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Dividend Rate & Yield Schedule

October 8, 2014

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

NCUA Maximum Share Insurance
NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTIONS ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the National Credit Union Administration (NCUA). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the NCUA up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For moreinformation about temporary NCUA insurance coverage of transaction accounts, visit http://www.ncua.gov.

TERM SHARE & IRA TERM SHARE ACCOUNTS

October 8, 2014

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
0.25%

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

October 8, 2014
.

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

Loan Rates

October 1, 2014
Personal Loans
Maximum Term APR
(Refers to Annual Percentage Rate)
Cost/$1000 Borrowed
48 Months  
As Low As 10.00%
48 Mthly pmts of $25.49

New Autos, Trucks & Vans - 2011-2014 (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
84 Months**
As Low As 2.75%
84 Mthly pmts of $13.11
*Minimum balance financed $15,000
**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 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 – 2010 model year or newer.
2007 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 - 2012-2014 (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 5.25%
60 Mthly pmts of $18.88
72 Months $15,000
As Low As 5.25%
72 Mthly pmts of $16.11
84 Months $25,000
As Low As 5.75%
84 Mthly pmts of $14.38
120 Months $30,000
As Low As 6.25%
120 Mthly pmts of $11.11
144 Months $30,000
As Low As 6.50%
144 Mthly pmts of $9.90

Used Recreational Vehicles - 2004 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 6.25%
60 Mthly pmts of $19.34
72 Months $15,000
As Low As 6.50%
72 Mthly pmts of $16.70
84 Months $25,000
As Low As 7.25%
84 Mthly pmts of $15.10
120 Months $30,000
As Low As 7.50%
120 Mthly pmts of $11.75
144 Months $30,000
As Low As 7.75%
144 Mthly pmts of $10.56

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 5.0%
60 Mthly pmts of $18.88
72 Months $15,000
As Low As 5.25%
72 Mthly pmts of $16.23
84 Months $25,000
As Low As 5.5%
84 Mthly pmts of $14.38
120 Months $30,000
As Low As 6.0%
120 Mthly pmts of $11.11

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 5.5%
60 Mthly pmts of $19.11
72 Months $15,000
As Low As 5.5%
72 Mthly pmts of $16.34
84 Months $25,000
As Low As 5.75%
84 Mthly pmts of $14.50
120 Months $30,000
As Low As 6.25%
120 Mthly pmts of $11.23

New Motorcyles 1200 cc's and over
Maximum Term APR Cost/$1000 Borrowed
72 Months  
As Low As 5.00%
72 Mthly pmts of $16.11

Used Motorcyles 1200 cc's and over
Maximum Term APR Cost/$1000 Borrowed
72 Months  
As Low As 5.75%
72 Mthly pmts of $16.58

Home Equity Loan
Term APR Cost/$1000 Borrowed
7 Years
As Low As 3.49% (Fixed rate)
15 Years
As Low As 5.49% (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%

'As low as' rates include

  • 0.25% rate reduction for automatic payments
  • 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: October 1, 2014

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%
80%
15 Years
5.49%
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.