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What's New

First Florida will make you feel
Right at Home.
We pay up to $5,000 of
your 1st mortgage closing costs!†
 

Plus, our friendly and professional staff will provide a helping hand—making sure you receive:

  • the Right term

  • the Right rate

  • the Right advice

Whether you’re a first-time home buyer or you’re refinancing an existing 1st mortgage, you’ll save big at First Florida Credit Union.

Not only will we pay up to $5,000 of your 1st mortgage closing costs†, we offer great low rates; a big selection of mortgage products; quick approvals; more ways to apply; and fast closings.

We also offer resources like our online mortgage center, where you:

  • View current rates

  • Receive a free home value estimate, using HomeValueBot

  • Get an estimated monthly payment using our mortgage calculator

  • Apply online and get pre-approved in minutes
Call (800) 766-4328, ext. 1
[Jacksonville 359-6800, ext. 1];
stop by a branch near you; or visit our
online Mortgage Center (click here).

†Offer does not apply to any mortgage loans already financed by First Florida or any of its divisions. Offer is subject to change or can be withdrawn at any time without prior notice; does not apply to 1st mortgage applications submitted prior to March 1, 2010. Offer available only when obtaining a First Florida, 1st Mortgage Loan – not available on FHA, VA, Land/Lot, Home Equity Line of Credit, or Home Equity loans. Offer available only on owner-occupied primary residential properties; offer does not apply to mobile homes. Offer applies only to standard, actual closing costs. Contact the credit union to obtain a list of closing costs covered by offer, as certain exclusions apply. First Florida will pay closing costs up to 1.5% of the loan amount or a maximum of $5,000, whichever is less. Appraisal and credit report/underwriting fees are collected during the loan process and will be credited back to the borrower on the settlement statement at loan closing. If the loan is paid in full within the first 36 months of disbursement, borrower will be required to reimburse First Florida for all, or a portion of, the closing costs paid by First Florida or any of its divisions on the member’s behalf. Subject to credit approval. Certain other restrictions apply.


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Get in the Savings Game

Are You in the Game?
Learn cool tips on saving money and have fun while doing it!

Step up to the Challenge...
We invite you to visit the nearest First Florida Credit Union or Seaboard, a division of First Florida branch between
Friday, March 5
Thru
Saturday, April 3*

Make a deposit in your Sand Dollar Savings Account and

  • Get an awesome prize bag at the time of deposit

  • Shoot for prizes in the First Florida basketball hoop**

Plus..
Design your own money that will be displayed in the branch. The best design will win the Grand Prize! †

Call (800) 766-4328, ext. 1
[Jacksonville 359-6800, ext. 1];
stop by a branch near you
(click here for locations)

*Visit the locations page for hours of operation.
**Child must deposit to a Sand Dollar Savings Club account. Child must be present to receive gift at time of deposit and to shoot baskets.
†No purchase necessary. One entry per child. Entry forms are available at any First Florida branch. Winners will be selected on or about April 12, 2010.
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It Pays to Share
Membership Drive

Celebrate our 60th Anniversary with us. When you share the credit union benefits you value with family; friends; and co-workers, everyone earns money. Now that's worth celebrating!

*EXAMPLE:

$5.00 when referred member establishes a new savings1

$5.00 if referred member (with checking and direct deposit) signs up for eStatements

$25.00 if referred member opens a checking account with direct deposit2

$25.00 when referred member refinances an auto loan they have elsewhere3

New Members Celebrate and Receive $25.00 for opening a checking account with direct deposit**
 
Simply fill in the Referral Coupon and pass it along to everyone you know.
 
Visit a branch near you
 (click here for locations); or
call (800) 766-4328, ext. 1
[in Jacksonville 359-6800, ext. 1]

* Employees and officials of the credit union are not eligible. Offer(s) can be withdrawn without prior notice. Current (Referring) Member: New member must identify the referring member when joining. Membership eligibility requirements apply. Referral incentives paid by 4/9/2010.
1) For each new member referred to First Florida (or any of its divisions) between 1/1/2010 and 3/31/2010 that opens a savings with a deposit of $50 or more, the referring member receives a deposit of $5 to his/her savings. Referred accounts must be open, in good standing and have a minimum balance of $50 when incentive(s) are paid.
2) Account qualifications apply; checking must be established between 1/1/2010 and 3/31/2010. Does not apply to direct deposits (DD) established prior to 1/1/2010; only for recurring DD; a one-time DD does not qualify for incentive; DD must be greater than $200 and start by 4/9/2010. Cannot be used or combined with other checking/DD offers.
3) Credit criteria and other qualifications apply. Does not apply to loans already financed at First Florida or any of its divisions. Loan must be disbursed before incentive is paid. Incentive paid by 4/9/2010.
**New Member: Membership eligibility requirements and account qualifications apply. Incentive paid by 4/9/2010. Checking must be established between 1/1/2010 and 3/31/2010. Does not apply to direct deposits (DD) established prior to 1/1/2010; only for recurring DD; a one-time DD does not qualify for incentive; DD must be greater than $200 and start by 4/9/2010. Cannot be used or combined with other checking/DD offers.

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Opportunity Knocks.
Will You Answer?
 

Mortgage rates are at an all-time low.

Buy, Refinance, or Tap Equity

Looking to buy your first home, refinance an existing mortgage, or simply tap into some equity? Seaboard has the expertise and resources to help you every step of the way.
 
At our online Mortgage Center you can:
 
  • View current rates
  • Receive a free home value estimate using HomeValueBot
  • Calculate monthly payments
  • Obtain easy, understandable mortgage refinancing advice*
  • Apply online and get pre-approved in minutes†

Click here for the Mortgage Center; or visit your local branch (click here for locations); or
call (800) 766-4328 and select the
“First Mortgage” option.
 

