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Not sure where to get started with your Spring projects? We’ve got you covered! Service 1st home loans
are the perfect tool to help you stay on track and on budget this season.

Home Equity Loans feature:
• Minimal closing costs!*                   • Fixed rates as low as 2.19% APR* for up to a 36 month term!
• Other rates and terms available for up to 15 years!*

Everyday Equity Lines of Credit** feature:
• Access to funds when you need them!      • Great low variable rates!         • Low monthly payments!
• Flexibility to lock in our low fixed rates on up to two segments of your line.†

This Spring, tackle your to-do list, conquer debt consolidation, or even tuition bills, with Service 1st home loans. Let us put your home to work for you.

Our knowledgeable team of experienced lenders will guide you through the process! Apply today!

Click here to view other rates and terms.
 

* APR = Annual percentage rate. The rate on the home equity loan is as of publication
(6/01/2017). 2.19% APR available on A+ Credit for 36 month fixed-rate, closed-end, first lien
position home equity loan. Minimum loan amount is $7,500.00. Sample payment on $7,500.00
borrowed for 36 months at 2.19% APR would require a monthly payment of $215.45. Your rate
may vary and will be determined by your individual credit profile and your home’s available value
(determined by appraisal less any outstanding mortgages). Once approved, the rate will not
change for the initial term of the loan. Automatic payment preferred from a Service 1st deposit
account. Owner-occupied residences only. The fees to be waived are the Property Search, Flood
Search and Recording Fee. If the loan is paid off within a 36 month period, fees may be reassessed
and included in final payoff. The Satisfaction Fee will not be waived and will be collected
at the end of the term of the loan. Any additional fees, including appraisal fees, will be the
responsibility of the member. Other conditions/restrictions may apply. Programs, rates, terms
and conditions are subject to change without notice. Membership eligibility required. Offer valid
through June 30, 2017.

** Your rate may vary and will be determined by your individual credit profile and your home’s
available value (determined by appraisal less any outstanding mortgages). Minimum loan
amount is $5,000. Minimum new money or advance amount at time of closing must be $7,500 to
qualify for minimal closing costs. Owner-occupied residences only. The fees to be waived are
the Property Search, Flood Search and Recording Fee. If the loan is paid off within a 36 month
period, fees may be reassessed and included in final payoff. The Satisfaction Fee will not be
waived and will be collected at the end of the term of the loan. Any additional fees, including
appraisal fees, will be the responsibility of the member. Other conditions/restrictions may apply.
Programs, rates, terms and conditions are subject to change without notice. Membership eligibility
required.

† Maximum of two (2) termed out segments within master line of credit at any one time. Segments
have a fixed rate (the rate will not increase at any time while the plan is open), term and
payment. Combined total of segments cannot exceed maximum amount of master line of credit.
As balance of segment is reduced, it will proportionately increase available amount of master
line of credit. The rate on the master line of credit portion is variable, Prime Rate + 0% for up to
80% LTV (loan to value), Prime Rate + 1% between 80.01% and 90% LTV and is subject to change
monthly. This rate varies with the market based on the Prime Rate published in the Wall Street
Journal. The annual percentage rate (APR) may increase after consummation; maximum ceiling
APR is 18%.

Service 1st Federal Credit Union, 1419 Montour Boulevard, PO Box 159, Danville, PA 17821. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.

Service 1st Federal Credit Union routing number: 231387602.

*APR denotes Annual Percentage Rate and APY denotes Annual Percentage Yield. Click here or call us at 800.562.6049 for more information regarding current rates, terms and conditions. All Credit Union loan and deposit programs, rates, terms and conditions are subject to change at any time without notice.

DISCLAIMER
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Links to other websites found here are provided to assist in locating information. The mere fact that there is a link between this website and another does not constitute a product or program endorsement by Service 1st FCU or any of its employees. Service 1st FCU has no responsibility for content of the websites found at these links, or beyond, and does not attest to the accuracy or propriety of any information located there.