First U.S. Community Credit Union

Low Rate Home Financing
Two Great Ways to Buy or Refinance, And Save

With interest rates still near historic lows, your options for low-cost home financing are many and ready for you at First U.S.

For decades now, First U.S. has been your home loan partner, with the low rates you need, and the low fees you deserve. So whether you’re a first-time buyer or looking to move up, we have the variety of loan options to fit your needs.

Save with one of our lowest rates for a 30-year loan
With only two rate adjustments, after each 10-year period
And keep more in your pocket with some of the lowest closing costs around

Enjoy low rates, like with a 15-year loan
And the low payments of a 30- year term
With only one rate adjustment after the first 15 years

And, if you’re just wanting to lower your payments or payoff your home early with a refinance, we have the service and experience to help you reach your goals!

Call one of our Real Estate Specialists today for a no-obligation discussion about how we can help you finance your home ownership dreams. Heck, you can even call us if you just have general questions about home loans and want a trustworthy source of good information.

Talk to a Real Estate Specialist today at (800) 556-6768. You’ll find the loan you need, and the savings you’ve come to expect from your credit union – First U.S. APRs (Annual Percentage Rates), terms and offers effective 12/23/2020 and subject to change without notice. Owner-occupied, California properties only. Subject to availability. Certain restrictions apply. Taxes and insurance are not included in the payment example; your actual payment will be higher.

Offers cannot be used to refinance an existing First U.S. home loan. 10/10/10 ARM: APR is variable and based on 10-year CMT plus 1.5% margin. Max change per adjustment period 3%; max lifetime adjustment 6%; floor rate 1.00%. Payment example: 120 payments of $3.95 per $1,000 borrowed, followed by 240 payments of $3.92 per $1,000 borrowed (based on today’s fully-indexed value). 15/15 ARM: APR is variable and based on 10-year CMT plus 1%. Maximum adjustment 6%; floor rate 1.00%. Payment example: 180 payments of $4.02 per $1,000 borrowed, followed by 180 payments of $3.80 per $1,000 borrowed (based on today’s fully-indexed value).

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 can take advantage of two great ways to save even more!

With an APR discount of 0.35% (as low as 2.44% APR)
OR
Choose 1% cash back – up to $500

Love your car, but bring us your auto loan from another lender and save. You choose the discount or the cash back, and either way, we’ll throw in the added savings of No Payments for 90 Days, and you can even get cash out of the equity in your current vehicle to use any way you’d like. It’s a really low cost way to consolidate some debt, especially after the holidays.

Visit firstus.org for more information, 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 01/01/2021 and subject to change without notice. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Select APR discount OR cash bonus. Interest accrues from date of disbursal. Certain restrictions apply. Offers cannot be combined or used to refinance an existing First U.S. auto loan. Finance up to 125% High Kelley Blue Book; up to 100% HKBB with cash out. APR Discount: APR assumes 0.50% discount for automatic payments, and 0.35% refinance discount. Cash Bonus: one per vehicle based on 1% amount financed up to $500. Loan must remain open for at least six months, or cash bonus is paid back to the credit union in full, added to the loan payoff amount.

Finance Almost
Any Need
3 Ways to Save With a First U.S. HELOC

Get one of the lowest payments around for a secured home equity line of credit, and you can use the funds for anything from home improvement to education.

Our Real Estate specialists are available to help you, from exploring the options that are best for your needs, application through funding. Call us at (800) 556-6768 or visit firstus.org to get started today!

Annual Percentage Rate (APR), terms and offer accurate as of 01/01/2021 and subject to change without notice. APR is variable and based on Prime Rate as published in The Wall Street Journal (currently 3.25%). Minimum APR 3.99%. Maximum APR 15%. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Appraisal fee may be required. $200,000 maximum loan amount. Not available for purchases. Payment example: 6 monthly payments of approximately $5.50 for each $1,000 borrowed, followed by 236 monthly payments of approximately $6.06 for each $1,000 borrowed.

Two Great Cards

YOU MAKE THE CHOICE

First U.S. Card Solutions

No Annual Fees - No Balance Transfer Fees - No Penalty Rates

CASH BACK? -
VISA REWARDS

Earn unlimited cash back on every purchase – up to 3%.
Cash rewards are deposited to your account each month – with no expiration dates or confusing points to track.
Perfect for traveling – there are No Foreign Transaction Fees.

FIXED RATE? -
VISA PLATINUM

Enjoy a 0% APR for six months, then a fixed APR as low as 9.90%.
Peace of mind with no rate changes. With our fixed-rate card, the APR that applies after the introductory period will not increase.
Save by moving higher-rate credit cards to a lower, fixed-rate card.

When it comes to credit cards, First U.S. gives you all the choices you need

To apply online, visit firstus.org or call (800) 556-6768 today.

Annual Percentage Rates (APRs), terms and offers accurate as of 9/1/2020 and subject to change without notice. Income, credit and other criteria will determine actual APR. New VISA accounts only. One card type per member. Cannot be used to refinance an existing First U.S. loan. Platinum Visa: After intro rate period, your rate will not increase. Cash Rewards Visa: Rate is variable; see Card Agreement for more information. Account must be open and in good standing to earn rewards.

Join us for the 2021 Annual Meeting

We are pleased to invite all First U.S. member-owners to attend the 2021 annual meeting. This year, the meeting will be held virtually on:

Thursday, February 25, 2021 at 5:00 p.m.

Dennis B. Cook, Nancy Lee and Karen McDougal are expected to be re-elected to the Board of Directors for three-year terms by acclamation during the meeting.

For more information, contact Toni at (916) 576-5667. And to RSVP, have your member number and email address ready, and visit firstus.org/2021meeting.

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Quarterly Newsletter

Low Rate Home Financing Two Great Ways to Buy or Refinance, And Save

LOVE YOUR CAR – Trade In Your Loan

Finance Almost Any Need 3 Ways to Save With a First U.S. HELOC