Rates

Competitive rates and personal service––that’s what you’ll get at Foothill Credit Union. Whether you’re looking for the rate on a particular loan or credit card, or interest rates on savings accounts, make this your first stop for rate information. You’ll quickly realize the credit union difference when you compare our rates to banks.

Dividend Rates

Checking Account Rates

Loan Rates

Home Equity Rates

Mortgage Rates

Share Accounts
Effective Date: Friday, January 17th, 2020
Account Type	Account Minimum	Dividend Minimum	Dividend Rate	APY
Regular Shares	$5.00	$150.00	0.05%	0.05%
Summertime Savings*	$50.00	$50.00	1.49%	1.50%
Summertime Savings for School Employees†	$50.00	$50.00	4.16%	4.25%
Educator Plus Savings***	$0.00	$0.00	1.98%	2.00%
Rainy Day Savings**	$5.00	$5.00	1.49%	1.50%
Christmas Club	$50.00	$50.00	1.49%	1.50%
* With payroll deposit, maximum amount of deposit per month $2,000.00; $5 early withdrawal penalty period: Sept 1st – May 31st.
** $5 min. - $250 max monthly Foothill account transfer. Regular Share rate will apply to any balance over $2,500. Each additional withdrawal within the 90 day period will incur a $2.00 fee. Each withdrawal made will reset the month count for applicable bonuses.
† School employees on a 10 and 11 month pay period schedule. Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. Members with a Christmas Club and a Summertime Savings are allowed a combined maximum deposit of $2,000 per month into both accounts. Contact the credit union for complete details. See the credit union for clarification.
***Funds transferred from SummerTime Savings Account only. Withdrawal is allowed within the first 30 days of the transfer. A $5 withdrawal fee is assesed if done after the first 30 days. One account per member.

Youth (Savings) Share Accounts
Effective Date: Friday, January 17th, 2020
Term	Account Minimum	Dividend Minimum	Dividend Rate	APY
MoneyLand (Ages 8-under)	$5.00	$5.00	0.15%	0.15%
Money101 (Ages 9-12)	$5.00	$5.00	0.15%	0.15%
Money$mart (Ages 13-17)	$5.00	$25.00	0.15%	0.15%
MoneyBound (Ages 18-24)	$5.00	$50.00	0.15%	0.15%
The above rates are variable, subject to change without notice and are anticipated rates and annual percentage yields for the current dividend rate.
0.10 rate bonus when balance reaches $500, $1,000, and $1,500.

Regular Share IRA
Effective Date: Friday, January 17th, 2020
Level	Account Minimum	Dividend Minimum	Dividend Rate	APY
Tier 1	$50.00	$150.00	0.30%	0.30%
Tier 2	$2,500.00	$2,500.00	0.30%	0.30%
Tier 3	$10,000.00	$10,000.00	0.35%	0.35%
Tier 4	$20,000.00	$20,000.00	0.45%	0.45%
Tier 5	$50,000.00	$50,000.00	0.55%	0.55%
Tier 6	over $100,000	over $100,000	0.75%	0.75%
Tier 7	over $250,000	over $250,000	0.90%	0.90%
The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.
If your average daily balance is from $50 to $2,499, the first dividend rate and annual percentage yield listed for this account will apply.

Money Market Account
Effective Date: Friday, January 17th, 2020
$1,000 Minimum
Term	Account Minimum	Dividend Minimum	Dividend Rate	APY
Tier 1	$1,000.00	$1,000.00	0.30%	0.30%
Tier 2	$2,500.00	$2,500.00	0.30%	0.30%
Tier 3	$10,000.00	$10,000.00	0.35%	0.35%
Tier 4	$20,000.00	$20,000.00	0.45%	0.45%
Tier 5	$50,000.00	$50,000.00	0.55%	0.55%
Tier 6	$100,000.00	$100,000.00	0.75%	0.75%
Tier 7	$250,000.00	Over 250000	0.90%	0.90%
The rates above are variable, subject to change without notice, and are anticipated rates and annual percentage yields for the current dividend period.

Share Certificates
Effective Date: Friday, January 17th, 2020
$2,000 Minimum
Term	Dividend Rate	APY
	Share Certificate	$2,000 Minimum
6 Month Certificate	1.50%	1.50%
12 Month Certificate	1.78%	1.80%
24 Month Certificate	2.13%	2.15%
28 Month Certificate*	2.37%	2.40%
*Online Certificate Special: 28 Month Certificate can only be opened via Foothill's online banking. If you currently do not have online banking, please call us at (626) 445-0950 to set-up access. Maximum deposit of $250,000.
36 Month Certificate	2.23%	2.25%
48 Month Certificate	2.32%	2.35%
60 Month Certificate	2.42%	2.45%

Jumbo Certificates
Effective Date: Friday, January 17th, 2020
$50,000 Minimum
Term	Dividend Rate	APY
6 Months Certificate	1.59%	1.60%
12 Months Certificate	1.88%	1.90%
24 Months Certificate	2.23%	2.25%
36 Months Certificate	2.32%	2.35%
48 Months Certificate	2.42%	2.45%
60 Months Certificate	2.52%	2.55%

Regular IRA Certificate
Effective Date: Friday, January 17th, 2020
$2,000 Minimum
Term	Dividend Rate	APY
12 Month Certificate	1.78%	1.80%
24 Month Certificate	2.13%	2.15%
36 Month Certificate	2.23%	2.25%
48 Month Certificate	2.32%	2.35%
60 Month Certificate	2.42%	2.45%

Jumbo IRA Certificate
Effective Date: Friday, January 17th, 2020
$50,000 Minimum
Term	Dividend Rate	APY
12 Months Certificate	1.88%	1.90%
24 Months Certificate	2.23%	2.25%
36 Months Certificate	2.32%	2.35%
48 Months Certificate	2.42%	2.45%
60 Months Certificate	2.52%	2.55%

Youth Saver Certificate
Effective Date: Friday, January 17th, 2020
$25 Minimum
Term	Dividend Rate	APY
12 Month Certificate	1.98%	2.00%
Additional $25 deposits will be allowed at anytime. One penalty free withdrawal during 12-month term. Only Youth Account members are allowed to have a Youth Saver Certificate.

Hospital Employee Certificate
Effective Date: Friday, January 17th, 2020
Term	Account Minimum	Dividend Rate	Annual Percentage Yield (APY)
12 Months Certificate	$500.00	2.95%	3.00%
Account minimum is $500, maximum balance is $10,000.
Members may open multiple Hospital Employee Certificates for a max deposit of $10K.

Rates and terms are subject to change without notice. Share deposits are insured by the NCUA to a maximum of $250,000. IRA's are insured separately by the NCUA to a maximum of $250,000. There is a substantial penalty for early withdrawal of certificate funds which could reduce the earnings on your account. There may be an additional IRS penalty for early withdrawal of IRA funds.

Your savings are federally insured to at least $250,000 and backed by the full faith and Credit of the United States Government; NCUA-National Credit Union Administration, a U.S. Government Agency.

APY=Annual Percentage Yield

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