Spring car shopping is in full swing with great prices on new autos available on the lots. Now is the perfect time to buy a new or used vehicle starting at a rate as low as 2.50% APR with no application fee or early payoff penalties. Get Ready with a quick loan Preapproval .... Get Set to find a great vehicle .... and GO with a great deal from your credit union!

Ready .... Set .... Go!
Simply Click Here to Apply Online for an auto loan.
Convenient Financing as low as 2.50% APR for your auto loan with a First Service checking relationship!
All loans on approved credit with qualified collateral. Rates starting as low as 2.75% APR are available based on credit criteria with a First Service checking relationship discount of 0.25%; checking discount does not apply to special promotion rates; other rates are also available. $75 processing fee is discounted to $50 with FirstChoice Checking. This offer may be changed or withdrawn at any time.

Easy Car Financing . . . is now available at participating dealerships, where you will find the same great rates as are available at any of our office locations. To visit dealers that participate in First Service dealership financing for you, look in the Easy Car Financing section below.

Quick Tip: Fixed term auto rates are available as low as 2.50% APR on new and used auto purchases for up to 65 months with a First Service Checking Account relationship. For other rates and terms to 84 months, please Click Here or on Quick Rates above.

•Low Fixed Rates
•No Application Fee
•No Bump Up Rates
•No Early Payoff Penalties
•Easy to Budget Fixed Payment

Auto Loan Preapproval . . . shop with confidence when you know your financing is already approved. Simply apply online at the link below, visit any branch location, call (614) 836-0100 during regular business hours, or apply AnyHour at 1-800-495-0981. We are here to lend a helpful hand and make your auto financing easy, quick and affordable!

SAVE BIG: Turn your credit union membership into great savings on a new GM vehicle.
It's easy to save big on an eligible, new Chevrolet, Buick or GMC vehicle* of your choice! Just register for the Credit Union Member Discount from GM** today, and you can receive Preferred Pricing, which is a special discounted price below the MSRP. Here's everything you need to know about this discount. Shop for vehicles. View current incentives and promotions. Get pricing examples. And more.

To get your discount and more information, visit mygmdiscount.com to obtain an authorization number. Print it out and take it to your participating GM Dealer. For First Service Financing right at the dealer, see participating dealerships below or have your auto loan Preapproved at First Service before shopping!

Here are some websites with information for your new or used auto purchase.

• Vehicle ratings by the Insurance Institute for Highway Safety
• New and Used Car Pricing with NADA Guides
• Auto Deals through Enterprise Car Sales
  

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AUTO Balance Transfer from Another Lender .....
Get Out of That High Rate Auto Loan and Put More Money Back In Your Wallet!
If you already financed with another lender, it's not too late to back up and put more money in your wallet! First Service wants your business and will offer you up to 3% off your current rate, as low as 2.99% APR to transfer your auto loan balance from another lender to your credit union.

Why are you waiting?
*Fixed rate
*No application fee
*No bump up rates
*No early payoff penalties
*Easy to budget fixed payment
*Reduced processing fee with FirstChoice Checking

Back up and put more money in your wallet!
For more information or to apply for an Auto Balance Transfer, just call 614/836-0100 today, apply online at the link below, or speak to a Member Service Representative in your branch.

All loans on approved credit with qualified collateral. Rates starting as low as 2.99% APR to 60 months and 3.99% APR for longer terms may vary according to credit qualifications; no other discounts apply and does not apply to loans already financed by First Service. $75 processing fee is discounted to $50 with FirstChoice Checking. This offer may be changed or withdrawn at any time.

Quick, convenient and easy . . . Easy Car Financing from First Service at the Dealer!
Just visit a participating Dealer from the list below, make your selection and ask for First Service Financing right at the dealer's lot . . . we have arranged for you to enjoy the convenience of completing your paperwork right at the dealer's desk, at the same great rates and repayment terms that are available at any First Service office.

First Service financing is now available at these participating dealerships! Drive away with a great loan deal when you ask for First Service financing with your next auto purchase.

