ASSOCIATES FIRST CAPITAL CORP, 424B3, 1995-01-13

ASSOCIATES FIRST CAPITAL CORP
424B3, 1995-01-13
PERSONAL CREDIT INSTITUTIONS

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<CAPTION>
                                                                                   Effective Annual Yield if
                                                                                   Interest Compounded 
                                                                                   Quarterly
                                                  Interest Rate                    and Paid Annually 
                      Note Maturity               Per Annum                        or at Maturity
                      ------------                -------------                    -------------------------
<S>                  <C>                          <C>                               <C>.
                      1 Year                       7.00%                             7.19%
Supplement            2 Years                      7.70%                             7.93%
Dated                 3 Years                      7.85%                             8.08%
January 13, 1995      4 Years                      7.90%                             8.14%
                      5 Years                      8.15%                             8.40%          
                     

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                         $1,000 MINIMUM PURCHASE
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