ATTENTION: We will be closed Monday, July 4, 2016 in observance of Independence Day

Loading

Dividend Rate & Yield Schedule

June 1, 2016

Account Name Rate Type Min Opening Balance Min Balance Required Dividend Rate APY**
Membership Account   $5 $5 Non Dividend Earning  
Holiday Club Variable $5 $5
0.10%
0.10%
Vacation Club Variable $5 $5
0.10%
0.10%
Total Saver Variable $5 $5    
  5-249.99    
0.00%
0.00%
  250-2,999.99    
0.10%
0.10%
  3,000-4,999.99    
0.10%
0.10%
  5,000-9,999.99    
0.15%
0.15%
  10,000-49,999.99    
0.15%
0.15%
  50,000-99,999.99    
0.20%
0.20%
  100,000-over    
0.20%
0.20%
Freedom Savings
16-17 yrs of age
Savings $5 $5
0.10%
0.10%
Future Savers
5-15 yrs of age
Savings $5 $5
0.10%
0.10%
Share Draft Checking $25 No Minimum Balance Required Non Dividend Earning  
Freedom Checking
16-17 yrs of age
Checking $25 No Minimum Balance Required Non Dividend Earning  
IRA Accumulation Variable $100 $100
0.10%
0.10%
IRA Split Rate Variable $1,000 $1,000    
  1,000-2,999    
0.15%
0.15%
  3,000-4,999    
0.20%
0.20%
  5,000-over    
0.20%
0.20%

Dividends are computed on all "dividend paid" accounts with a minimum of $5.00. Dividends are computed on the daily balance method; the application of a daily periodic rate to the full amount of ending principal in the account each day. Dividends begin accruing as of the date of deposit. Dividends are paid and compounded monthly.

** Annual Percentage Yield

TERM SHARE & IRA TERM SHARE ACCOUNTS

June 29, 2016

Term Rate Type Min Opening Balance Min to Earn Dividend Dividend Rate APY*
3 Month Fixed $2,500
$5,000
$10,000
$2,500
$5,000
$10,000
0.15%

0.15%

0.20%
0.15%

0.15%

0.20%
6 Month Fixed $2,500
$5,000
$10,000
$2,500
$5,000
$10,000
0.20%

0.20%

0.25%
0.20%

0.20%

0.25%
6 Month Fixed $50,000
$100,000
$50,000
$100,000
0.30%

0.35%
0.30%

0.35%
1 Year Fixed $2,500
$5,000
$10,000
$2,500
$5,000
$10,000
0.35%

0.35%

0.40%
0.35%

0.35%

0.40%
1 Year Fixed $50,000
$100,000
$50,000
$100,000
0.45%

0.50%
0.45%

0.50%
2 Year Fixed $2,500
$5,000
$10,000
$2,500
$5,000
$10,000
0.55%

0.55%

0.60%
0.55%

0.55%

0.60%
2 Year Fixed $50,000
$100,000
$50,000
$100,000
0.65%

0.70%
0.65%

0.70%
1 Year IRA Fixed $2,500
$5,000
$2,500
$5,000
0.40%

0.40%
0.40%

0.40%
2 Year IRA Fixed $2,500
$5,000
$2,500
$5,000
0.65%

0.65%
0.65%

0.65%

* Annual Percentage Yield

For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share accounts were offered within the most recent seven calendar days and were accurate as of

June 29, 2016
.

A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.

Loan Rates

June 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 Credit  

Home Loans

Effective Date: June 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.