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Rate Pull for Datatrac

Foothill rates than can be compared to the competition

New Automobile and Truck

Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payments/$1,000
6.24% $5,000 Up to 36 $30.53
6.24% $5,000 48 $23.60
6.35% $10,000 60 $19.50
6.60% $15,000 72 $16.86
7.00% $30,000 84 $15.09
8.00% $50,000 96 $14.14

Last Modified: 12/3/2023

Calculate Your Savings

 

100% of Retail on Purchases. Max loan amount is $200,000.

*APR-Annual Percentage Rate. Rate shown includes discounts (max of 0.50% discount per loan). New Auto Floor Rate is 6.24%. Rate discounts that apply:

  • Deduct 0.25% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month). Existing direct deposits do not qualify.
  • Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. 
  • Deduct 0.25% on auto loans if member opens a new Foothill Mastercard. Existing Mastercards do not qualify.
  • Deduct 0.25% for auto or personal loans if member is employed by one our core School, Hospital, or Municipality partners.
  • Deduct 0.25% for auto loans if member uses our Auto Draft

Cash-out auto loans - Max LTV is 80% and Max term is 60 months.

Used Automobile and Truck

Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
6.49% $5,000 Up to 36 $30.64
6.49% $5,000 48 $23.71
6.50% $10,000 60 $19.57
6.75% $15,000 72 $16.93
7.49% $30,000 84 $15.33
8.49% $50,000 96 $14.39

Last Modified: 12/3/2023

Calculate Your Savings

 

100% of Retail on Purchases. Max loan amount is $200,000.

*APR-Annual Percentage Rate. Rate shown includes discounts (max of 0.50% discount per loan). Used Auto Floor Rate is 6.49%. Rate discounts that apply:

  • Deduct 0.25% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month). Existing direct deposits do not qualify.
  • Deduct 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. 
  • Deduct 0.25% on auto loans if member opens a new Foothill Mastercard. Existing Mastercards do not qualify.
  • Deduct 0.25% for auto or personal loans if member is employed by one our core School, Hospital, or Municipality partners.
  • Deduct 0.25% for auto loans if member uses our Auto Draft
Cash-out auto loans - Max LTV is 80% and Max term is 60 months.

Watercraft and Motorcycle

Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000**
7.00% N/A Up to 36 $30.88
7.50% N/A 48 $24.18
8.30% $10,000 60 $20.42
9.05% $15,000 72** $18.05
9.80% $30,000 84+** $16.50

Last Modified: 12/3/2023

Calculate Your Savings

 

*APR=Annual Percentage Rate. 90% of Retail on Purchases. Max loan amount for Watercraft and Motorcycles is $150,000. Max loan amount for RVs is $125,000. 

**Watercrafts only

Recreational, watercrafts, and motorcycles do not qualify for discounts.

 

Recreational Vehicle

Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
7.24% $10,000 Up to 60 $19.91
7.40% $30,000 72 - 84 $15.29
7.55% $30,000 85 - 96 $13.91
7.75% $30,000 108 - 120 $12.00
8.00% $30,000 121 - 144 $10.82
9.00% $30,000 145 - 180 $10.14

Last Modified: 12/3/2023

Calculate Your Savings

 

*APR=Annual Percentage Rate. 85% of Retail on Purchases. Max loan amount is $125,000. 

Recreational, watercrafts, and motorcycles do not qualify for discounts.

Credit Card

Loan Type Rates As Low As (APR)* Loan Amount
Platinum 14.00% $100,000 Maximum
Platinum Rewards 15.50% $100,000 Maximum
Credit Builder 17.90% To be determined by amount secured in shares

Last Modified: 12/3/2023

Calculate Your Savings

 

*APR-Annual Percentage Rate. A rate is based on a variety of factors, including the applicants credit rating. 

No annual fee.

Personal Loan

Loan Type Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000
Personal Loan 10.75% $3,001 Minimum - $100,000 Maximum 36 $32.62
Personal Loan 11.75% $8,001 Minimum - $100,000 Maximum 48 $25.21
Personal Loan 12.75% $8,001 Minimum - $100,000 Maximum 60 $22.63
Personal Line of Credit 11.25% $100,000 Maximum N/A N/A
Fresh Start Loan** 2.00% $1,000 Minimum with a $5,000 Maximum 36 $28.64

Last Modified: 12/3/2023

Calculate Your Savings

 

*APR=Annual Percentage Rate. Max discount rate is 0.50. Personal loan rates reflect that discount.

Available discounts include:

  • 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.50% discount for auto transfer from an Foothill checking account with direct deposit
**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 10.49% APR up to 18.00% 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 10.49% APR with a 60 month terms is $218, which equates to total payment $13,078.

Mortgage - Fixed

Term Rate Points APR* Estimated Payment/$1,000
15 year 6.625% 0.500 6.823% $8.78
15 year 6.750% 0.000 6.869% $8.85
20 year 6.750% 0.500 6.909% $7.60
20 year 6.875% 0.000 6.971% $7.68
30 year 7.000% 0.500 7.124% $6.65
30 year 7.125% 0.000 7.200% $6.74

Last Modified: 12/3/2023

*APR=Annual Percentage Rate

Fixed rate mortgages conforming loans up to $726,200. Plus Closing Cost.

