Disclosure:
Rates and yields are accurate as of 6/27/2008 and are subject to change without notice. Longer terms are available on Mini and Jumbo Certificates. Fees may reduce earnings on some accounts. The APY is based on the assumption that dividends remain on deposit until maturity. Federal regulations require a penalty for early withdrawal.

Your savings are federally insured by the National Credit Union Administration (NCUA). Consult a staff member or the Truth-In-Savings disclosure for complete account information.

New Money: "New Money" is defined as funds not currently on deposit at Family First FCU in the past 30 days.

Jump-Up option may be exercised only once during the certificate's term. Updated rate will become effective within three work days after we receive your notice. The new rate will not be applied retroactively. The Jump-Up interest rate and APY are applied so that the 27 month certificate may take the prevailing rate of Family First's 24 month certificate. And the 17 month certificate may take the prevailing rate of Family First's 12 month certificate. Early withdrawals are subject to penalty.

(1) Variable Rate
(2) Last quarter's declared dividend
Rates posted for MoneyBuilders are last week's declared dividends.
(4) Fixed rate accounts. The APY (Annual Percentage Yield) is based on the assumption that dividends remain on deposit until maturity. Federal regulations require a penalty for early withdrawal.

MoneyBuilders: During any statement period you may not make more than 6 transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction. No more than 3 of the 6 transfers may be made by check, draft, debit card (if applicable), or similar order to third party. If you exceed the transfer limitations during your monthly cycle, your account will be subject to closure by the Credit Union, and you may be charged a fee for each excess item. If your account balance falls below Tier 1, you will not earn a dividend for that period.

Retirement MoneyBuilders: Limited to manual distributions through a Member Service Representative. Any withdrawal is considered a distribution from your plan. Penalties and withholding may apply.

Money Market Gold: During any statement period you may not make more than 3 transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations during your monthly cycle, your account will be subject to closure by the Credit Union, and you may be charged a fee for each excess item. If your account balance falls below $25,000, you will not earn a dividend for that period.

Gold Members: Gold members are defined as having a combined total of share and loan balances between $10,001 and $40,000. Other benefits also available. Consult a staff member for complete account information.
Platinum Members: Have a combined share and loan balance over $40,000. Other benefits also available. Consult a staff member for complete account information. Rate increases for Gold and Platinum members are only availble on standard rate certificates and IRA's, and are not available on rate specials or promotions.