Participating Dealers (simply click on the link below to visit the dealer web site)

Auto Center Southeast

Bob McDorman Chevrolet

Byers Chevrolet

Byers Chrysler/Jeep/Dodge/Ram

Byers Ford

Byers Imports

Byers Kia

Byers Mazda/Subaru

Byers Outlet

Byers Reynoldsburg

Byers Scion/Toyota

Byers Superstore

Byers Volvo

Capitol Cadillac

Columbus Mitsubishi

Dan Tobin

Germain Ford

Green's Autopoint

Hatfield Auto Group

Haydocy Buick/GMC

Joseph Auto Center of Columbus

Lindsay Acura

Lindsay Honda

Nissan North

North Main Motors

Performance Chrysler Jeep Dodge (Automall West)

Roush Honda

SAAB of Columbus

Toyota Direct

Ask for First Service financing at the dealer's desk or get Preapproved before you shop!

Quick Tip: For rates and repayment terms, Click Here or on Quick Rates above.
Financing: All loans on approved credit with qualified collateral. Receive the same interest rate and repayment terms as any branch office; $175 processing fee for indirect dealer relationships such as EC1. Rates and terms are subject to change at any time.

Fixed Rate 10-Year Refinance Special
For a limited time you can refinance your home loan to a Fixed Rate Streamline Mortgage at only 3.90% APR with a 10-year repayment term and a closing cost special of only $450! Don't wait . . . there are limited dollars to put into this popular plan so contact us at 614-836-0100 today!

10-Year Streamline Mortgage Refinance: On credit approval. Offer is subject to change or termination at any time. Owner occupied property; no broker funds. Minimum loan amount of $20,000, maximum of $200,000. Loan to value no greater than 70%. Application fee of $450 nonrefundable and is not included in payment samples. $50 Share Savings Account required for membership benefits. First Service Checking Account required to receive this special rate. $50 minimum to open checking account.

Home Loan Financing To 30 YEARS
Nothing is more exciting than buying a new house. Unfortunately, for many people, it is also the most stressful purchase they will ever make. At First Service, our Loan Service Representatives are here to change that by making your mortgage process fast and easy.

Whether you are buying or refinancing a home, we offer competitive rates and terms up to 30 years, as well as fast, friendly and personal service. We can even pre-approve your home loan, so your house shopping experience will be more enjoyable with the house of your dreams a reality!

First Service will lend up to 97% value for a new home purchase with a variety of rates and terms up to 30 years available to you. At your credit union, you will find low closing costs, pre-qualification convenience, and a quick turn around from application to closing!

Our home loans include:

• New Purchase
• Cash Out
• Refinance
• Fixed and Variable Rates
• Conventional Mortgages
• FHA
• VA
• First Time Buyers

Whether you are financing a new purchase or are in the market to refinance, we will work with you to keep your payments affordable. Click here to begin the application process or call Jessica at 614-920-6304, Mark at 614-920-6301 or speak to your branch manager.

For an indication of current market rates, go to Quick Rates above or Click Here.

Some information that you will need to get your mortgage processing started will include:

- 2 years' W2's/1099's or tax returns for each borrower
- 1 month of current pay stubs for each borrower
- 1 month of most recent bank/retirement/other asset statements
- Homeowner's insurance policy information
- Homeowner's association information (if applicable)
- Statements for items to be paid off such as mortgage, credit cards, etc.
- Previous survey (if a refinance)
- Previous title policy if less than 10 years old (refinance)
- Purchase contract and all addendum's signed by all parties (if a purchase)

Searching for a New Home? Click here for Home Listings

We Do Business In Accordance with the Federal Fair Housing Law and the Equal Opportunity Credit Act. Property insurance is required on all First Service home loans. We suggest you consult your tax advisor about the potential tax benefits of home loan interest.

Recreational vehicles are intended for your enjoyment and should be affordable to fit your lifestyle.
With a variety of terms for both new and used motor homes, boats, motorcycles and other powersport vehicles and rates as low as 5.24% APR, First Service can put you in a loan payment that will easily fit your budget. First Service offers affordable terms on new motorcycles and boats to 72 months and Rec Vehicles to 144 months. Used financing is also available. For affordable terms and low fixed rates, Click on Quick Rates above.

It's easy to apply. Simply apply online at the link below, visit any of our branch locations, call (614) 836-0100 during regular business hours for a quick phone application or payment projection, or apply AnyHour at 1-800-495-0981.

Quick Tip: For rates and repayment terms, Click Here or on Quick Rates above.

The First Service Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

• Competitive Interest Rates
• Borrow up to 100% of school certified education costs (minimum $1,000)
• Multiple in-school repayment options available
• Borrower benefits available - like rewards and interest rate reductions
• Rates that reward creditworthy borrowers
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
• Fast Online Application
• 24/7 online account management
• No prepayment penalty

Apply Today! Our easy-to-complete application takes about 20 minutes. It's quick and easy.

