Rates

Rates effective 1/9/2026. Term loan: For a $200,000 amount, and term of 360 months with a 6.50% APR fixed, the monthly payment would be $1234.21. Payment example does not include any applicable taxes or insurance premiums. Rates and terms are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Other options available at higher rates. Applicants who do not qualify for these rates and/or terms may be offered credit at a higher rate and/or different terms. Rates quoted above require a 1.00% loan origination fee. Mortgage insurance required if loan to value exceeds 80%. Hazard insurance required on all loans secured by real property. Flood insurance may be required. No prepayment penalties.

Rate valid as of 1/2/2026. Payment Example: 120 monthly payments of $11.61 per $1,000.00 borrowed. Approval based on credit history, loan amount to property value ratio, and other factors. Rates are subject to change at any time. Please speak with a First Flight representative for full details.

1. Rate calculated using a $50,000 loan amount. Rates shown are the lowest rates offered for the products advertised. Other options available at higher rates. Applicants who do not qualify for these rates or terms may be offered credit at a higher rate and/or different terms. Hazard insurance required on all loans secured by real property. Flood insurance may be required. A $50,000 12-year equity loan would be repayable in 144 monthly payments of $9.89 per $1,000 borrowed. Other fees may apply. 2. APR= Annual Percentage Rate. Rates shown are the lowest rates offered for the products advertised and are effective as of 1/16/2026 and are subject to change without notice. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice and are based upon the prime rate as reported in the Wall Street Journal. Maximum APR is 18%. Rate may change after consummation. Monthly payments are 1.5% of the balance. Hazard insurance required on all loans secured by real property. Flood insurance may also be required. 3. Promotional offer for no closing costs and 90% CLTV financing are valid as of 1/16/2026 for a limited time only and can end at any time. Offer does not apply to refinances of current loans with First Flight.

*Membership eligibility required. Must be a Member for at least 90 days, with qualifying direct deposit within 61 days, and account in good standing. Terms and Conditions apply. First Flight Federal Credit Union reserves the right to end or change advance loans at any time. **Minimum loan amount of $200 and Maximum loan amount of $2,000 based on Member’s direct deposits over 61 days period before application. APR (Annual Percentage Rate) will be 25% for all loans, and all applications carry a $20 application fee. ***Terms up to 12 months based on amount of loan. ****Credit report is not pulled at time of application, but loan payment and payoff information is reported to applicable credit agencies. Payments auto-debited from your First Flight Checking account. Payment and payoff activity can impact borrower’s credit score. Speak with a First Flight representative for full offer details. Federally Insured by the NCUA. Equal Housing Lender.

*Membership eligibility required. Must be a Member for at least 90 days, with qualifying direct deposit within 61 days, and account in good standing. Terms and Conditions apply. First Flight Federal Credit Union reserves the right to end or change advance loans at any time. **Minimum loan amount of $200 and Maximum loan amount of $2,000 based on Member’s direct deposits over 61 days period before application. APR (Annual Percentage Rate) will be 25% for all loans, and all applications carry a $20 application fee. ***Terms up to 12 months based on amount of loan. ****Credit report is not pulled at time of application, but loan payment and payoff information is reported to applicable credit agencies. Payments auto-debited from your First Flight Checking account. Payment and payoff activity can impact borrower’s credit score. Speak with a First Flight representative for full offer details. Federally Insured by the NCUA. Equal Housing Lender.

*Membership eligibility required. Must be a Member for at least 90 days, with qualifying direct deposit within 61 days, and account in good standing. Terms and Conditions apply. First Flight Federal Credit Union reserves the right to end or change advance loans at any time. **Minimum loan amount of $200 and Maximum loan amount of $2,000 based on Member’s direct deposits over 61 days period before application. APR (Annual Percentage Rate) will be 25% for all loans, and all applications carry a $20 application fee. ***Terms up to 12 months based on amount of loan. ****Credit report is not pulled at time of application, but loan payment and payoff information is reported to applicable credit agencies. Payments auto-debited from your First Flight Checking account. Payment and payoff activity can impact borrower’s credit score. Speak with a First Flight representative for full offer details. Federally Insured by the NCUA. Equal Housing Lender.

Lowest rates offered for the products advertised based on $30,000 financed with a 96 month term and loan to value ≤ 80%. Example: 96 monthly payments of $13.26 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms.

Lowest rates offered for the products advertised based on $30,000 financed with a 84 month term and loan to value ≤ 80%. Example: 84 monthly payments of $15.33 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms.

Lowest rates offered for the products advertised based on 80% of the value of the home financed up for a 60 month term and meeting applicable credit criteria. Example: 60 monthly payments of $11.87 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms.

Deposit Rates

APR = Annual Percentage Rate. Unless otherwise noted, all rates valid as of 01/21/2026

*Rates and fees may change after account is opened.

Available to minors under the age of 18. Rates may change after account is opened. Minimum balance of $5.00 must be maintained to earn dividends.

Available to minors under the age of 18. Rates may change after account is opened. Minimum balance of $5.00 must be maintained to earn dividends.