*Refinancing pre-existing debt with a new mortgage will require you to give the credit union a security interest in your home and may increase the total number of payments, as well as the aggregate amount paid by borrower over the loan term. Standard closing costs and fees apply
†Subject to credit approval.

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It’s all about your convenience!


We're working hard every day to help enrich people’s lives. For your convenience, our Financial Service Center’s (call center) hours of operation have been extended.


The Financial Service Center is available:
 Monday-Friday ● 7:30 am – 6:00 pm.

Personal Service is Only
a Phone Call Away!


Our friendly, professional staff is available to assist you. Whether you need to make a transaction; apply for a credit card or vehicle loan; open another account; establish payroll deduction/direct deposit, the Financial Service Center will provide you with the assistance you need.


Call (800) 766-4328, ext. 1
[Jacksonville (904) 359-6800, ext. 1)

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Your Opportunity Has Taken Shape!

Mortgage rates are at an all-time low – refinancing could provide a source of real savings.


Historically low mortgage rates create opportunities to refinance your home loan, save money, and get ahead.

Whether the goal is to lower your rate, reduce monthly payments or shorten the term – First Florida has the expertise and resources to help you every step of the way.

At our online Mortgage Center you can:
 
  • View current rates
  • Receive a free, home value estimate using HomeValueBot
  • Get an estimated monthly payment using our mortgage calculator
  • Obtain easy, understandable mortgage refinancing advice
  • Apply online and get pre-approved in minutes

Click here for the Mortgage Center; or visit your local branch (click here for locations); or
call (800) 766-4328 and select the
“First Mortgage” option.
Subject to credit approval. Refinancing pre-existing debt with a new mortgage will require you to give First Florida Credit Union, and any of its divisions, a security interest in your home and may increase the total number of payments, as well as the aggregate amount paid by borrower over the loan term. Standard closing costs and fees apply. Please contact us for details.
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e-Statements -  a small change with big benefits.


Paperwork has a way of piling up. And that’s not good for the environment – or for you! But, by using e-Statements, you can simplify your life and help save some trees.

What are e-Statements?
e-Statements are simply electronic versions of your regular statement. Rather than receiving a paper copy in the mail, you will receive an email letting you know that your information is ready to be viewed online.

Sounds easy. Is it secure?
Yes. You will view your e-Statement through our safe, secure Online Banking system.

Is there a charge for this service?
No. e-Statements are completely free.

What if I change my mind?
No problem. We can switch you back to paper statements at any time.

Great! How do I sign up?
Log onto Online Banking. Then, click on the “Preferences” tab and select the e-Statement link. Next, read the disclosure agreement and choose “Electronic” from the pull-down menu. Or, speak with a member services representative at your branch; or call (800) 766-4328, ext.1 [in Jacksonville, 359-6800, ext. 1].
 

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Take Charge of Your Checking Account
FREE ONLINE SELF-STUDY COURSE

InBalance, a checking account management education program, will give you the tools and information necessary for successful credit union membership. Through this online self-study course you will learn the components of wise checking account management. By taking the steps to manage your account, you can avoid costly returned check fees and frustrating account errors, while minimizing your risk of fraud.

Visit www.getinbalance.org to get started.

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Our new Roosevelt Boulevard branch
is NOW OPEN.

Our new Roosevelt Boulevard branch
features the following:
  • Full-service branch
  • Saturday hours
  • Drive-thru teller lanes
  • Walk-up and drive-thru ATM
  • Welcoming lobby – greeting station, immediate contact with member services representatives, coffee service and Internet access
BRANCH HOURS

Monday – Thursday
Lobby: 9:00 a.m. – 5:00 p.m.
Drive-Thru: 7:30 am – 5:00 p.m.

Friday
Lobby: 8:30 a.m. – 5:30 p.m.
Drive-Thru: 7:30 am – 6:00 p.m.

Saturday
Lobby: 9:00 a.m. – 12:00 p.m.
Drive-Thru 9:00 am – 12:00 p.m.
 
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Home Equity Line of Credit

There’s a big difference between having equity in your home and using that equity wisely. The value of your home can be a powerful tool, providing cash to make your finances easier, and your life better. To help you make the most of your borrowing power, we offer the most competitive features available anywhere:

• No Closing Costs**
• Borrow up to 100% of Home’s Value***
• Access to Your Line with Free Access Checks

Everyone has their own reasons for tapping into their equity – and that’s just fine! Your goals might include:

• Debt consolidation
• Home improvements
• College tuition
• A family vacation
• And more

Just turn to First Florida to finance your dreams.

 Apply Today!
Call (800) 766-4328, ext. 1 (in Jacksonville (904) 359-6800, ext. 1); visit a branch near you or click here.


*APR = Annual Percentage Rate. The Prime Rate (as published in The Wall Street Journal) as of 12/17/08 was 3.25%. APR and is subject to change without prior notice. All balances will accrue interest at a variable APR, which can adjust on the first day of each month, based upon Prime Rate published 10 days prior to adjustment date in The Wall Street Journal. The lowest APR could range from 1.00% below Prime (includes .25% discount for automatic payment) to Prime + 3.25% based on your Combined Loan-To-Value ratio (CLTV) and other factors. Floor APR is 4.5%. The maximum APR is 18%. Credit and other qualifications apply for loan approval. **First Florida pays closing costs up to $400.00 with an initial advance of $10,000 or more.  In the event the loan is paid off within 24 months of the disbursement date, member will reimburse the credit union for all closing costs and fees paid on member’s behalf.***Maximum credit line is 100% of appraised value less first mortgage balance or $500,000 maximum. Minimum credit line $10,000.

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For More Information
Call (800) 359-7328 [in Jacksonville, 332-4200]