First Catholic Federal Credit Union: Unsecured Rates

Overdraft Line of Credit	As Low As:
	14.99% APR
Debt Consolidation and Other Unsecured Credit
48 months	13.99% APR
60 months	14.99% APR
Home Improvement
48 months	12.00% APR
60 months	13.00% APR
Tuition Loan*
12 months	4.50% APR
24 months	6.50% APR

Loan Special
12 months	7.50% APR

*Certain restrictions apply

APR=Annual Percentage Rate

You have a right to submit a written application for a mortgage loan or a home improvement loan or to request written information concerning typical loan terms that we are currently offering on mortgage loans and home improvement loans.It is illegal to establish a minimum ortgage amount of more than $10,000.00 or a minimum home improvement loan of more than $1,000.00. It is illegalto deny a loan or vary the terms and conditions of a loan because of the racial or ethnic trends or characteristics of the neighborhood or the age of the structure, but not because of its physical condition. If your application for a loan is rejected, you have a right to a written statement of the reason for the rejection. If you are granted a loan but the amount required for a downpayment, the interest rate, term to maturity, application procedure, or other terms or conditions of the loan vary from terms or conditions offered in other neighborhoods, you have a right to a written statement of the reasons for the variation. The rights described in this notice are set forth in and limited by Act 135 of the Michigan Public Acts of 1977. If you believe that your rights under this act have been violated, you should contact the Financial Institutions Bureau of the Michigan Department of Commerce. Its address is: Financial Institutions Bureau, Urban Investment Unit, PO Box 30224, Law Building, Lansing, MI 48909. Its telephone number is: (517) 373-8674.