan rates and calculate your new monthly payments using our simple interest calculator.
Approval is fast and easy!
Apply online  -- click here;
visit a branch near you -- for branch locations, click here; or speak with a
member services representative --
call (800) 766-4328, ext. 1
[in Jacksonville 359-6800, ext. 1]
 

* Credit criteria and other qualifications apply. Does not apply to loans already financed at First Florida Credit Union or any of its divisions.
† Member must submit completed loan application to receive offer. Offer cannot be used in combination with other offers or coupons.
‡ Your APR (Annual Percentage Rate) will be based on your creditworthiness.4.25% APR includes auto-pay discount. Effective as of 10/9/2009 and subject to change without prior notice.
** APR=Annual Percentage Rate.


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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.*


Returning Borrowers
– Get up to

$1,200 1, $1,000 2, or $750 3
Starting 11/9
Easily Access Loan Proceeds Using:

• Online Banking
• Telephone
• Audio Response
• Mobile Banking
• Branch Office

First-Time Holiday Loan Borrowers -
Get up
to $500 4
Applying is fast and easy.
For speedy approval, apply online by clicking here.
Or, speak with a representative at your branch or call (800) 766-4328, ext. 1 [in Jacksonville (904) 359-6800, ext.1].
 


*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.


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Opportunity Knocks.
Will You Answer?

 

Mortgage rates are at an all-time low.

Buy, Refinance, or Tap Equity


Looking to buy your first home, refinance an existing mortgage, or simply tap into some equity? 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
  • Calculate monthly payments
  • 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
.
 

*Refinancing pre-existing debt with a new mortgage will require you to give the credit union a security interest in your home and may increase the total number of payments, as well as the aggregate amount paid by borrower over the loan term. Standard closing costs and fees apply
†Subject to credit approval.


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It’s all about your convenience!


First Florida is working hard every day to help enrich people’s lives. For your convenience, our Financial Service Center’s (call center) hours of operation have been extended.


The Financial Service Center is available:
Monday-Friday ● 7:30 am – 6:00 pm.

Personal Service is Only
a Phone Call Away!


Our friendly, professional staff is available to assist you. Whether you need to make a transaction; apply for a credit card or vehicle loan; open another account; establish payroll deduction/direct deposit, the Financial Service Center will provide you with the assistance you need.


Call (800) 766-4328, ext. 1
[Jacksonville (904) 359-6800, ext. 1]


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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
.


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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]
.

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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.

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Our new Roosevelt Boulevard branch
is NOW OPEN.


Our new Roosevelt Boulevard branch
features the following:

  • Full-service branch
  • Saturday hours
  • Drive-thru teller lanes
  • Walk-up and drive-thru ATM
  • Welcoming lobby – greeting station, immediate contact with member services representatives, coffee service and Internet access
BRANCH HOURS

Monday – Thursday
Lobby: 9:00 a.m. – 5:00 p.m.
Drive-Thru: 7:30 am – 5:00 p.m.

Friday

Lobby: 8:30 a.m. – 5:30 p.m.
Drive-Thru: 7:30 am – 6:00 p.m.

Saturday

Lobby: 9:00 a.m. – 12:00 p.m.
Drive-Thru 9:00 am – 12:00 p.m.
 
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Home Equity Line of Credit

There’s a big difference between having equity in your home and using that equity wisely. The value of your home can be a powerful tool, providing cash to make your finances easier, and your life better. To help you make the most of your borrowing power, we offer the most competitive features available anywhere:

• No Closing Costs**
• Borrow up to 100% of Home’s Value***
• Access to Your Line with Free Access Checks

Everyone has their own reasons for tapping into their equity – and that’s just fine! Your goals might include:

• Debt consolidation
• Home improvements
• College tuition
• A family vacation
• And more

Just turn to First Florida to finance your dreams.

Apply Today!
Call (800) 766-4328, ext. 1 (in Jacksonville (904) 359-6800, ext. 1); visit a branch near you or click here.


*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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For More Information
Call (800) 766-4328, ext. 1 [in Jacksonville, 359-6800, ext. 1]