Home Equity Loans offer a fixed rate for easy budgeting

LOAN RATES

May 1, 2016
Personal Loans
Maximum Term APR
(Refers to Annual Percentage Rate) Cost/$1000 Borrowed
48 Months As Low As 10.00% *APR $25.49
New Autos, Trucks & Vans - 2013-2016 (Up to 130% of KBB/MSRP, including tax & license.)
Maximum Term APR Cost/$1000 Borrowed
48 Months As Low As 2.25% *APR $21.81
60 Months As Low As 2.25% *APR $17.64
72 Months* As Low As 2.25% *APR $14.87
84 Months** As Low As 2.99% *APR $13.22
*Minimum balance financed $15,000
**Minimum balance financed $20,000
Used Autos, Trucks & Vans - 2009-2012 (Up to 130% of KBB, including tax & license.)
Maximum Term APR Cost/$1000 Borrowed
48 Months As Low As 2.25% *APR $21.81
60 Months As Low As 2.25% *APR $17.64
72 Months* As Low As 2.25% *APR $14.87
*Minimum balance financed $15,000
For vehicles 2008 and older or over 100,000 miles please contact the loan department at (559) 226-8282, Option 2.
New Recreational Vehicles - 2013-2016 (Up to 80% of MSRP or NADA value, including tax & license.)
Maximum Term Min Loan APR Cost/$1000 Borrowed
60 Months $5,000 As Low As 5.25% *APR $18.88
72 Months $15,000 As Low As 5.25% *APR $16.11
84 Months $25,000 As Low As 5.75% *APR $14.38
120 Months $30,000 As Low As 6.25% *APR $11.11
144 Months $30,000 As Low As 6.50% *APR $9.90
Used Recreational Vehicles - 2006- 2012 (Up to 80% of NADA value, including tax & license.)
Maximum Term Min Loan APR Cost/$1000 Borrowed
60 Months $5,000 As Low As 6.25% *APR $19.34
72 Months $15,000 As Low As 6.50% *APR $16.70
84 Months $25,000 As Low As 7.25% *APR $15.10
120 Months $30,000 As Low As 7.50% *APR $11.75
144 Months $30,000 As Low As 7.75% *APR $10.56
New Boats - 2013-2016 (Up to 80% of MSRP or NADA value, including tax and license.)
Maximum Term Min Loan APR Cost/$1000 Borrowed
60 Months $5,000 As Low As 5.0% *APR $18.88
72 Months $15,000 As Low As 5.25% *APR $16.23
84 Months $25,000 As Low As 5.5% *APR $14.38
120 Months $30,000 As Low As 6.0% *APR $11.11
Used Boats - 2006-2012 (Up to 80% of NADA value, including tax and license.)
Maximum Term Min Loan APR Cost/$1000 Borrowed
60 Months $5,000 As Low As 5.5% *APR $19.11
72 Months $15,000 As Low As 5.5% *APR $16.34
84 Months $25,000 As Low As 5.75% *APR $14.50
120 Months $30,000 As Low As 6.25% *APR $11.23
New Motorcycles - 2013-2016, 1200 cc's and over (Up to 80% of MSRP or NADA value, including tax & license.)
Maximum Term APR Cost/$1000 Borrowed
72 Months As Low As 5.00% *APR $16.11
Used Motorcyles - 2006-2012, 1200 cc's and over (Up to 80% of NADA value, including tax & license.)
Maximum Term APR Cost/$1000 Borrowed
72 Months As Low As 5.75% *APR $16.58
Home Equity Loan
Term APR Cost/$1000 Borrowed
7 Years As Low As 3.49% (Fixed rate) *APR
15 Years As Low As 5.49% (Fixed rate) *APR
VISA Credit Card
Term APR Cost/$1000 Borrowed
Revolving 15.49% (Fixed rate) *APR
Quick Line of Credit / Overdraft Protection for Share Draft Checking Account
Term APR Cost/$1000 Borrowed
Revolving 14.00% *APR
'As low as' rates include

0.25% rate reduction for automatic payments with direct deposit, restrictions apply.

All loans are subject to credit approval. The Annual Percentage Rate on designated loan types will be determined by: the credit history of the applicant(s), the terms of the loan, and the dollar amount financed. All loan rates are subject to change without notice. Certain restrictions may apply.
Loans also available for:

Share Secured Loan Certificate Secured Loan
Share Secured Visa First Mortgage Loans
Home Equity Line of Credits.
HOME LOANS
Effective Date: May 1, 2016
Mortgage Loans:

Don't just dream it. Make it a reality with a mortgage loan from your credit union. Vast choices of mortgage loans are available for purchasing your first home or refinancing your current home. Apply On-Line from the comfort of your own home or speak with a mortgage specialist, call 1-888-469-0191.

Home Equity Loans:

Put your home's equity to work for you. Use the money for home improvements, remodeling, a special vacation, or debt consolidation. The choice is yours.

Home Equity Loans offer a fixed rate for easy budgeting.

Term APR* Loan to Value
7 Years 3.49% *APR 80%
15 Years 5.49% *APR 80%
* Annual Percentage Rate

Home Equity Line of Credit

A Home Equity Line of Credit at First California Federal Credit Union is currently 6% APR. Maximum lifetime APR is 12% APR.

All mortgage products are limited to owner-occupied residences in California and subject to all Credit Union policies and procedures. For details, call the credit union at (559) 226-8282, option 2 and speak with the loan department.

All loans subject to credit approval. The Annual Percentage Rate on designated loan types will be determined by: 1) the credit history of the applicant(s), 2) the terms of the loan, and 3) the dollar amount financed. All loan rates subject to change without notice. Certain restrictions may apply.

DIVIDEND RATE & YIELD SCHEDULE