Does the fine print in credit card offers have you seeing spots?
Apply for a First Financial Visa; it stands above the rest. And, the
look of First Financial’s credit card has been enhanced to match
the outstanding benefits it brings to our members:
• No annual or balance transfer fees
• Full month grace period
• Earn ½% CASH rebate on purchases
• Free account fraud monitoring with eAlerts
• 6 month introductory rate of
• Prevailing rates from
Use an FFFCU Visa to tame your expenses without sacrificing the
convenience of using a credit card. It may even earn you 5-Star status.
For information or to apply, visit www.firstfinancial.org or call
410-321-6060, option 4.
• $1,500 Summer Loan *Annual percentage rate (APR) quoted for qualified members.
• Mobile Banking Some conditions may apply.
• New Touch Tone Teller
• Home Equity Options
Let Us Know Before You Go
REMINDER: International Visa Card
Before traveling outside the U.S., you must notify
First Financial to temporarily enable your Visa card
for use in the countries you are visiting for the
time you are there. As a fraud prevention
measure, transactions made with
your Visa card in foreign
countries will be blocked
unless you request
otherwise. Before your next trip or if you
have any questions, call Member Services at
410-321-6060, ext. 780.
Use more,Earn more
Our 5-Star Members receive extra
rewards just for using our best services.
If you have all of these services, you too
will be rewarded immediately:
• Checking & Visa Debit Card
• Direct Deposit
• Visa Credit Card
• OnLine Teller
What will you earn?
• Cash rebates Learn more at
• Lower rates on loans www.firstfinancial.org
• Extra dividends on Checking
Chatterbox / www.firstfinancial.org 4
WORKING FOR YOU
With the challenges facing many homeowners today, 80% of the value
especially given reduced home values, finding a home of your home include no closing costs.3
equity loan that meets your needs can be difficult. In
First Financial now offers a full range of options
response, First Financial now offers fixed rate loans up to
because we understand that your needs don’t change
100% of the equity in your home, with rates currently as
simply because home values are down. Whether you
low as 6.5% APR1. Plus, through September 30,
choose a fixed rate loan or reusable line of credit, you
2012, we will extend our no closing cost offer to
will receive a low interest rate and a possible tax
include these higher equity options.2
benefit. For more information or to apply, visit
For those members borrowing up to 80% of the www.firstfinancial.org or call the Loan Call Center at
equity in their home, First Financial’s fixed rate loans are 410-321-6060, option 4.
currently as low as 4.5% APR1, and reusable lines of 1
Annual percentage rate (APR) quoted for qualified members; rates
credit start at 4.00% APR1. As always, loans up to subject to change. 2For amounts financed of $10,000-$25,000. 3Some
5 Chatterbox / www.firstfinancial.org
HERE FOR YOU
Office Hours: Mon.- Fri. 9:00 a.m. to 4:30 p.m.
Thurs. 9:00 a.m. to 7:00 p.m.
Lutherville Drive-thru: Mon.- Fri. 8:00 a.m. to 5:00 p.m.
Thurs. 8:00 a.m. to 7:00 p.m.
v 24-hour ATM v Fullerton
v Lutherville Putty Hill Plaza
Main Office 7966 Belair Road
1215 York Road Baltimore, MD 21236
Lutherville, MD 21093 v Golden Ring
410-321-6060 8665 Shopping Center
v Catonsville 8665 Pulaski Highway, Suite 118
Westpark Shopping Center Baltimore, MD 21237
6400 Baltimore Nat’l Pike v Owings Mills
Catonsville, MD 21228 St. Thomas Shopping Center
v Eldersburg 9906 Reisterstown Road
Princess Shopping Center Owings Mills, MD 21117
1213 Liberty Road v Westminster
Building 2, Unit H Crossroads Square
Eldersburg, MD 21784 625H Baltimore Blvd.
Westminster, MD 21157
Baltimore City Hours:
Fallon Federal Building Mon./Wed./Fri. 8 a.m. - 4 p.m.
31 Hopkins Plaza, Suite G400 In-office ATM
Baltimore, MD 21201
Loan Call Center - 24 Hour: 410-321-6060, Option 4
Member Services Call Center: 410-321-6060, ext. 780
Mobile Teller: mb.firstfinancial.org
Touch Tone Teller Banking By Phone:
1-800-970-3329 Toll Free Access
Toll Free Access: 1-800-90 FFFCU
Dividend Rates Lost/Stolen Cards
To report a lost or stolen credit card, debit card or ATM card
A.P.Y. A.P.Y. during non-business hours, call 410-321-6060, Option 3
Savings & Club Accounts Money Manager Executives
From $0 to $1,999.99 .40% (min. balance $10,000) .65%-.85% Board of Directors
$2,000 and over .55% IRA Shares Chairman Chairman Emeritus
Checking From $0 to $1,999.99 .40% Robert Brenneman J. Wesley Bone
All Balances .00% $2,000 and over .60% Vice-Chairman Director Emeritus
5-Star Members .50% Share & IRA Certificates Deborah Decker Matthew J. Tress
Money Market For current rates, visit www.firstfinancial.org Secretary
(min. balance $2,500) .60% or call 410-321-6060, ext. 780. Lois Peltzer President
Robert M. Windsor
First Financial's Board of Directors has announced Annual Percentage Yields (A.P.Y.) for the third quarter of 2012. Savings Treasurer
John Watkins Appeals Committee
and Checking dividends are compounded daily and credited quarterly. All other account dividends are compounded daily
and credited monthly. Rates are subject to change. Call 410-321-6060 for applicable fees and terms. The rates and John Watkins
information published herein are good as of June 30, 2012 and may be subject to change after that date.
Rolland Kiracofe Chairperson
Holiday Closings Anthony Marchione
July 4—Independence Day
September 3—Labor Day Federally Insured
October 8—Columbus Day
E Printed on recycled paper with soy ink Opportunity
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