Disclosures

Copyright Notice and Disclosures

Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied or reproduced without prior written consent of First Federal Bank.

Copyright Information

©2017 First Federal Bank, All Rights Reserved
©2014 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within First Federal Bank’s website does not imply endorsement of that product, service or publication. First Federal Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. First Federal Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Disclosures

Facts, data and other information presented on First Federal Bank website pages are provided directly by First Federal Bank.

First Federal Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of First Federal Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of First Federal Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Home Equity Loan Rate Disclosures:
Fixed Rate Home Equity Loan – Rates and terms subject to change. Normal underwriting guidelines apply.  Property must be owner-occupied.  Applicable closing costs and fees may apply.  Appraisal, title insurance and property insurance are required.  Flood insurance required if applicable.

Home Equity Line of Credit – Rate is indexed to the prime rate published in the Wall Street Journal, and can increase or decrease with changes in the prime rate.  The rate cannot exceed 18%.  Property must be owner-occupied.  Normal underwriting guidelines apply.  Appraisal, title insurance and property insurance are required.  Flood insurance required if applicable. 

Mortgage Loan Rate Disclosures:
30-Year, 20-Year, 15-Year and 10-Year Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply.  Borrower is responsible for applicable closing costs.  Appraisal, title insurance and property insurance are required.  Flood insurance required if applicable. 

Construction Loan – Rates and terms subject to change.  Normal underwriting guidelines apply. Borrower is responsible for applicable closing costs.  Interest only payments required through construction completion.

Adjustable Rate Mortgage (ARM) – Rates and terms subject to change.  Interest rate cannot change during the initial fixed rate period.  Subsequent annual adjustments may increase or decrease interest rates based on the specific ARM program parameters.  Normal underwriting guidelines apply.  Borrower is responsible for applicable closing costs.  Appraisal, title insurance and property insurance are required.  Flood insurance required if applicable.