Loan Rates

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

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
4.24% $5,000 Up to 36 $29.63
4.24% $5,000 48 $22.69
4.24% $10,000 60 $18.53
4.24% $15,000 72 $15.75
4.45% $30,000 84+ $13.88

Last Modified: 11/27/2022

Calculate Your Savings

 

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

*APR-Annual Percentage Rate. Floor Rate is 4.24%. Rate shown includes discounts (max of 0.50% discount per loan). Rate discounts that apply:

  • 0.25% discount for electric vehicles 
  • 0.50% discount for auto payment from an FCU checking account with direct deposit
  • 0.25% discount for auto payment from an FCU share account with direct deposit or payroll deduction.
  • 0.25% for school and hospital employees
  • 0.25% discount on an auto loan if you currently have a Platinum or Rewards credit card or apply, be approved and accept a credit card.
Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
4.24% $5,000 Up to 36 $29.63
4.24% $5,000 48 $22.69
4.24% $10,000 60 $18.53
4.45% $15,000 72 $15.85
4.70% $30,000 84+ $13.99

Last Modified: 11/27/2022

Calculate Your Savings

 

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

*APR-Annual Percentage Rate. Floor Rate is 4.24%. Rate shown includes discounts (max of 0.50% discount per loan). Rate discounts that apply:

  • 0.25% discount for electric vehicles 
  • 0.50% discount for auto payment from an FCU checking account with direct deposit
  • 0.25% discount for auto payment from an FCU share account with direct deposit or payroll deduction.
  • 0.25% for school and hospital employees
  • 0.25% discount on an auto loan if you currently have a Platinum or Rewards credit card or apply, be approved and accept a credit card.
Rates As Low As (APR)* Maximum Loan Amount Term (months) Estimated Payment/$1,000
5.50% Up to $30,000 Up to 60 $19.10

Last Modified: 11/27/2022

Calculate Your Savings

 

*APR-Annual Percentage Rate

100% of Retail on Purchases. $30,000 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.
Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000**
5.80% N/A Up to 36 $30.33
6.55% N/A 48 $23.74
7.30% $10,000 60 $19.94
8.05% $15,000 72** $17.56
8.80% $30,000 84+** $15.99

Last Modified: 11/27/2022

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*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.

*Rate discounts may apply:

  • 0.50% discount for auto payment from an FCU checking account with direct deposit
  • 0.25% discount for auto payment from an FCU share account with direct deposit or payroll deduction.
  • 0.25% for school and hospital employees

** Watercrafts only

Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
6.00% $10,000 Up to 60 $19.33
6.15% $30,000 72 - 84 $14.68
6.30% $30,000 85 - 96 $13.29
6.45% $30,000 108 - 120 $11.33
6.65% $30,000 121 - 144 $10.10
6.85% $30,000 145 - 180 $8.90

Last Modified: 11/27/2022

Calculate Your Savings

 

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

Rate Discounts May Apply:

  • 0.25% discount for auto payment from an FCU share account with direct deposit or payroll deduction.
  • 0.25% for school and hospital employees
Rates As Low As (APR)* Minimum Loan Amount Term (months) Estimated Payment/$1,000
6.50% $10,000 Up to 60 $19.57
6.65% $30,000 72 - 84 $14.92
6.80% $30,000 85 - 96 $13.53
6.95% $30,000 108 - 120 $11.59
7.15% $30,000 121 - 144 $10.36
7.35% $30,000 145- 180 $9.19

Last Modified: 11/27/2022

Calculate Your Savings

 

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

Rate Discounts May Apply:

  • 0.25% discount for auto payment from an FCU share account with direct deposit or payroll deduction.
  • 0.25% for school and hospital employees
Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1000
5.75%* $50,000 Maximum Up to 180 Months $8.30

Last Modified: 11/27/2022

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*APR-Annual Percentage Rate. Loan To Value up to 85%.

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 9.00% $3,001 Minimum - $100,000 Maximum 36 $31.80
Personal Loan 10.50% $8,001 Minimum - $100,000 Maximum 48 $25.60
Personal Loan 10.50% $8,001 Minimum - $100,000 Maximum 60 $21.49
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: 11/27/2022

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*APR=Annual Percentage Rate

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.
 
