*APR-Annual Percentage Rate. Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply:
Get 0.50% rate discount if member has an active direct deposit of at least $1,000 per month.
Get 0.25% rate discount if member enrolls in Auto Pay at the time of funding.
Maximum Auto Loan Discount available is 0.75%.
Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness.
Cash-out auto loans: Max LTV is 80% and max term is 60 months.
*APR - Annual Percentage Rate. Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Rates subject to change without notice. Rate discounts that apply:
Get 0.50% rate discount if member has an active direct deposit of at least $1,000 per month.
Get 0.25% rate discount if member enrolls in Auto Pay at the time of funding.
Maximum Auto Loan Discount available is 0.75%.
Finance up to 125% Kelley Blue Book value on used vehicles, including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness.
Cash-out auto loans: Max LTV is 80% and max term is 60 months.
*APR=Annual Percentage Rate. 100% of Retail on Purchases. Max loan amount for Watercraft is $150, 000 and Motorcycles is $50,000. Max loan amount for RVs is $125,000. Rates subject to change without notice.
**Watercrafts only
Recreational, watercrafts, and motorcycles do not qualify for discounts.
*APR=Annual Percentage Rate. Max discount rate is 0.75. Rates displayed reflect the max discount. Rates subject to change without notice.
Available discounts for personal loans include:
Deduct 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month).
Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding.
**Personal Line of Credit are excluded from discounts.
***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.
Personal Loan terms from 1 to 60 Months.
Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). All loans subject to credit approval. Rate and term determined based on creditworthiness. The rate will not increase while the loan is standing. Cannot be combined with any other offer. Credit Union membership required with a minimum deposit of $5.00. Some restrictions apply. Rates and terms subject to change without notice. Speak to a Foothill rep for more info.
A sample monthly payment on a $10,000 loan at 12.75% APR with a 60 month term is $229.62.
Mortgage - Fixed
Term
Rate
Points
APR*
Estimated Payment/$1,000
15 year
5.750%
0.500
5.840%
$8.30
15 year
5.875%
0.000
6.015%
$8.37
20 year
6.000%
0.500
6.173%
$7.15
20 year
6.125%
0.000
6.237%
$7.24
30 year
6.375%
0.500
6.508%
$6.24
30 year
6.500%
0.000
6.586%
$6.32
Last Modified: 6/23/2026
*APR=Annual Percentage Rate. Rates subject to change without notice.
Fixed rate mortgages conforming loans up to $832,750. Plus Closing Cost.
Mortgage - No Cost Fixed
Term
Rate
Points
APR*
Estimated Payments/$1,000**
10 year
6.375%
0.000
6.250%
$11.29
15 year
6.375%
0.000
6.250%
$8.64
30 year
7.000%
0.000
6.875%
$6.65
Last Modified: 6/23/2026
*APR=Annual Percentage Rate. Rates subject to change without notice.
Loans up to $832,750. Maximum loan to value of 80%.
Mortgage - Conforming High Balance Fixed
Term
Rate
Points
APR*
Estimated Payment/$1,000
15 year
5.750%
0.500
5.913%
$8.30
15 year
5.875%
0.000
5.961%
$8.37
30 year
6.375%
0.500
6.475%
$6.24
30 year
6.500%
0.000
6.553%
$6.32
Last Modified: 6/23/2026
*APR=Annual Percentage Rate. Rates subject to change without notice.
Conforming high balance fixed rate products up to $1,249,125. Plus Closing Cost.
Limits based on geographic location.
Mortgage - Jumbo
Term
Rate
Points
APR*
Estimated Payment/$1,000
30 year
6.500%
0.000
6.553%
$6.32
Last Modified: 6/23/2026
*APR=Annual Percentage Rate. Rates subject to change without notice.
Jumbo Fixed Rate Special Up to $2,000,000 (FICO score 750 or greater)
Mortgage - Adjustable
Term
Rate
Margin
Points
Caps
APR*
Estimated Payment/$1,000
5/1 ARM
5.625%
2.500%
0.000
1/1/4
5.680%
$5.76
7/1 ARM
5.875%
2.500%
0.000
1/1/4
5.930%
$5.92
10/1 ARM
6.125%
2.500%
0.000
1/1/4
6.177%
$6.08
Last Modified: 6/23/2026
*APR=Annual Percentage Rate. Rates subject to change without notice.
The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate.
The current Index Value is 3.79% as of 06/18/2026 and is subject to change with out notice.
Monthly payments may increase corresponding to changes in the rates.
The maximum rate and APR over the life of the loan is 4% from the start rate.
Home Equity Loan
Terms up to 120 Months
APR
Loan Amount
Estimated Payment/$1,000
80% financing
6.49% - 8.99%
$350,000
$11.36-$12.67
Last Modified: 6/23/2026
APR=Annual Percentage Rate. Rates subject to change without notice.
Terms 121 Months to 180 Months
APR
Loan Amount
Estimated Payment/$1,000
80% financing
6.99% - 9.49%
$350,000
$8.99 - $10.44
Last Modified: 6/23/2026
APR=Annual Percentage Rate. Rates subject to change without notice.
