*APR-Annual Percentage Rate. Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 5.74%. Rates subject to change without notice. Rate discounts that apply:
Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month). Existing direct deposits do not qualify
Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding
Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding
Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs
Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Max LTV is 90%-125%, 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 5.99%. Rates subject to change without notice. Rate discounts that apply:
Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month). Existing direct deposits do not qualify
Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding
Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding
Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs
Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Max LTV is 90%-125%, 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 and Motorcycles is $150,000. 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 include:
Deduct 0.50% 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.
**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
5.250%
0.500
5.463%
$8.04
15 year
5.375%
0.000
5.513%
$8.10
20 year
5.500%
0.500
5.670%
$6.88
20 year
5.625%
0.000
5.735%
$6.95
30 year
5.875%
0.500
6.004%
$5.92
30 year
6.000%
0.000
6.084%
$6.00
Last Modified: 9/11/2024
*APR=Annual Percentage Rate. Rates subject to change without notice.
Fixed rate mortgages conforming loans up to $766,500. Plus Closing Cost.
Mortgage - No Cost Fixed
Term
Rate
Points
APR*
Estimated Payments/$1,000**
10 year
6.000%
0.000
6.000%
$11.10
15 year
6.000%
0.000
6.000%
$8.44
30 year
6.375%
0.000
6.375%
$6.24
Last Modified: 9/11/2024
*APR=Annual Percentage Rate. Rates subject to change without notice.
Loans up to $766,500. Maximum loan to value of 80%.
Mortgage - Conforming High Balance Fixed
Term
Rate
Points
APR*
Estimated Payment/$1,000
15 year
5.250%
0.500
5.411%
$8.04
15 year
5.375%
0.000
5.460%
$8.10
30 year
5.875%
0.500
5.972%
$5.92
30 year
6.000%
0.000
6.052%
$6.00
Last Modified: 9/11/2024
*APR=Annual Percentage Rate. Rates subject to change without notice.
Conforming high balance fixed rate products up to $1,149,825. 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: 9/11/2024
*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 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
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: 9/11/2024
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: 9/11/2024
APR=Annual Percentage Rate. Rates subject to change without notice.
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: 9/11/2024
*APR = Annual Percentage Rate. Rates subject to change without notice.
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%
Flex Savings (New Money Only)†
$15,000
$15,000
3.92%
4.00%
Last Modified: 9/11/2024
*APY= Annual Percentage Yield. Rates subject to change without notice.
** 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 $2,500 per month into both accounts. See the credit union for clarification.
One account per member.
† Must maintain a $15,000 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*
3 Month (FLEX SPECIAL)**
4.40%
4.50%
6 Month (FLEX SPECIAL)**
4.16%
4.25%
6 Month
2.47%
2.50%
12 Month
2.96%
3.00%
24 Month
3.20%
3.25%
28 Month (Online only)†
3.30%
3.35%
36 Month
3.34%
3.40%
48 Month
3.44%
3.50%
60 Month
3.68%
3.75%
Last Modified: 9/11/2024
$2,000 Minimum Balance.
*APY= Annual Percentage Yield. Rates subject to change without notice.
**3-month and 6-month flex certificate: APY assumes that dividends will remain in the account until maturity. Unlimited additional deposits and one penalty free withdrawal during initial term of the CD. Additional withdrawals prior to certificate maturity will result in a penalty. Minimum Balance is required in order to open Term Share Certificate and earn dividends. Early withdrawal penalties do apply which may reduce the principal. The promotional 3-month or 6-month term share certificate (TSC) have a $2,000 minimum deposit. No maximum, although, a member’s total aggregate deposits may not exceed $2.5 million. At maturity, certificate will automatically roll over to the standard 3-month or 6-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
4.40%
4.50%
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
4.40%
4.50%
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: 9/11/2024
* 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
$1,000.00
$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: 9/11/2024
*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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