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									SUMMER 2012

                               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 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
  • eStatements

   What will you earn?
   • Cash rebates                                     Learn more at
   • Lower rates on loans                 
   • Extra dividends on Checking

                                                                             Chatterbox /   4

   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       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
                                                               conditions apply.

5   Chatterbox /


                                                                                                                              Full-Service Locations
                                                                                                                              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
                                                                                                                              Service Center
                                                                                                                              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:
                                                                                                                              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                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.
                                                                                                                              Directors                                             Chairperson
                                                                                                                              Robin Churchill
                                                                                                                                                                                    Supervisory Committee
                                                                                                                              James Hackman
                                                                                                                                                                                    Robin Churchill
                                                                                                                              Rolland Kiracofe                                      Chairperson
                                    Holiday Closings                                                                          Anthony Marchione
                                                                                                                              Michael Powers

                                  July 4—Independence Day
                                  September 3—Labor Day                                                                                                                                           Federally Insured
                                                                                                                                                                                                     by NCUA
                                  October 8—Columbus Day
                                                                                                                              E    Printed on recycled paper with soy ink                                Opportunity
                                                                                                                              320702 6/12 VI                                                             LENDER

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