Rates.

† APY = Annual Percentage Yield.

* Fees may reduce earnings on accounts. Rates on savings, money market, and checking accounts are variable and are subject to change after the account is opened. APY is accurate as of the last dividend declaration date. For fees, refer to the current Schedule of Service Charges and Fees. APY = Annual Percentage Yield.

** Coverdell ESA Share Certificate = Education Savings Account.

*** To qualify for the Dream Home Share Certificate, the member must have an open mortgage application with Firefighters First Credit Union. The initial term is 4 months with a minimum balance of $5,000 and allows unlimited additional deposits. One penalty-free withdrawal is permitted during the term, provided the funds are used as a down payment on a home financed through Firefighters First Credit Union. All other early withdrawals may be subject to penalties. At maturity, if the member still has an open mortgage application, the certificate will automatically roll into a 6-month Dream Home Share Certificate at the then-current rate, which also allows unlimited deposits and one penalty-free withdrawal under the same down payment condition. If there is no open application at that time, it will instead roll into a standard 6-month share certificate at current rates. Upon maturity of the 6-month Dream Home Share Certificate, it will convert to a standard 6-month share certificate at prevailing rates regardless of mortgage status. Rates are subject to change, and all funds used for penalty-free withdrawals must be verified as going toward a qualifying home purchase with Firefighters First Credit Union. Terms and conditions are subject to change without notice. All loans subject to credit approval.

A penalty will or may be imposed for early withdrawal. Fees can reduce earnings on an account. All rates subject to change without notice.

All rates subject to change without notice. For current rate information, contact us.

APR = Annual Percentage Rate.

Representative Example: A $25,000 auto loan financed at 4.49% APR for 60 months would result in 60 payments of $466.85.

APR = Annual Percentage Rate.

Representative Example: A $15,000 loan at 6.74% APR for 60 months would result in 60 payments of $296.00.

Maximum term for Motorcycle Loans is 72 months. Maximum term for used motorcycle over five (5) years old is 60 months.

APR = Annual Percentage Rate.

^†Based on credit worthiness. APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call us at 800.231.1626.The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply.

Based on credit worthiness. APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Can be combined with other offers. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. Rate discount applies to loans up to a term of 180 months for boats and RVs.

Representative Example: A $25,000 RV loan (Motor homes, Trailers, and Boats) financed at 7.49% APR for 84 months would result in 84 payments of $384.57.

The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.

APR = Annual Percentage Rate.

Representative Example: A $20,000 ATV loan financed at 7.49% APR for 60 months would result in 60 payments of $401.94.

^††Financing is not available for states who do not issue a title for a collateral loan. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer. Terms up to 180 months for Motor Homes, boats (Greater than 28’ in length will require an “out of the water” marine survey), and travel trailers. Terms up to 60 months for personal watercraft, ATVs and dirt bikes.

^ Includes Classic VISA and Secured Classic VISA.

^^ Includes Platinum VISA, California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, Washington State Council of Fire Fighters VISA.

See Your Account Agreement for details.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

The balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account.

If You are charged interest, the charge will be no less than $1.00.

Your Platinum VISA, California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, and Washington State Council of Fire Fighters VISA are subject to a Monthly Periodic Rate of 0.7492% – 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% – 16.99%), based on Your creditworthiness.

Your Visa Signature is subject to a Monthly Periodic Rate of 1.23% – 1.50% (corresponding to an ANNUAL PERCENTAGE RATE of 14.49% – 17.99%), based on Your creditworthiness.

The information in this disclosure was accurate as of December 26, 2025, and after that date is subject to change. Rates are based on the creditworthiness and underwriting guidelines. For current information, call Firefighters First Credit Union at: 800.231.1626; write to Firefighters First Credit Union, 1520 West Colorado Blvd., Pasadena, CA 91105; or visit our website at: www.firefightersfirstcu.org.

All rates subject to change without notice. For current rate information, please call 800.231.1626.

Representative Example: A $5,000 Signature Loan financed at 9.24% for a term of 24 months would result in 60 monthly payments of $229.85.

† Based on creditworthiness. APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice.

The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title.

Please contact us for out of state purchase requests as some restrictions apply.

Safety Line rates are based on the Prime Rate as reported in the Wall Street Journal, “plus” a margin between 4.24% and 14.24%. Actual rate will be determined by applicant’s credit history. APR is subject to change without prior notice.

Representative Example: A $2,500 Safety Line Loan financed at 10.99% with an estimated payoff of 18 months would result in 18 monthly payments of $151.88. Your credit history and loan qualifications may result in a different interest rate and payment.

^ Variable Loan rates are based on the Prime Rate as reported in The Wall Street Journal, “plus” a margin between 4.24% and 14.24% which will be determined by applicant’s credit history. APR subject to increase after consummation.

Representative Example: A $5,000 Share Secured Loan financed at 2.25% for a term of 60 months would result in 60 monthly payments of $88.19.