ASSOCIATES FIRST CAPITAL CORP
424B3, 1995-10-17
PERSONAL CREDIT INSTITUTIONS
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<TABLE>

<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                      6.10%                    6.24%
SUPPLEMENT             2 Years                     6.35%                    6.50%
DATED                  3 Years                     6.40%                    6.56%
OCTOBER 16, 1995       4 Years                     6.60%                    6.77%
                       5 Years                     6.65%                    6.82%          
                     

</TABLE>
                                          
                                         
                         $1,000 MINIMUM PURCHASE

   
                           Recent Development 

On October 12, 1995, Ford Motor Company ("Ford"), the indirect parent
corporation of the Company announced that it is reviewing possible 
strategic actions with respect to its Financial Services Group, which 
actions could include a partial sale of the Company.  If such sale is 
consummated, the Company would no longer be wholly owned by Ford.

    


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