Take advantage of the latest advancements in computer technology!

First Service offers great rates on computer loans for home, school, business and personal use with easy-payment terms up to 36 months. Select a computer to fit your lifestyle and give us a call for a low monthly payment quote that will fit your budget.

We make loans easy. You can apply online now at the link below, visit any of our branch locations, call (614) 836-0100 during regular business hours, or apply AnyHour at 1-800-495-0981.

Quick Tip: For rates and repayment terms, Click Here or on Quick Rates above.

Car repairs. Furnace repairs. Medical bills.
Where will it end?

Sometimes it seems that unexpected costs hit at once. First Service offers a Short Term Solution loan up to $1,000 for all types of emergency expenses. So, the next time you need emergency cash for a short term (up to a six month maximum), ask one of our Member Service Representatives about our Short Term Solution.

You must be a First Service member for a minimum of 30 days prior to applying for a Short Term Solution loan. Qualified members may borrow from $300 to $1,000 on a Short Term Solution loan. The $20 application fee for this loan is not refundable.

When you need funding to improve the investment you have made in your home, a Member Service Representative will be glad to talk to you about Home Improvement options with easy payment terms to 60 months.

New roof? New windows? New furnace? Simply apply online at the link below, visit any of our branch locations, call (614) 836-0100 during regular business hours, or apply AnyHour at 1-800-495-0981.

Quick Tip: For rates and repayment terms, Click Here or on Quick Rates above.

Property insurance is required to be maintained for all First Service home loans.

A Home Equity Line of Credit makes the equity you have in your home work for you, with easy, unlimited access and a potential tax savings. Whether you are funding education costs, paying off higher interest rates, improving your home, or taking a dream vacation, the choice is yours . . . with a potential tax savings advantage! Simply transfer available funds from your approved credit line to a Prestige or FirstChoice Checking Account and enjoy unlimited check writing privileges and CheckCard convenience!

Home Equity transfers are available at FirstCU Online, from Mobile Banking, by visiting any First Service office, or by calling 614/836-0100. Home Equity cash advances are also available at any First Service branch office.

Enjoy these features of a First Service Home Equity Loan built for you:

• No out of pocket expense
• No appraisal fee
• No closing costs
• No annual fee
• Potential tax benefit
• Unlimited, easy check access

A Home Equity line of credit is a variable rate loan, with the rate set quarterly from .75% below the Prime Lending Rate as published in the Wall Street Journal. Our floor rate is 5% APR and our maximum rate is that allowed by law. Property insurance is required to be maintained and we suggest you consult your tax advisor about the tax deductible benefits of home loan interest. The $300 application fee is waived unless the line is canceled within 24 months of opening.

FirstReserve is your personal credit line with easy access to fit your personal needs.
For starters, you can simply transfer available funds from your approved credit line to a Prestige or FirstChoice Checking Account and enjoy checking writing privileges and CheckCard convenience!

We make it easy! FirstReserve transfers are available at FirstCU Online, from Mobile Banking, by visiting any First Service office location, by calling 614/836-0100 and as your personal checking overdraft. FirstReserve cash advances are also available in any First Service branch office.

There's no application fee to apply for this personal credit convenience. Simply apply online at the link below, visit any First Service office, call (614) 836-0100 during regular business hours, or apply AnyHour at 1-800-495-0981.

Quick Tip: For rates and repayment terms, Click Here or on Quick Rates above.

2012 Vacation Loans Available Now .... up to $1,200 available for your fun in the sun .... starting at 12% APR with repayment terms to 12 months.

It's easy to apply online now by clicking the link below, speak to a Member Service Representative at any branch location, call (614) 836-0100 during regular business hours, or apply AnyHour at 1-800-495-0981.

 

Personal signature loans are available to fit your lifestyle with terms from 12 to 48 months. Whether you're buying for your home, planning a terrific vacation, or clothing the kids . . . we have a fixed rate term loan to fit your personal needs!

It's easy to apply online now by clicking the link below, speak to a Member Service Representative at any branch location, call (614) 836-0100 during regular business hours, or apply AnyHour at 1-800-495-0981.

Quick Tip: For rates and repayment terms, Click Here or on Quick Rates above.