Disclosures and Assumptions

Checking: Variable rate accounts, the interest rate and APY may change after account is opened. Must be 18 or older, 16 or older with a parent/guardian, to open account. Must be 18 or older, 16 or older with a parent/ guardian, to qualify for the MasterCard debit card. Penalty may apply for early account closure. Fees may apply for additional services. Customers 65 and older receive free basic checks with a limit of one box of checks per order. Offer subject to change. First Choice Money Market Checking is subject to monthly transaction limitations. To qualify for the Club Fed Checking Account you must have a minimum of one direct deposit per month and $10,000 or more in combined balances with First Federal.

Savings: Variable rate accounts. The interest rate and APY may change after account is opened. Penalty may apply for early account closure. Fees may apply for additional services. Savings accounts are subject to monthly transaction limitations.

Health Savings Accounts: Tiered variable rate accounts. The interest rate and APY may change after account is opened. Penalty may apply for early account closure. Fees may apply for additional services. Must be 18 or older to open account. Must be 18 or older to qualify for the MasterCard debit card.

Certificate of Deposit/IRA: Interest is compounded monthly, paid at maturity or paid by ACH transfer. For those receiving monthly ACH transfers the Annual Percentage Yield (APY) equals the simple interest rate. APY is based on interest being compounded. All IRA and IRS rules and regulations apply to retirement accounts.

Mortgage Loan: APR is based on a 30 year fixed rate loan of $100,000 with 25% down payment and a credit score of 740.

Home Equity Line of Credit: APR is based on a loan to value of 80 percent and credit score of 720.  Variable rate account, APR may change after account opening. Minimum monthly payment required is interest only. Balloon payment will apply at maturity.

Auto Loan: APR is based on a 5 year loan of $10,000 and credit score of 720.

Boat Loan: APR is based on a 5 year loan of $10,000 and credit score of 720.

Additional loan fees may apply on all loan products.