First U.S. Community Credit Union

Simple Tips To Pay Off Your Home Sooner

We all want to be debt free – especially when it comes to our home loan, typically one of our highest monthly expenses. Here are two simple tricks that may help you pay off your home sooner.

FIXED-RATE HOME LOANS:

No Points • Loans to $548,250
Purchase or Refinance (ask us about rates for jumbo loans)

Act now, before rates go up. Call today for a free, no-hassle consultation with one of our Real Estate professionals. We can answer any questions you have, and help you make the right choice for your home financing needs.

Call (800) 556-6768 or visit firstus.org for more information.

Annual Percentage Rates (APRs), terms and offers effective 06/25/2021 and subject to change at any time. 80% CLTV, owner occupied loans in California only. Payment example: 180 monthly payments of approximately $6.61 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher. Cannot be used to refinance an existing First U.S. loan.

Earn Cash Back on Every Purchase

With a First U.S. Cash Rewards Visa®, you can earn unlimited cash back each month on your everyday purchases. It’s simple! Earn up to 3% cash back. And since it’s from First U.S., you know you’ll enjoy great features like:

No Annual Fees
No Balance Transfer Fees
No Penalty Rates
And, no Foreign Transaction Fees

Stop tracking points, worrying about using the right card at the right merchant, or worse – watching your points expire. Earn cash back on every purchase – every day – with a First U.S. Cash Rewards Visa.

Visit firstus.org to apply today, stop by your local branch, or call us at (800) 556-6768 for more information.

Annual Percentage Rates (APRs), terms and offers accurate as of 07/01/2021 and subject to change without notice. Income, credit and other criteria will determine actual APR. 25-day period to avoid paying interest on purchases applies if the total new balance is paid in full by the due date every billing period. If not paid in full, there is no grace period. New VISA accounts only. One card type per member. Cannot be used to refinance an existing First U.S. loan. Account must be open and in good standing to earn rewards.

Keeping Your Home Energy Efficient

Whether you’re prepping for the summer heat, or thinking about some colder weather this winter, you can get your home ready with a Residential Energy Efficiency Loan (REEL) from First U.S.

Our REEL program gives you access to certified energy efficient contractors that can install improvements like:

Cooling and heating systems
Energy efficient windows
Water heaters, heat pump water heaters, low-flow shower heads, etc.
Appliances and lighting
Cool roofs – and more

And, best of all, you can save on more than your energy bills with low, fixed rates, fast local approvals, no annual fees, no closing costs, and no prepayment penalties. There’s no lien on your home, no equity required, and even renters can take advantage of the savings by selfinstalling certain ENERGY STAR® appliances.

Visit firstus.org and check out the Energy Efficient Loans tab under “Personal Accounts/Loans” for more information and program eligibility requirements. Or call (916) 576-5648 today to speak with Jade Lim, our REEL program specialist about making your home more energy efficient.

Loan amounts from $2,500 to $50,000
Terms up to 15 years
Rates as low as 2.95% APR
Approval within 24 hours

First U.S. does not endorse or encourage the use of specific products or services offered by participating contractors. Annual Percentage Rate (APR) and program is effective 07/01/2020 and subject to change or cancellation at any time. Payment example: 36 monthly payments of approximately $29.07 for each $1,000 borrowed. REEL financing does not cover solar projects.

LOVE YOUR CAR –
Trade In Your Loan

With interest rates still very low, now may be a great time to consider refinancing your auto loan. Act now, and you may even be able to take some additional cash out to use for any purpose, like paying off much higher-rate debt.

APRs as low as 2.29%
Fixed rates for easy budgeting
Take cash-out to use for anything
Enjoy a payment break with no payments for 90 days

Love your car, but bring us your auto loan from another lender and save. Visit firstus.org for more information, stop by your local branch, or talk with a Member Service Representative today at (800) 556-6768. We can help you lower your payments, or get you access to some well-deserved cash!

This is a limited time offer, so call today.

Annual Percentage Rate (APR), terms and offers effective 07/01/2021 and subject to change without notice. APR shown assumes excellent credit, refinance of a 2020 or newer model vehicle, and a 1/2% discount for automatic payments. Ask us about rates for used or later model vehicles. Your APR may be higher and will be based on credit history, the amount financed and the loan term. Interest accrues from date of disbursal. Certain restrictions apply. This offer cannot be used to refinance an existing First U.S. loan. Payment example: 60 monthly payments of approximately $21.83 for each $1000 borrowed.

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