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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

APR Minimum Loan Amount Term (months) Estimated Payments/$1,000
2.90%* - 16.25% N/A Up to 36 $28.92 - $34.81
2.90%* - 16.25% N/A 48 $22.03 - $28.08
3.10%*-17.00% $10,000 60 $17.97 - $24.52
3.35%* - 17.00% $15,000 72 $15.31 - $21.94
3.35%* - 17.00% $30.000 84+ $13.34 - $20.20

Last Modified: 9/15/2021

APR= Annual Percentage Rate

100% of Retail on Purchases

*Rate discounts may apply:

  • 0.25% discount for our electric and hybrid vehicles
  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
  • 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.
  • 0.25% discount for using the auto draft check
APR Minimum Loan Amount Term (months) Estimated Payment/$1,000**
3.15%*-16.50% N/A Up to 36 $29.07-$34.93
3.15%*-16.50% N/A 48 $22.14-$28.21
3.35%*-17.25% $10,000 60 $18.07-$24.63
3.60%*-17.25% $15,000 72 $15.42-$22.07
3.60%*-17.25% $30,000 84+ $13.45-$20.34

Last Modified: 9/15/2021

APR=Annual Percentage Rate

100% of Retail on Purchases

*Rate discounts may apply:

  • 0.25% discount for our electric and hybrid vehicles
  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
  • 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.
  • 0.25% discount for using the auto draft check
APR Maximum Loan Amount Term (months) Estimated Payment/$1,000**
5.50%-5.85% Up to $20,000 Up to 60 $30.19-$30.35

Last Modified: 9/15/2021

APR=Annual Percentage Rate

100% of Retail on Purchases. $20,000 max loan amount.

*Rate discounts may apply:

  • 0.25% discount for our electric and hybrid vehicles
  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
  • 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.
APR Minimum Loan Amount Term (months) Estimated Payment/$1,000**
5.35%*-17.95% N/A Up to 36 $30.13-$36.13
6.10%*-17.95% N/A 48 $23.53-$29.35
6.85%*-17.95% $10,000 60 $19.73-$25.37
7.60%*-17.95% $15,000 72** $17.34-$22.78
8.35%*-17.95% $30,000 84+** $15.76-$20.99

Last Modified: 9/15/2021

APR=Annual Percentage Rate

90% of Retail on Purchases

*Rate discounts may apply:

  • 0.50% discount for auto transfer from an Foothill checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees

** Watercrafts only
APR Minimum Loan Amount Term (months) Estimated Payment/$1,000**
4.85%*-17.85% N/A Up to 36 $29.90-$36.08
5.35%*-17.85% N/A 48 $23.19-$29.30
5.85%*-17.85% $10,000 60 $19.26-$25.31
6.35%*-17.85% $15,000 72 $16.74-$22.72
6.85%*-17.85% $30,000 84+ $15.02-$20.93

Last Modified: 9/15/2021

APR=Annual Percentage Rate

85% of Retail on Purchases

Rate discounts may apply:

  • 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees.
Loan Type APR Loan Amount Term (months) LTV (Loan to Value)
Energy Saver Loan 3.75%*-5.75% $50,000 Maximum Up to 180 Months Up to 100%

Last Modified: 9/15/2021

APR=Annual Percentage Rate

*Rate discounts may apply:

  • 0.50% discount for auto payment from a FCU checking account with direct deposit
  • 0.25% discount for auto payment from a FCU share account with direct deposit or payroll deduction

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 APR Loan Amount Term (months) Estimated Payment/$1,000
Personal Loan 8.50%*-16.25% $500 Minimum - $25,000 Maximum 36 $31.56- $35.28
Personal Loan 10.50%*-18.00% $500 Minimum - $25,000 Maximum 48 $25.60-$29.37
Personal Line of Credit 10.50%*-18.00% $25,000 Maximum N/A N/A
Fresh Start Loan** 2.00% $1,000 Minimum with a $5,000 Maximum 36 $28.64

Last Modified: 9/15/2021

APR=Annual Percentage Rate

*Rate reflects a 0.50% discount for auto transfer from an Foothill checking account with direct deposit.


Other available discounts include:

  • 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees
**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.
 
Loan Type APR Loan Amount Term (months) Estimated Payment/$1,000
Budget Balancer Loan 8.50%*-16.25% $500 Minimum - $25,000 Maximum 36 $31.56- $35.28
Budget Balancer Loan 10.50%*-18.00% $500 Minimum - $25,000 Maximum 48 $25.60-$29.37

Last Modified: 9/15/2021

APR=Annual Percentage Rate

*Rate reflects a 0.50% discount for auto transfer from an Foothill checking account with direct deposit.


