Consumer Credit Cards
This product offers a 20,000 point bonus if you spend $2500 within 90 days of account opening, 2 points per dollar spent on travel/dining/entertainment/groceries, and $120 per year in streaming service reimbursements.
Spotlight Visa
What are the maximum loan amounts for a Personal Line of Credit and an Overdraft Line of Credit?
$3,000 (PLOC) or $1,000 (ODLOC)
This business credit card offers the lowest go-forward rate and is a great option for business members who may need to carry a balance.
Visa Platinum Business Card
Personal/Overdraft Line of Credit
What are the eligibility requirements for the Value Checking ATM Fee Rebate Program?
Direct Deposit of at least $1k per month into the Value Checking share.
This non-rewards product offers our lowest go-forward APR and no annual fee.
Visa Platinum Card
How may a member take advantage of a 0.75% rate discount on their auto loan?
Establish direct deposit of at least $1,000 per month into a Value Checking share & establish auto pay from the same share.
This open-ended, revolving loan is also called a "second mortgage," & offers a 25 year term with a 10 year draw period.
Home Equity Line of Credit
This lending product is a great option for members looking to consolidate high-interest debt at other institutions.
Personal/Unsecured Loan
How can you determine if a member is eligible for a High Yield Savings share?
Symitar Warning Code ; Intuvo
What is the annual fee on the Spotlight Visa?
$75
What additional ancillary services do we offer with our consumer auto loans?
GAP, Mechanical Repair Coverage, & Debt Protection (life, disability, & involuntary unemployment).
Name three features of the Preferred Cash Business Visa Card
1.5% unlimited cash back, $100 sign-up bonus (when you spend $1,000 within 90 days of account opening), 0% intro APR for 12 months on purchases/balance transfers completed within 90 days of account opening, no annual fee, cell phone protection, no foreign transaction fees.
Name a referral opportunity for a member with a high balance in their First500 Savings looking to earn a higher rate of return.
Money Market, Certificate of Deposit, Investment Services.
What is the balance transfer fee for our consumer credit cards?
3% of the amount of the balance transfer.
Our credit cards offer an introductory 0% APR for 12 months on purchases & balance transfers made within how many days of account opening?
90 days
What is the maximum combined amount for unsecured consumer loans per member?
$30k
What terms are available for Fixed Rate Mortgages?
10, 15, 20, 30 – year terms
First Entertainment has partnered with this Financial Wellness partner to assist our members with managing debt, improving their credit score, and better handling their finances.
GreenPath Financial Wellness
What are the mileage and age requirements for a used auto loan?
No vehicle over 10 years of age, < 100k miles
This product is a great option for members looking for a rewards-enabled card with no annual fee.
Preferred Cash Visa
A loan-to-value ratio of 80% or less will earn our member what rate discount on their auto loan?
0.25%
This product(s) can assist our members in re-building their credit or establishing credit if they cannot qualify for an unsecured loan or credit card.
Secured Visa, Share Secured Loan, or Certificate Secured Loan
First Entertainment offers no payments for how many days on auto loans for qualified borrowers?
90
How may a member qualify for a 25 bps (0.25%) discount on an Adjustable Rate Mortgage?
Value Checking with at least $1k monthly direct deposit and auto pay from the Value Checking to the ARM loan.