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

New/Used Automobile and Truck Rates
First Time Buyer Rates
Watercrafts and Motorcycles Rates
Recreational Vehicle Rates
Personal Loan Rates
Computer Loan Rates
Career Supply Loan Rates
MasterCard Rates
Share Secured Rates

How To Open An Account

Option 1

Complete an application online.

Option 2

Visit a Branch

Autoland Discount

New Automobile and Truck Rates
Effective Date: Saturday, March 6th, 2021
100% of Retail on Purchases
APR	Minimum Loan Amount	Term (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.

Used Automobile and Truck Rates
Effective Date: Saturday, March 6th, 2021
100% of Retail on Purchases
APR	Loan Amount	Term (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.

First Time Auto Buyer Rates
Effective Date: Saturday, March 6th, 2021
100% of Retail on Purchases. $20,000 max loan amount.
APR	Maximum Loan Amount	Term (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.

Watercrafts and Motorcycles Rates
Effective Date: Saturday, March 6th, 2021
90% of Retail on Purchases
APR	Minimum Loan Amount	Term (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

Recreational Vehicle Rates
Effective Date: Saturday, March 6th, 2021
85% of Retail on Purchases
APR	Minimum Loan Amount	Term (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.

Personal Loan Rates
Effective Date: Saturday, March 6th, 2021
Loan Type	APR	Loan Amount	Term (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.

Computer Loan Rates
Effective Date: Saturday, March 6th, 2021
Loan Type	APR	Loan Amount	Term (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.

Career Supply Loan Rates
Effective Date: Saturday, March 6th, 2021
Available to School and Hospital Employees
Loan Type	APR	Loan Amount	Term (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 Type	APR	Loan Amount	Term (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.

Share Secured Rates
Effective Date: Saturday, March 6th, 2021
Loan Type	Term	Current 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.

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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Rates

Table of Contents

How To Open An Account

Option 1

Option 2

Visit a Branch