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Loan Rates

Our loan rates are designed to help you make the most of your money.

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Borrow what you need at a competitive rate

We offer home mortgages, vehicle financing, home equity loans, personal loans and more. Our lower rates lead to budget-friendly monthly payments and reduced borrowing costs over the long haul. 

Loan Rates

Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payments/$1,000
4.74% $5,000 Up to 36 $29.85
5.24% $5,000 48 $23.14
5.60% $10,000 Up to 66 $17.64
5.85% $15,000 Up to 78 $15.44
6.25% $25,000 84 $14.73
7.25% $50,000 96 $13.76

Last Modified: 7/18/2026

Calculate Your Savings

 

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 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.

 
Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
4.99% $5,000 Up to 36 $29.97
5.49% $5,000 48 $23.25
5.75% $10,000 Up to 66 $17.71
6.00% $15,000 Up to 78 $15.51
6.74% $25,000 84 $14.97

Last Modified: 7/18/2026

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 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.
Rates As Low As (APR)* Maximum Loan Amount Term (months) Estimated Payment/$1,000
7.49% - New Auto Up to $30,000 Up to 60 $20.03
7.75% - Used Auto Up to $30,000 Up to 60 $20.16

Last Modified: 7/18/2026

Calculate Your Savings

 

*APR-Annual Percentage Rate. 100% of Retail on Purchases. $30,000 max loan amount. Rates subject to change without notice. Max rate discount cannot exceed 0.75%. Rate discounts may apply:

  • Get 0.50% Rate Deduction 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%.
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: 7/18/2026

Calculate Your Savings

 

*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.

 
Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
7.25% $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: 7/18/2026

Calculate Your Savings

 

*APR=Annual Percentage Rate. Up to 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.
Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
7.50% $10,000 Up to 60 $20.04
7.65% $30,000 72 - 84 $15.41
7.80% $30,000 85 - 96 $14.04
7.95% $30,000 108 - 120 $12.11
8.15% $30,000 121 - 144 $10.91
9.25% $30,000 145- 180 $10.29

Last Modified: 7/18/2026

Calculate Your Savings

 

*APR=Annual Percentage Rate. Up to 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.
Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1000
6.99*% $50,000 Maximum Up to 180 Months $8.98

Last Modified: 7/18/2026

Calculate Your Savings

 

*APR-Annual Percentage Rate. Loan To Value up to 85%. Rates subject to change without notice.

This loan is secured by your home. Property must be located in the following counties: Orange, Los Angeles, Riverside, San Bernardion, Ventura and San Diego. Property must be owner-occupied. Rates and terms quoted are for single family dwellings. Member fees may include appraisal, title change, recording fees and any other related fees.
Loan Type Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000
Personal Loan 9.50% $500 Minimum - $100,000 Maximum 36 $32.03
Personal Loan 10.50% $8,001 Minimum - $100,000 Maximum 48 $30.16
Personal Loan 11.25% $20,000 Minimum - $100,000 Maximum 60 $21.99
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: 7/18/2026

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 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.
Rate As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000
10.00% $500 Minimum - $100,000 Maximum 24 $46.14
10.00% $3,001 Minimum - $100,000 Maximum 36 $32.27
11.00% $8,001 Minimum - $100,000 Maximum 48 $25.85

Last Modified: 7/18/2026

Calculate Your Savings

 

*APR=Annual Percentage Rate. Max rate discount is 0.75%. Rates displayed reflect that 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. 
Rate (APR)* Loan Amount Term (months) Estimated Payment/$1,000
5.90% $5,000 Maximum 36 $30.38

Last Modified: 7/18/2026

Calculate Your Savings

 

*APR - Annual Percentage Rate. Rates subject to change. Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. Limit of one technology loan per member. All proceeds will be paid directly to the member.
Rate (APR) Loan Amount Term (months) Estimated Payment/$1,000
7.75% $2,500 12 $86.87

Last Modified: 7/18/2026

APR - Annual Percentage Rate. Rate offering of 7.75% requires automatic payment. On approved credit. Subject to Foothill's lending guidelines & procedures. Rates subject to change without notice. Must be a Foothill member and meet membership qualifications. 