Home Equity Line of Credit
Term
Maximum Loan Amount
Credit Score
Margin
Current APR*
APR after Intro Rate
180 Months
$500,000
760+
-0.25
4.99% - 12 Month Intro %
6.50%
180 Months
$500,000
700-759
0.00
4.99% - 12 Month Intro %
6.75%
180 Months
$500,000
660-699
0.50
4.99% - 12 Month Intro %
7.25%
180 Months
$500,000
620-659
1.00
4.99% - 12 Month Intro %
7.75%
Last Modified: 6/23/2026
*APR = Annual Percentage Rate. Rates subject to change without notice.
The variable APR is based on the WSJ Prime Rate and margin. Sample current APR 6.50% as of 12/18/25. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%. Rates subject to change without notice.
Share (Savings) Account
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
0.45%
0.45%
Summertime Savings for School Employees1
$50.00
$50.00
5.83%
6.00%
Educator Plus Savings***
$0.00
$0.00
0.55%
0.55%
Christmas Club
$50.00
$50.00
0.45%
0.45%
Rainy Day Savings (less than $2,500)****
$5.00
$5.00
0.45%
0.45%
Rainy Day Savings ($2,500+)****
$5.00
$5.00
0.05%
0.05%
Flex Savings (New Money Only)†
$2,000
$2,000
2.96%
3.00%
Last Modified: 6/23/2026
*APY= Annual Percentage Yield. Rates subject to change without notice.
** Make deposits through direct deposit, payroll deduction, transfer funds using online banking, or add money at any of our branches. Minimum deposit per month is $50 ; maximum deposit per month is $3,000.
***Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings.
**** $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.
1 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. Additional funds exceeding $3,000 a month will be transferred to your savings account at the end of each month. Dividends will not be earned on any deposits over $3,000. Members with a Christmas Club and a Summertime Savings are allowed a combined maximum deposit of $3,000 per month into both accounts. See the credit union for clarification.
One account per member.
† Must maintain a $2,000 balance to earn interest. New money only. New money is considered as funds that have been deposited into the credit union in the last 90 days. No penalty for withdrawals.
Share Certificate
Term
Dividend Rate
APY*
6 Month
3.20%
3.25%
9 Month
3.20%
3.25%
12 Month
2.91%
2.95%
12 Month - New Money Flex Certificate
3.68%
3.75%
24 Month
3.05%
3.10%
28 Month (Online only)†
3.15%
3.20%
36 Month
3.25%
3.30%
48 Month
3.39%
3.45%
60 Month
3.87%
3.95%
Last Modified: 6/23/2026
All Share Certfificates require a $2,000 minimum balance, unless noted.
*APY= Annual Percentage Yield. Rates subject to change without notice.
**APY assumes that dividends will remain in the account until maturity. Make unlimited additional deposits with new money and one penalty free withdrawal during initial term of the CD. Additional withdrawals prior to certificate maturity will result in a penalty. At maturity, certificate will automatically roll over to the standard 12-month certificate with corresponding rate at that time, unless otherwise specified by the member prior to maturity date.
†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.
Checking Accounts
Account Type
Account Minimum
Dividend Minimum
Dividend Rate
APY*
Protection Plus Checking
$0.00
<$2,500
2.96%
3.00%
Protection Plus Checking
$0.00
$2,500.01-$5,000
0.75%
0.75%
Protection Plus Checking
$0.00
$5,000 - $10,000
0.25%
0.25%
Protection Plus Checking
$0.00
>$10,000
0.10%
0.10%
Rewards Checking*
$0.00
<$2,500
2.96%
3.00%
Rewards Checking
$0.00
$2,500.01 - $5,000
0.75%
0.75%
Rewards Checking
$0.00
$5,000.01 - $10,000
0.25%
0.25%
Rewards Checking
$0.00
>$10,000
0.10%
0.10%
Simply Free Checking
$0.00
N/A
N/A
N/A
Junior Checking
$0.00
N/A
N/A
N/A
Teen Checking
$0.00
N/A
N/A
N/A
Last Modified: 6/23/2026
* APY= Annual Percentage Yield. APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Rates subject to change without notice.
Fees could reduce earnings on account. The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.
Money Market
Term
Account Minimum
Dividend Minimum
Dividend Rate
APY*
Tier 1
$1,000
$1,000
0.30%
0.30%
Tier 2
$2,500
$2,500
0.35%
0.35%
Tier 3
$10,000
$10,000
0.40%
0.40%
Tier 4
$20,000
$20,000
0.45%
0.45%
Tier 5
$50,000
$50,000
0.50%
0.50%
Tier 6
$100,000
$100,000
0.60%
0.60%
Tier 7
$250,000
Over $250,000
0.65%
0.65%
Last Modified: 6/23/2026
*APY= Annual Percentage Yield. Rates subject to change without notice.
The rates above are variable, subject to change without notice, and are anticipated rates and annual percentage yields for the current dividend period.
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