Other available discounts include:

  • 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction.
  • 0.25% discount for our school and hospital employees
Loan Type APR Loan Amount Term (months) Estimated Payment/$1,000
Technology Loan 5.90% - 10.90% $5,000 Maximum 36 $30.38-$32.69

Last Modified: 9/15/2021

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.
Type of Loan APR* Loan Amount Term (in months)
Legacy Loan 7.75% $2,500 12

Last Modified: 9/15/2021

* APR - Annual Percentage Rate

** Rate offering of 7.75% requires automatic payment. On approved credit. Subject to Foothill's lending guidelines & procedures. Must be a Foothill member and meet membership qualifications. 

*** Living Trust must be established with Affinity Trust.
Loan Type APR Loan Amount Term (months) Estimated Payment/$1,000**
Career Supply Loan 0%-2.90% 1,000 12 $0 - $15.78

Last Modified: 9/15/2021

APR=Annual Percentage Rate

Available to School and Hospital Employees

Core SEG school and hospital employee will receive 0% if payment is made through auto payment from an Foothill checking account with direct deposit or payroll deduction of $500 or more.
Loan Type APR Loan Amount Term (months) Estimated Payment/$1,000
Career Advancement Loan 3.25% - 8.25% $15,000 Maximum 60 $18.08-$20.40

Last Modified: 9/15/2021

APR - Annual Percentage Rate. Rates subject to change. Members must work for a school or hospital. Requires proof of enrollment in approved program. Limit of one career advancement loan per member. 
Loan Type APR Loan Amount Term (months)
Platinum 8.75%-15.25% $25,000 Maximum N/A
Platinum Rewards 10.25%-16.75% $25,000 Maximum N/A
Credit Builder 17.90% To be determined by amount secured in shares N/A

Last Modified: 9/15/2021

APR=Annual Percentage Rate

A rate is based on a variety of factors, including the applicants credit rating.
Loan Type Term Current APR
Share Secured Up to 60 Months 2.05%

Last Modified: 9/15/2021

APR=Annual Percentage Rate

Share secured loans are available for up to 100% of the share balance at 2% over the current rate.

Home Equity Rates

Term APR Loan Amount Estimated Payment/$1,000
Terms up to 120 Months
70% financing 4.70% - 6.20% $500,000 $10.21 - $10.27
80% financing 5.20% - 6.70% $500,000 $10.70 - $11.45

Last Modified: 9/15/2021

APR=Annual Percentage Rate
Term APR Loan Amount Estimated Payment/$1,000
Terms 121 Months to 180 Months
70% financing 5.20% - 7.45% $500,000 $8.01 - $9.24
80% financing 5.70% - 7.95% $500,000 $8.27 - $9.53

Last Modified: 9/15/2021

APR=Annual Percentage Rate
Term Maximum Loan Amount Margin Current APR
180 Months $500,000.00 0.000% 18 Month Intro Rate - 1.99%*

Last Modified: 9/15/2021

APR=Annual Percentage Rate

*Floor Rate = 3.00%

Mortgage Rates

Term Rate Points APR* Estimated Payment/$1,000
15 year 2.125% 0.500 2.271% $5.18
15 year 2.25% 0.000 2.327% $5.24
20 year 2.625% 0.500 2.739% $5.36
20 year 2.750% 0.000 2.810% $5.42
30 year 2.75% 0.500 2.830% $4.15
30 year 2.875% 0.000 2.917% $4.22

Last Modified: 9/15/2021

*APR=Annual Percentage Rate

Fixed rate mortgages conforming loans up to $548,250. Plus Closing Cost.
Term Rate Points APR* Estimated Payments/$1,000**
10 year 2.500% 0.000 2.500% $9.61
15 year 2.625% 0.000 2.625% $6.73
30 year 3.25% 0.000 3.25% $4.35

Last Modified: 9/15/2021

*APR=Annual Percentage Rate

Loans up to $548,250. Maximum loan to value of 80.
Term Rate Margin Points Caps APR* Estimated Payment/$1,000
5/1 2.125% 2.500% 0.000 1/1/4 2.310% $3.76
7/1 2.250% 2.500% 0.000 1/1/4 2.436% $3.82
10/1 2.375% 2.500% 0.000 1/1/4 2.563% $3.89

Last Modified: 9/15/2021

*APR=Annual Percentage Rate
 
  • The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate.
  • The current Index Value is 0.07% as of 07/06/2021 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 2.25% 0.500 2.371% $6.55
15 year 2.375% 0.000 2.426% $6.61
30 year 2.75% 0.500 2.817% $4.14
30 year 2.875% 0.000 2.903% $4.21

Last Modified: 9/15/2021

*APR=Annual Percentage Rate

Conforming high balance fixed rate products up to $822,375. Plus Closing Cost.
Limits based on geographic location.
Term Rate Points APR* Estimated Payment/$1,000
30 year 3.250% 0.000 3.274% $4.28

Last Modified: 9/15/2021

*APR=Annual Percentage Rate

Jumbo Fixed Rate Special Up to $1,000,000 (FICO score 750 or greater)

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 and Glendora.