A Living Trust must be established with Affinity Trust to get this loan.
Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000**
0%-2.90% $1,000 12 $0 - $15.78

Last Modified: 7/18/2026

*APR - Annual Percentage Rate. Rates subject to change without notice.

Members employed by one of our Educator, Healthcare, or City Municipality Core Groups will receive 0% if payment is made through auto payment from a Foothill checking account with direct deposit or payroll deduction of $500 or more.

Career Supply Loans do not qualify towards promotions.
Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000
3.25% $15,000 Maximum 60 $18.08

Last Modified: 7/18/2026

*APR - Annual Percentage Rate. Rates subject to change without notice.

Members employed by one of our Educator, Healthcare, or City Municipality Core Groups are eligible for this loan. Requires proof of enrollment in approved program. Limit of one career advancement loan per member. 
Loan Type Rates As Low As (APR)* Loan Amount
Platinum 12.25% $100,000 Maximum
Platinum Rewards 13.75% $100,000 Maximum
Starter Rewards** 0% for first 6 Months; 12.99% thereafter $2,500 Maximum
Credit Builder 18.00% To be determined by amount secured in shares

Last Modified: 7/18/2026

Calculate Your Savings

 

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

**Available for Ages 18-24. No credit needed. 

Rates subject to change without notice. No annual fee.
Rate (APR)* Term (months) Estimated Payment/$1,000
3.05% Up to 60 $17.99

Last Modified: 7/18/2026

*APR=Annual Percentage Rate. Rates subject to change without notice.

Share secured loans are available for up to 100% of the share balance at 3% over the current rate.
BNPL Option Rate Loan Amount Term (months) Estimated Payment/$1,000
Split Your Payment 14.99% $100 – $2,500 3 – 15 $341.70 - $73.52
Plan Your Purchase 17.99% $200 - $2,500 3 - 15 $343.38 - $74.94

Last Modified: 7/18/2026

Amount of your monthly payment varies based on the loan amount and term you choose. Options tiers as follows:

  • $100 - $200 | 3 or 6 month
  • $201 - $1,000 | 3,6, or 9 month
  • $1,000 - $2,500 | 9, 12, or 15 month


Split Your Payment - Only available for members who qualify. An eligible purchase for BNPL is a debit card purchase made in the past 60 days that is between $100 to $2,500 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits do affect BNPL eligibility. 

Plan Your Purchase - Loan amounts range from $200 to $2,500. Members may qualify for up to 1 active Purchase Your Plans (PYP) at a time, not exceeding an aggregate total of $2,500. Repayment terms vary. Once a repayment plan is selected, it cannot be changed. No early payoff penalty. 

BNPL Programs, rates, terms, and conditions are subject to change without notice. Not all purchases will qualify. Joint account holders are not eligible. All offers are subject to approval. Other terms and conditions may apply.

Home Equity Rates

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: 7/18/2026

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: 7/18/2026

APR=Annual Percentage Rate. Rates subject to change without notice.
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: 7/18/2026

*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. 

Mortgage Rates

Term Rate Points APR* Estimated Payment/$1,000
15 year 5.750% 0.500 5.966% $8.30
15 year 5.875% 0.000 6.015% $8.37
20 year 6.000% 0.500 6.173% $7.16
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: 7/18/2026

*APR=Annual Percentage Rate. Rates subject to change without notice.

Fixed rate mortgages conforming loans up to $832,750. Plus Closing Cost.
Term Rate Points APR* Estimated Payments/$1,000**
10 year 6.375% 0.000 6.375% $11.29
15 year 6.375% 0.000 6.375% $8.64
30 year 7.000% 0.000 7.000% $6.65

Last Modified: 7/18/2026

*APR=Annual Percentage Rate. Rates subject to change without notice.

Loans up to $832,750. Maximum loan to value of 80%.
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: 7/18/2026

*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 3.91% as of 07/10/2026 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.
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: 7/18/2026

*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.

Hear What Our Members Are Saying

"I have been a member for 20 years or so and I have nothing but positive things to say about you guys. We have used summer skip for a car loan, house loan, Summer Savings program and I am very happy with Foothill Credit Union."


- Thomas R.

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Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina, Glendora, and Upland.