California Educator

September 2011

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Drive into Savings with a First Financial Auto Loan! WITH A FIRST FINANCIAL AUTO LOAN, YOU CAN BENEFIT FROM: Great Low Rates−New and used auto loan rates as low as 3.99% APR1 Additional Discounts−Member-exclusive discounts up to 1.00% APR Summer Skips2 summer months −"Skip" up to 2 payments during the No Payment for the First 90 Days3 And much more! Ask Us How We Can Beat 0% Financing Too! (800) 537-8491 Endorsed by: palm personal auto locating management All loans are subject to credit approval and all FFCU policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice. APR=Annual Percentage Rate. FFCU is an equal opportunity lender. 13.99% APR is for new and used auto loans up to 48 months. Representative example: A $20,000 new auto loan at a fixed rate of 3.99% APR for 48 months would require 48 monthly payments of $451.49. The rate reflects a 1.00% APR discount for automatic auto loan payments from a FFCU checking account. 2Requires application and Loan Department approval, and is not available on loans secured by real estate. Call for complete details. 3Loan Department approval required; deferrals may be affected by your credit and other criteria. Interest still accrues. 4Savings may vary based on make/model, extras, among other variables. Call for complete details. 48 California Educator / September 2011 Save Even More with our Exclusive Auto Buying Service! When you let PALM take the wheel, you can save: Time−just give our Auto Buying experts the make/model and all the extras you want and they'll do all the rest Money−on average, members save up to $1,800 on the purchase price of the vehicle4 And much more! Our Auto Buying specialists have over 70 years of experience! Call us today! Proudly Serving CTA Members for Over 77 Years!

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