Dividend Rate & Yield Schedule

May 1, 2013

Account Name	Rate Type	Min Opening Balance	Min to Earn Dividend	Dividend Rate	APY**
Membership Account		$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
	5-2,999			0.10%	0.10%
	3,000-4,999			0.10%	0.10%
	5,000-9,999			0.15%	0.15%
	10,000-49,999			0.15%	0.15%
	50,000-99,999			0.20%	0.20%
	100,000-over			0.20%	0.20%
Freedom Saver	Savings	$5	$5	0.10%	0.10%
Future Savers	Savings	$5	$5	0.10%	0.10%
Share Draft	Checking	$25	No Minimum Balance Required	Non Dividend Earning
Freedom Checking	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

NCUA Maximum Share Insurance

NOTICE OF CHAGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTIONS ACCOUNTS

On December 31, 2012 the unlimited insurance on "non-interest-bearing transaction accounts" will end. Insurance coverage on "non-interest-bearing transaction accounts" will return to the permanent level of up to $250,000 beginning January 1, 2013. In other words, non-interest bearing transaction accounts will be subject to the same insurance coverage levels as all other share accounts in a credit union.

NCUA has a Share Insurance Tool Kit available which may be used for estimating the insurance coverage on your account at http://www.ncua.gov/DataApps/Pages/SI-Tools.aspx .

TERM SHARE & IRA TERM SHARE ACCOUNTS

May 22, 2013

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	0.20% 0.20% 0.25%	0.20% 0.20% 0.25%
6 Month	Fixed	$2,500 $5,000 $10,000	$2,500 $5,000 $10,000	0.25% 0.25% 0.30%	0.25% 0.25% 0.30%
6 Month	Fixed	$50,000 $100,000	$50,000 $100,000	0.35% 0.40%	0.35% 0.40%
1 Year	Fixed	$2,500 $5,000 $10,000	$2,500 $5,000 $10,000	0.40% 0.40% 0.45%	0.40% 0.40% 0.45%
1 Year	Fixed	$50,000 $100,000	$50,000 $100,000	0.50% 0.55%	0.50% 0.55%
2 Year	Fixed	$2,500 $5,000 $10,000	$2,500 $5,000 $10,000	0.60% 0.60% 0.65%	0.60% 0.60% 0.65%
2 Year	Fixed	$50,000 $100,000	$50,000 $100,000	0.70% 0.75%	0.70% 0.75%
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

May 22, 2013

.

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

Loan Rates

May 1, 2013

Personal Loans
Maximum Term	APR*	Cost/$1000 Borrowed
48 Months	As Low As 8.5%	48 Mthly pmts of $24.65

New Autos, Trucks & Vans - 2010-2013 (Up to 120% of MSRP, including tax & license.)
Maximum Term	APR*	Cost/$1000 Borrowed
48 Months	As Low As 1.99%	48 Mthly pmts of $21.70
60 Months	As Low As 1.99%	60 Mthly pmts of $17.53
72 Months*	As Low As 1.99%	72 Mthly pmts of $14.75
*Minimum balance financed $15,000
84 Months**	As Low As 2.40%	84 Mthly pmts of $12.95
**Minimum balance financed $25,000 - current and prior year vehicle

Used Autos, Trucks & Vans (Up to 120% of high blue book, including tax & license.)
Maximum Term	APR*	Cost/$1000 Borrowed
48 Months	As Low As 2.00%	48 Mthly pmts of $21.66
60 Months	As Low As 2.00%	60 Mthly pmts of $17.50
72 Months*	As Low As 2.00%	72 Mthly pmts of $14.73
*Minimum balance financed $15,000 – 2009 model year or newer. 2006 or older, or over 100,000 mi., 90% of high Kelly Blue Book, add 3% to rate and max term of 36 months.

New Recreational Vehicles - 2011-2013 (Up to 100% of purchase price or MSRP, whichever is less, including tax & license.)
Maximum Term	Min Loan	APR*	Cost/$1000 Borrowed
60 Months	$5,000	As Low As 5.40%	60 Mthly pmts of $19.06
72 Months	$15,000	As Low As 5.50%	72 Mthly pmts of $16.34
84 Months	$25,000	As Low As 6.00%	84 Mthly pmts of $14.61
120 Months	$30,000	As Low As 6.40%	120 Mthly pmts of $11.30
144 Months	$30,000	As Low As 6.75%	144 Mthly pmts of $10.15

Used Recreational Vehicles - 2003 or newer (Up to 100% of high blue book or purchase price which ever is less, including tax & license.)
Maximum Term	Min Loan	APR*	Cost/$1000 Borrowed
60 Months	$5,000	As Low As 6.50%	60 Mthly pmts of $19.57
72 Months	$15,000	As Low As 6.75%	72 Mthly pmts of $16.94
84 Months	$25,000	As Low As 7.75%	84 Mthly pmts of $15.46
120 Months	$30,000	As Low As 7.90%	120 Mthly pmts of $12.08
144 Months	$30,000	As Low As 8.00%	144 Mthly pmts of $10.83

New Boats (Unregistered, up to 80% total purchase price or MSRP whichever is less, including tax and license.)
Maximum Term	Min Loan	APR*	Cost/$1000 Borrowed
60 Months	$5,000	As Low As 5.50%	60 Mthly pmts of $19.10
72 Months	$15,000	As Low As 5.75%	72 Mthly pmts of $16.46
84 Months	$25,000	As Low As 6.00%	84 Mthly pmts of $14.61
120 Months	$30,000	As Low As 6.50%	120 Mthly pmts of $11.35

Used Boats (Previously registered, up to 80% total purchase price or appraised value, whichever is less, including tax & license.)
Maximum Term	Min Loan	APR*	Cost/$1000 Borrowed
60 Months	$5,000	As Low As 6.00%	60 Mthly pmts of $19.33
72 Months	$15,000	As Low As 6.00%	72 Mthly pmts of $16.57
84 Months	$25,000	As Low As 6.25%	84 Mthly pmts of $14.73
120 Months	$30,000	As Low As 6.75%	120 Mthly pmts of $11.48

New Motorcyles 1200 cc's and over
Maximum Term	APR*	Cost/$1000 Borrowed
72 Months	As Low As 5.70%	72 Mthly pmts of $16.43

Used Motorcyles 1200 cc's and over
Maximum Term	APR*	Cost/$1000 Borrowed
72 Months	As Low As 6.25%	72 Mthly pmts of $16.69

Home Equity Loan
Term	APR*	Cost/$1000 Borrowed
7 Years	As Low As 4.75% (Fixed rate)
15 Years	As Low As 7.40% (Fixed rate)

VISA Credit Card
Term	APR*	Cost/$1000 Borrowed
Revolving	15.49% (Fixed rate)

Quick Line of Credit / Overdraft Protection for Share Draft Checking Account
Term	APR*	Cost/$1000 Borrowed
Revolving	14.00%

* Annual Percentage Rate
** 'As low as' rates include a 0.25% rate reduction for automatic payments and 0.25% for 80% loan to value on new or used vehicles and RV's.

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.

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: April 1, 2013

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	4.75%	80%
15 Years	7.40%	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.