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Share (Savings) Account Rates

AccountMinimum Deposit to OpenMinimum Balance to Earn APYDividend RateAnnual Percentage Yield (APY)
Regular Share (Savings)$5$1000.10%0.10%
Vacation Club/Holiday Saver$25$1000.10%0.10%
FirstStart Savings$50 and up0.10%0.10%
Free Checking$10NoneNoneNone
Advantage Checking$10NoneNoneNone
Interest Checking$10$1,0000.05%0.05%
Check Builder$50NoneNoneNone
Money Market$1,000 $1,000 - $9,9990.20%0.20%
$10,000 $10,000 - $24,9990.25%0.25%
$25,000 $25,000 - $49,9990.30%0.30%
$50,000 $50,000 and over0.30%0.30%
Money Market IRA$100$100 - $9,9990.20%0.20%
$10,000 $10,000 - $24,9990.25%0.25%
$25,000 $25,000 - $49,9990.30%0.30%
$50,000 $50,000 and over0.30%0.30%
Rate is current as of:January 15, 2019Fees could reduce earnings.

Term Certificate and Regular IRA Certificate Rates

Term Certificate Account         
Term
minimum balanceDividend/Yield3 Mos.6 Mos.1 Year18 Mos.2 Year3 Year4 Year5 Year
$1,000 to $9,999Rate0.55%0.75%0.95%1.00%1.24%1.54%1.69%1.88%
APY0.55%0.75%0.95%1.00%1.25%1.55%1.70%1.90%
$10,000 to $49,999Rate0.75%0.95%1.14%1.19%1.44%1.74%1.88%2.08%
APY0.75%0.95%1.15%1.20%1.45%1.75%1.90%2.10%
$50,000 and upRate0.95%1.14%1.34%1.39%1.64%1.93%2.08%2.28%
APY0.95%1.15%1.35%1.40%1.65%1.95%2.10%2.30%
Penalties will be imposed for Early Withdrawals

Special Term Certificate Rates

Special Term Certificate  
Wealth Builder
with Payroll Deduction option
Minimum balanceDividend/Yield9 Mos.
to earn APY = $50Rate0.65%
(with Payroll Deduction)APY0.65%
to earn APY = $500Rate0.70%
APY0.70%

New and Used Vehicle Rates

 TermAPR*
NEW Auto (<5,001 miles)
202012-362.89%
201937-483.25%
201849-603.50%
61-723.75%
73-844.50%
Term85-965.50%
USED Auto (>5,000 miles)
202012-362.89%
201937-483.25%
2018 to 201249-603.50%
61-723.74%
73-844.50%
OLDER Auto (<125,000 miles)
2011 to 200812-365.89%
37-486.25%
49-606.50%
61-726.75%
BOATs, RVs & TRAILERs
2020 to 201012-847.64%
85-968.75%
97-1209.75%
MOTORCYCLES/ATVs
2020 to 201012-487.14%
49-607.50%
Auto Loan Disclosure
*APR=Annual Percentage Rate. Auto loan payment estimates on a $45,000, 84-month loan with a 4.50% APR = $626; on a $15,000, 36-month loan with a 2.89% APR = $436.
Other terms available up to 96 months. 96 month rate exclusive to tiers 1, 2, and 3, available on new autos or most recent model years, less than 5000 miles, $40,000 minimum. eGreen and Advantage Checking Account loan rate discounts do not apply with these promotional rates. Minimum $10,000 loan required on terms longer than 60 months. Certain model year restrictions may apply, please contact First City for clarification. Rate increase of .25% for vehicle mileage of 100,000 or more. Refinance offer not available on existing First City loans. Cannot be combined with other promotional offers. Rates and programs subject to change. Other conditions may apply.
Recreational Vehicle Disclosure
*APR=Annual Percentage Rate. Loan payment estimate example: on a $100,000, 84-month loan with a 7.64% APR = $1,541; on a $75,000, 120-month loan with a 9.75% APR = $981.

Visa Platinum Rates

VISA PLATINUM DISCLOSURE
Interest Rates and Interest Charges
Effective as ofJanuary 15, 2019
VISA PlatinumShare-Secured Visa Platinum
as low asup to
Annual Percentage Rate (APR) for Purchases11.50% 18.00%9.50%
APR for Balance Transfers11.50% to 18.00%
APR for Cash Advances11.50% to 18.00%
APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR will vary with the market based on the Prime Rate.
Penalty APRNone
How to avoid paying interest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest ChargeThere is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
VISA PLATINUM FEE DISCLOSURE
Set-up and Maintenance Fees
• Annual Fee
• Account Set-up Fee
• Participation Fee
• Additional Card Fee
NONE
NONE
NONE
NONE
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction
NONE
NONE
1% of each transaction in U.S. Dollars
Penalty Fees
• Late Payment
• Over-the-Credit-Limit
• Returned Checks
$10.00
NONE
$31.00
Method of computing the balance for purchasesAverage daily balance (including new purchases)

Personal Loan Rates

Personal Loan 
Loan AmountsAPR* as low as
$500 - $30,00011.90%
Personal Loan Payment Estimate
On a $2,500, 24 month loan with a 11.90% APR=$118 per month
*APR=Annual Percentage Rate
Maximum personal loan allowed, including combined Personal Loan balance and Visa Credit Card available credit is $30,000.

Secured Loan Rates

Certificate and Share Secured 
Certificate Secured
Maximum TermAPR* as low as
Certificate SecurityDividend Rate + 1.50%
Share Secured
Minimum/Maximum TermAPR* as low as
12 - 60 monthsDividend Rate + 1.50%
*APR=Annual Percentage Rate