Substantial penalty for early withdrawal. Now is a great time to buy and we're here to help you achieve your dream of homeownership. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. The summary below is not all-inclusive. MORTGAGE RATES. ** Flex Rate: Deposit a minimum of $500 into an America’s First FlexRate Certificate and lock in one of the best rates around. Member savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the federal government and additionally insured up to $250,000 by Excess Share Insurance. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. All mortgages with a loan to value of 80% and over require Private Mortgage Insurance (PMI). To qualify for 84 months, vehicle must cost more than $20,000. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Rates are locked for 60 days. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. Early Withdrawal Penalty: The credit union does not impose an early withdrawal penalty for this account. This field is for validation purposes and should be left unchanged. Do not include personal or confidential information such as account numbers, social security numbers, or other personal identifying information in this message. Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Mortgage rates and fees are subject to change without notice. Rates, terms and conditions are subject to change without notice.Rates show are available on models seven years or newer. Published rates are not considered a rate lock commitment or a commitment to lend. This calculation is based on the information you entered for illustrative purposes only and is not a loan application, nor does use of the calculator guarantee loan terms or approval . Offers personal banking, business banking, business loans, personal loans, credit cards, Identity Protection, home equity loans, home equity lines of credit, easy street flex mortgage, mortgage, overdraft protection, checking accounts, auto loans The dividend declaration period is the last day of the dividend period, and for this example would be January 31. Individual Retirement Accounts are federally insured up to an additional $250,000 by the National Credit Union Administration and additionally insured up to $250,000 by Excess Share Insurance. 3.319%. First Citizens’ can make it easy for you to take advantage of the benefits of home ownership. 4.043%. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you have specific questions about your accounts, please log into online banking and submit a secure message or call 205-320-4000. Here are the rates for some of our most popular programs. A VA loan of $250,000 for 15 years at 2.000% interest and 2.465% APR will have a monthly payment of $1,609. Rates subject to change daily. Base rates and points as of 10:30 am, January 20, 2021, ET and subject to change without notice. All other dividend periods follow the same pattern of dates. Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period. If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. Transaction Limitations: Deposits into this account may only be made by Pocket Change transfers from Debit Card transactions. ** Mortgage products are offered by Homeowners Advantage through First Source Federal Credit Union. $25.00 annual maintenance fee. To qualify for 75 months, unit must be new and cost more than $10,000 If your account balance falls below $2,500, you will be subject to a minimum balance fee. This calculator is provided by America’s First Federal Credit Union (AmFirst) and is intended solely for general information and educational purposes. Available to qualified members only. 3.250%. Minimum Balance Requirements: There is no minimum balance required to open this account. The privacy and security policies of the site you are about to enter may differ from those practiced by America’s First Federal Credit Union. Early Withdrawal Penalty: If any account owner requests a full or partial withdrawal of principal prior to any maturity date, unless caused by the death or incapacity of an account owner, and we agree to allow the early withdrawal, you will be subject to a penalty equal to the You must maintain a daily balance of $2,500.00 to avoid a minimum balance fee. Land Loan. There is a minimum monthly fee if you elect to receive images of your canceled checks by mail. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. • Your individual rate may vary based on loan amount, purpose, credit, LTV, lock period and other credit characteristics. If rates go up any time during the term of your certificate, just drop by your nearest America’s First branch and increase the rate on your certificate. Not NCUA Insured - No Credit Union Guarantee - May Lose Value - Not Deposits - Not Insured by any Federal Government Agency. Certificate Term: Early Withdrawal Penalty The maximum rate that can apply is 18.00% APR. You are leaving amfirst.org to go to third-party website. Tiers are the different ranges of balances. $4.08. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. First New York Federal Credit Union with branches in Albany, Schoharie, Colonie, Saratoga Springs, Glenville, Rotterdam, Niskayuna, Schenectady New York. $6.91. Online account opening for our IRA Share Accounts is not available. You must maintain a minimum average daily balance of $2,500 in your account to obtain the disclosed annual percentage yield. If you close your regular Christmas Club account before dividends are credited to your account, you will not receive accrued dividends. Rates are accurate as of March, 2020, and are subject to change weekly. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. Consumer Lending Rates, stated as Annual Percentage Rates (APR). Rate Information: The dividend rate and Annual Percentage Yield are subject to change. $5.00 minimum requirement to open a Share Account. 91 days to 12 months: The lesser of 90 days dividends or all dividends accrued to date; Sample monthly payment - $50,000 at 3.49% APR for 15 years is approximately: $357.20. This calculation is based on the information you entered for illustrative purposes only and is not a loan application, nor does use of the calculator guarantee loan terms or approval . *Message and data rates may apply. Funds may not be withdrawn from this account through an ATM, ITM, Debit Card, nor ACH transaction. Whatever your mortgage needs, NASA Federal is here to help with low rates, flexible terms, and a variety of options to make your dreams come true. All mortgage annual percentage rates (APR) are for 1-4 unit owner occupied primary residences, based on 20% down payment. $4.02. These fees are provided to you at the time you place your share draft order. 3.084%. 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