*APR=Annual Percentage Rate. Limited time offer; cannot be combined with any other offer.  New Money Minimums: $5,000 personal loan; $10,000 home equity loan. All loans subject to credit approval. Rate determined by credit history, account relationship and loan to value ratio (Max. 80% LTV)  Checking with Direct Deposit required for best rate. Lowest Annual Percentage Rate available = 3.99% APR. Example: $10,000 at 3.99% APR for 5 years, monthly payment of $213.06. Payment calculation based on principal, interest and loan protection coverage. Offer applies to Secured Consumer Loans, Mortgage and Home Equity Loans only. Does not apply to Kwik Cash, Credit Cards, Home Equity Lines of Credit, Business Loans or Unsecured Loans. Home Equity Loans require owner-occupied single family home as collateral.  Loans must close at Community First Credit Union.