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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
5.99% $5,000 Up to 36 $30.42
5.99% $5,000 48 $23.48
6.10% $10,000 60 $19.38
6.35% $15,000 72 $16.74
6.75% $30,000 84 $14.97
7.75% $50,000 96 $14.01

Last Modified: 5/22/2024

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Max loan amount is $200,000.

*APR-Annual Percentage Rate. Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 5.99%. Rates subject to change without notice. Rate discounts that apply:

  • 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. 

Max LTV is 90%-125%, based on creditworthiness.
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
6.24 $5,000 Up to 36 $30.53
6.24 $5,000 48 $23.60
6.25 $10,000 60 $19.45
6.50 $15,000 72 $16.81
7.25 $30,000 84 $15.22
7.75 $50,000 96 $14.01

Last Modified: 5/22/2024

Calculate Your Savings

 

Max loan amount is $200,000.

*APR-Annual Percentage Rate. Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 6.24%. Rates subject to change without notice. Rate discounts that apply:

  • 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. 
Max LTV is 90%-125%, based on creditworthiness.
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: 5/22/2024

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*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.

 

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: 5/22/2024

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*APR=Annual Percentage Rate. 75%-85% of Retail on Purchases. Max loan amount is $125,000. Rates subject to change without notice.

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 18.00% To be determined by amount secured in shares

Last Modified: 5/22/2024

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

Rates subject to change without notice. No annual fee.

Personal Loan

Loan Type Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000
Personal Loan 10.00% $3,001 Minimum - $100,000 Maximum 36 $32.27
Personal Loan 11.00% $8,001 Minimum - $100,000 Maximum 48 $25.85
Personal Loan 12.00% $25,000 Minimum - $100,000 Maximum 60 $22.24
Personal Line of Credit 10.50% $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: 5/22/2024

Calculate Your Savings

 

*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 6.125% 0.500 6.344% $8.51
15 year 6.250% 0.125 6.411% $8.57
20 year 6.250% 0.500 6.435% $7.31
20 year 6.375% 0.000 6.488% $7.38
30 year 6.750% 0.500 6.886% $6.49
30 year 6.875% 0.000 6.963% $6.57

Last Modified: 5/22/2024

*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 6.625% 0.000 6.625% $11.42
15 year 6.625% 0.000 6.625% $8.78
30 year 7.375% 0.000 7.375% $6.91

Last Modified: 5/22/2024

*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 6.125% 0.500 6.290% 8.51
15 year 6.250% 0.000 6.337% $8.57
30 year 6.375% 0.500 6.853% $6.49
30 year 6.875% 0.000 6.929% $6.57

Last Modified: 5/22/2024

*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: 5/22/2024

*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: 5/22/2024

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: 5/22/2024

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: 5/22/2024

*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%

Last Modified: 5/22/2024

*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 $2,000 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 2.47% 2.50%
6 Month (SPECIAL)** 4.74% 4.85%
12 Month 2.96% 3.00%
12 Month (SPECIAL)*** 4.64% 4.75%
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: 5/22/2024

$2,000 Minimum Balance

*APY= Annual Percentage Yield. Rates subject to change without notice.

**6-month 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 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 6-month certificate with corresponding rate at that time, unless otherwise specified by the member prior to maturity date. 

***12-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. No maximum, although, a member’s total aggregate deposits may not exceed $2.5 million. Early withdrawal penalties do apply which may reduce the principal. No additional deposits can be made during the term of the promotional certificate. The 12-month share certificates (TSC) have a $2,000 minimum deposit. No maximum. 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 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: 5/22/2024

* 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: 5/22/2024

*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.