Mortgage - No Cost Fixed

Term Rate Points APR* Estimated Payments/$1,000**
10 year 7.000% 0.000 7.000% $11.61
15 year 7.000% 0.000 7.000% $8.99
30 year 7.375% 0.000 7.375% $6.91

Last Modified: 12/3/2023

*APR=Annual Percentage Rate

Loans up to $726,200. Maximum loan to value of 80%.

Mortgage - Conforming High Balance Fixed

Term Rate Points APR* Estimated Payment/$1,000
15 year 6.625% 0.500 6.778% $8.78
15 year 6.750% 0.000 6.824% $8.85
30 year 7.000% 0.500 7.095% $6.65
30 year 7.125% 0.000 7.171% $6.74

Last Modified: 12/3/2023

*APR=Annual Percentage Rate

Conforming high balance fixed rate products up to $1,089,300. Plus Closing Cost.
Limits based on geographic location.

Mortgage - Jumbo

Mortgage - Adjustable

Term Rate Margin Points Caps APR* Estimated Payment/$1,000
5/1 7.625% 2.500% 0.000 1/1/4 7.723% $7.08
7/1 7.750% 2.500% 0.000 1/1/4 7.869% $7.16

Last Modified: 12/3/2023

*APR=Annual Percentage Rate
 
  • The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate.
  • The current Index Value is 4.69% as of 03/03/2023 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

Term APR Loan Amount Estimated Payment/$1,000
Terms up to 120 Months
80% financing 7.50% - 8.75% $350,000 $11.87-$12.53

Last Modified: 12/3/2023

APR=Annual Percentage Rate
Term APR Loan Amount Estimated Payment/$1,000
Terms 121 Months to 180 Months
80% financing 8.00% - 10.00% $350,000 $9.56 - $10.75

Last Modified: 12/3/2023

APR=Annual Percentage Rate

Home Equity Line of Credit

Term Maximum Loan Amount Margin Current APR* APR after Intro Rate
180 Months $500,000.00 0.000 2.99% - 3 Month Intro 8.50%

Last Modified: 12/3/2023

*APR = Annual Percentage Rate.

The variable APR is based on the WSJ Prime Rate. Sample current APR 8.50% as of 7/31/23. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%

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)**** $0.00 $0.00 0.45% 0.45%
Rainy Day Savings ($2,500+)**** $0.00 $0.00 0.05% 0.05%

Last Modified: 12/3/2023

*APY= Annual Percentage Yield

** With payroll deposit, maximum amount of deposit per month $2,000

***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. 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.

One account per member.

 

Share Certificate

Term Dividend Rate APY*
6 Month 2.23% 2.25%
6 Month Bump-Up Certificate (discontinued)*** 4.64% 4.75%
7 Month Special† 4.40% 4.50%
12 Month 2.71% 2.75%
12 Month Bump-Up Certificate (discontinued)*** 4.16% 4.25%
24 Month 2.96% 3.00%
28 Month (Online only)** 3.05% 3.10%
36 Month 3.10% 3.15%
48 Month 3.20% 3.25%
60 Month 3.44% 3.50%

Last Modified: 12/3/2023

$2,000 Minimum Balance

*APY= Annual Percentage Yield

** 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.

***6-Month and 12-Month Bump-Up Certificates have been discontinued. Members who already have these certificates and have not requested a bump-up when the rate increased may take advantage of the final rate by calling us at 626-445-0950.

† 7-month certificate – APY assumes that dividends will remain in the account until maturity. Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividends. Early withdrawal penalties do apply which may reduce the principal. No additional deposits can be made during the term of the promotional certificate. The promotional 7-month have a $2,000 minimum deposit. No maximum. At maturity, certificate will automatically roll over to the standard 6-month certificate with corresponding rate at that time, unless otherwise specified by the member prior to maturity date.

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 1.00% 1.00%
Protection Plus Checking $0.00 $5,000 - $10,000 0.50% 0.50%
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 1.00% 1.00%
Rewards Checking $0.00 $5,000.01 - $10,000 0.50% 0.50%
Rewards Checking $0.00 >$10,000 0.10% 0.10%
Simply Free Checking $0.00 N/A N/A% N/A%

Last Modified: 12/3/2023

* 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.

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 $1,000.00 $1,000.00 0.30% 0.30%
Tier 2 $2,500.00 $2,500.00 0.35% 0.35%
Tier 3 $10,000.00 $10,000.00 0.40% 0.40%
Tier 4 $20,000.00 $20,000.00 0.45% 0.45%
Tier 5 $50,000.00 $50,000.00 0.50% 0.50%
Tier 6 $100,000.00 $100,000.00 0.60% 0.60%
Tier 7 $250,000.00 Over $250,000 0.65% 0.65%

Last Modified: 12/3/2023

*APY= Annual Percentage Yield

The rates above are variable, subject to change without notice, and are anticipated rates and annual percentage yields for the current dividend period.