Rate As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000
8.50% $500 Minimum - $3,000 Maximum 24 $45.45
8.50% $3,001 Minimum - $8,000 Maximum 36 $31.56
10.50% $8,001 Minimum - $25,000 Maximum 48 $25.60

Last Modified: 11/27/2022

Calculate Your Savings

 

*APR=Annual Percentage Rate

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
  • 0.50% discount for auto transfer from an Foothill checking account with direct deposit.
Rate (APR)* Loan Amount Term (months) Estimated Payment/$1,000
5.90% $5,000 Maximum 36 $30.38

Last Modified: 11/27/2022

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: 11/27/2022

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. 

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: 11/27/2022

*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 a Foothill checking account with direct deposit or payroll deduction of $500 or more.

Rates As Low As (APR)* Loan Amount Term (months) Estimated Payment/$1,000
3.25% $15,000 Maximum 60 $18.08

Last Modified: 11/27/2022

*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 Rates As Low As (APR)* Loan Amount
Platinum 11.75% $100,000 Maximum
Platinum Rewards 13.25% $100,000 Maximum
Credit Builder 17.90% To be determined by amount secured in shares

Last Modified: 11/27/2022

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

No annual fee.

Rate (APR)* Term (months) Estimated Payment/$1,000
2.05% Up to 60 $17.55%

Last Modified: 11/27/2022

*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
80% financing 6.75% - 8.25% $350,000 $13.57 - $14.35

Last Modified: 11/27/2022

APR=Annual Percentage Rate

Term APR Loan Amount Estimated Payment/$1,000
Terms 121 Months to 180 Months
80% financing 7.25% - 9.50% $350,000 $10.52 - $11.83

Last Modified: 11/27/2022

APR=Annual Percentage Rate

Term Maximum Loan Amount Margin Current APR* APR after Intro Rate
180 Months $500,000.00 0.000% 2.99% - 3 Month Intro 5.50%

Last Modified: 11/27/2022

*APR = Annual Percentage Rate.

The variable APR is based on the WSJ Prime Rate. Sample current APR 5.50% as of 7/28/22. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%

Mortgage Rates

Term Rate Points APR* Estimated Payment/$1,000
15 year 6.125% 0.500 6.320% $8.51
15 year 6.250% 0.000 6.368% $8.57
20 year 6.000% 0.500 6.380% $7.16
20 year 6.125% 0.000 6.218% $7.24
30 year 6.375% 0.500 6.494% $6.24
30 year 6.500% 0.000 6.572% $6.32

Last Modified: 11/27/2022

*APR=Annual Percentage Rate

Fixed rate mortgages conforming loans up to $647,200. Plus Closing Cost.

Term Rate Points APR* Estimated Payments/$1,000**
10 year 6.500% 0.000 6.500% $11.35
15 year 6.500% 0.000 6.500% $8.71
30 year 6.750% 0.000 6.750% $6.49

Last Modified: 11/27/2022

*APR=Annual Percentage Rate

Loans up to $647,200. Maximum loan to value of 80.

Term Rate Margin Points Caps APR* Estimated Payment/$1,000
5/1 6.625% 2.500% 3.500 1/1/4 6.995% $6.40
7/1 6.625% 2.500% 3.750 1/1/4 6.996% $6.40

Last Modified: 11/27/2022

*APR=Annual Percentage Rate
 
  • The index for Adjustable Rate Mortgages is the One-Year Constant Maturity Treasury Rate.
  • The current Index Value is 4.43% as of 11/14/2022 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 6.125% 0.500 6.275% $8.51
15 year 6.250% 0.000 6.323% $8.57
30 year 6.250% 0.500 6.341% $6.16
30 year 6.375% 0.000 6.419% $6.24

Last Modified: 11/27/2022

*APR=Annual Percentage Rate

Conforming high balance fixed rate products up to $970,800. Plus Closing Cost.
Limits based on geographic location.

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"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.