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Foothill Credit Union
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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.

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How To Open An Account

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Complete an application online.

Become a member

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or

Visit a Branch

 

Autoland Discount

New Automobile and Truck Rates
Effective Date: Saturday, March 6th, 2021
100% of Retail on Purchases
APRMinimum Loan AmountTerm (months)Estimated Payment/$1,000
2.90%*-16.25% N/A Up to 36 $28.92-$34.81
2.90%*-16.25% N/A 48 $22.03-$28.08
3.10%*-17.00% $10,001 60 $17.97-$24.52
3.35%*-17.00% $20,001 72 $15.31-$21.94
3.35%*-17.10% $30,001 84+ $13.34-$20.20
*Rate discounts may apply:
  • 0.25% discount for our electric and hybrid vehicles
  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
  • 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.
Apply Now
Used Automobile and Truck Rates
Effective Date: Saturday, March 6th, 2021
100% of Retail on Purchases
APRLoan AmountTerm (months)Estimated Payment/$1,000**
3.15%*-16.50% N/A Up to 36 $29.07-$34.93
3.15%*-16.50% N/A 48 $22.14-$28.21
3.35%*-17.25% $10,001 60 $18.07-$24.63
3.60%*-17.25% $20,001 72 $15.42-$22.07
3.60%*-17.35% $30,001 84+ $13.45-$20.34
*Rate discounts may apply:
  • 0.25% discount for our electric and hybrid vehicles
  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
  • 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.
Apply Now
First Time Auto Buyer Rates
Effective Date: Saturday, March 6th, 2021
100% of Retail on Purchases. $20,000 max loan amount.
APRMaximum Loan AmountTerm (months)Estimated Payment/$1,000**
5.50%-6.40% Up to $10,000 Up to 48 $30.16-$23.37
5.50%-6.40% $10,001-$20,000 Up to 60 $30.16-$19.28
*Rate discounts may apply:
  • 0.25% discount for our electric and hybrid vehicles
  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
  • 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.
Apply Now
Watercrafts and Motorcycles Rates
Effective Date: Saturday, March 6th, 2021
90% of Retail on Purchases
APRMinimum Loan AmountTerm (months)Estimated Payment/$1,000**
5.35%*-17.95% N/A Up to 36 $30.13-$36.13
6.10%*-17.95% N/A 48 $23.53-$29.35
6.85%*-17.95% $10,000 60 $19.73-$25.37
7.60%*-17.95% $15,000 72** $17.34-$22.78
8.35%*-17.95% $30,000 84+** $15.76-$20.99

*Rate discounts may apply:

  • 0.50% discount for auto transfer from an Foothill checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees

** Watercrafts only

Apply Now
Recreational Vehicle Rates
Effective Date: Saturday, March 6th, 2021
85% of Retail on Purchases
APRMinimum Loan AmountTerm (months)Estimated Payment/$1,000**
4.85%*-17.85% N/A Up to 36 $29.90-$36.08
5.35%*-17.85% N/A 48 $23.19-$29.30
5.85%*-17.85% $10,001 60 $19.26-$25.31
6.35%*-17.85% $20,001 72 $16.74-$22.72
6.85%*-17.85% $30,001 84+ $15.02-$20.93
Rate discounts may apply:
  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
Apply Now
Personal Loan Rates
Effective Date: Saturday, March 6th, 2021
Loan TypeAPRLoan AmountTerm (months)Estimated Payment/$1,000
Signature Loan 8.50%*-16.25% $500 Minimum - $25,000 Maximum 36 $31.56- $35.28
Signature Loan 10.50%*-18.00% $500 Minimum - $25,000 Maximum 48 $25.60-$29.37
Personal Line 10.50%*-18.00% $25,000 Maximum N/A N/A
*Rate reflects a 0.50% discount for auto transfer from an Foothill checking account with direct deposit.
Other available discounts include:
  • 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees
Fresh Start Personal Loan 2.00% $1,000 Minimum with a $5,000 Maximum 36 $28.64
If member does not have funds on deposit; proceeds from this loan go into the share account, then a hold is placed on the funds until the loan is paid in full.
Apply Now
Computer Loan Rates
Effective Date: Saturday, March 6th, 2021
Loan TypeAPRLoan AmountTerm (months)Estimated Payment/$1,000**
Computer Loan 5.90% $2,000 Maximum 24 $88.60
All proceeds will be paid directly to the computer distributor. In the case of an Internet purchase, the proceeds will be paid directly to the member s credit card account that was used to make the purchase. A copy of the statement and invoice will be required.
Apply Now
Career Supply Loan Rates
Effective Date: Saturday, March 6th, 2021
Available to School and Hospital Employees
Loan TypeAPRLoan AmountTerm (months)Estimated Payment/$1,000**
Career Supply Loan 0%- 2.90% 1,000 12 $0 - $15.78
Core SEG school and hospital employee will receive 0% if payment is made through auto payment from an Foothill checking account with direct deposit or payroll deduction of $500 or more.
MasterCard Rates
Effective Date: Saturday, March 6th, 2021
Loan TypeAPRLoan AmountTerm (months)
Platinum 8.75%-15.25% $25,000 Maximum N/A
Platinum Rewards 10.25%-16.75% $25,000 Maximum N/A
Credit Builder 17.90% To be determined by amount secured in shares N/A
A rate is based on a variety of factors, including the applicants credit rating.
Apply Now
Share Secured Rates
Effective Date: Saturday, March 6th, 2021
Loan TypeTermCurrent APR
Share Secured Up to 60 Months 2.05%
Share secured loans are available for up to 100% of the share balance at 2% over the current rate.
Apply Now

Fresh Start Loan, Share Secured Loans, Real Estate Loans, and MasterCard Loans are excluded from discounts.

This summary is for information purpose only. Loan amounts, terms, and interest rates are subject to change without notice. Deduction may result on a lower payment than what is posted or sampled. All loans are subject to credit approval. Credit life and Disability Insurance is available on all loans except Real Estate loans.

Loan approval subject to credit and income evaluation.

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