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  • Home Equity Loan
    Heloc

    Home Equity Loan

    Introducing our exclusive Home Equity Loan promotion. Secure a fixed Annual Percentage Rate (APR) of 6.5% with a 7 year term. With the ability to borrow up to 80% of your home's equity, ranging from a minimum of $20,000 to a maximum of $200,000. Enjoy the added benefit of no origination fees, application fees, or annual fees, providing you with transparent and cost-effective borrowing solutions. To qualify for this offer, homeowners must demonstrate ownership of a property in California with equity, furnish proof of income to ensure timely payments, and meet specific criteria related to credit score and property value. Seize this opportunity to leverage the equity in your home and achieve your financial goals with confidence.

  • Home Equity Line Of Credit
    HELOC

    Home Equity Line Of Credit

    Introducing our Home Equity Line of Credit (HELOC) tailored to meet your financial needs. Enjoy the security of a fixed Annual Percentage Rate (APR) of 7.5% for the initial 12 months, ensuring predictable payments and peace of mind. With no origination fees, application fees, or prepayment penalties, you can confidently access funds without worrying about additional costs. Experience the convenience of low monthly payments, designed to fit your budget effortlessly. Our HELOC offers a line of credit ranging from $20,000 to $200,000, providing you with the financial freedom to pursue your goals, whether it's home renovations, debt consolidation, or unexpected expenses. Take advantage of this opportunity to unlock the equity in your home and achieve your dreams with ease.

  • Credit Card
    Credit Card

    Visa® Credit Card 

    Our Visa® Classic Credit Card is a great tool to have in your wallet! It’s accepted at thousands of locations worldwide and not to mention all of the great perks that come along with it.

    • Low-Interest Rate
    • No Annual Fee
    • No Balance Transfer Fee
    • No-Cost Travel Accident insurance
    • 1% cash back on all purchases!
  • Bylaws Update
    building

    FCFCU Bylaws Update 

    Section 1.  Number of members.  Number of members. The board consists of 7 directors, all of whom must be members. By resolution, the board may change the number of directors to an odd number not fewer than 5 or more than 15. The board may not reduce the number of directors unless there is a corresponding vacancy as a result of a death, resignation, expiration of a term of office, or other action provided by these bylaws. The board must file a copy of the resolution covering any increase or decrease in the number of directors with the official copy of the bylaws.

    Section 2.  Composition of board  1 (one) director may be a paid employee of the credit union. The board may appoint a management official who may be a member of the board and one or more assistant management officials who may be a member of the board. If the board permits the management official or assistant management official to serve on the board, he or she may not serve as the chair. 0 (zero) immediate family members, or those persons living in the same household, of a director may be a paid employee of the credit union. The total number of directors serving who fall into the categories below must not constitute a majority of the board:

    • Management official plus assistant management official plus other employees.
    • Immediate family members or persons in the same household as the management official, assistant management official, and other employees; or
    • Management official plus assistant management official plus other employees, plus immediate family members or persons in the same household as management officials, assistant management officials, and other employees. 1 (one) committee member may be a paid employee of the credit union. 0 (zero) immediate family members, or those persons living in the same household, of a committee member, may be a paid employee of the credit union. Except as herein amended, the provisions of the Bylaws shall remain in full force and effect.AS APPROVED BY THE BOARD OF DIRECTORS EFFECTIVE: June 27, 2024.

    Welcome to our newest FCFCU Board Member Randy Dodson !

  • Refer a Friend
    Refer A Friend

    Refer a Friend!

    Share why you love Banking the Credit Union Way with your friends! Now, for every friend you refer who opens a checking account with us, we will give you $25 and your friend $25.

    Learn More

  • Mobile Banking Promo
    Mobile Banking

    Take Us With You Anywhere

    With the First Cal FCU App, you have access to your credit union accounts 24/7. View balances, make transfers and so much more. Download the App today! 

    Learn More