Our Rates
Rates up to date as of January 11, 2023. Rates subject to change without notice.
Regular Shares and Escrow Accounts
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.100% | 0.100% |
| $1,000 - $49,999 | 0.100% | 0.100% |
| $50,000 and Greater | 0.100% | 0.100% |
- APY = annual percentage yield.
GoldStar® Shares
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.125% | 0.125% |
| $1,000 - $49,999 | 0.125% | 0.125% |
| $50,000 and Greater | 0.125% | 0.125% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
Youth Accounts (Kirby Kangaroo and Claim Your Youth)
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.150% | 0.150% |
| $1,000 - $49,999 | 0.150% | 0.150% |
| $50,000 and Greater | 0.150% | 0.150% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
- Each member is only allowed one primary share account. Minimum required account balance may be different than the minimum rate balance listed above.
Business Share Account
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.125% | 0.125% |
| $1,000 - $49,999 | 0.125% | 0.125% |
| $50,000 and Greater | 0.125% | 0.125% |
- APY = annual percentage yield.
IRA Shares
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $1 and Greater | 0.499% | 0.500% |
- APY = annual percentage yield.
Club Account
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $25 | 0.100% | 0.100% |
- APY = annual percentage yield.
Non-Interest Bearing
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $25 | 0.000% | 0.000% |
- APY = annual percentage yield.
Share Draft Accounts
| Account Type | Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|---|
| Regular Share Draft | $500 | 0.050% | 0.050% |
| FreshStart Share Draft 2 | $500 | 0.000% | 0.000% |
| ATM Share Draft | $500 | 0.000% | 0.000% |
| Business Basic Share Draft | $500 | 0.050% | 0.050% |
| Business Premier Share Draft | $500 | 0.200% | 0.200% |
| GoldStar® Share Draft 2 | $500 | 0.100% | 0.100% |
| Empowered Checking | $500 | 0.000% | 0.000% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
Money Market
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $0 - $999 | 0.000% | 0.000% |
| $1,000 - $4,999 | 1.884% | 1.900% |
| $5,000 - $9,999 | 1.982% | 2.000% |
| $10,000 - $24,999 | 2.080% | 2.100% |
| $25,000 - $49,999 | 2.276% | 2.300% |
| $50,000 - $99,999 | 2.374% | 2.400% |
| $100,000 and Greater | 2.472% | 2.500% |
- APY = annual percentage yield.
Regular, Youth, and IRA Certificates
| Term | Minimum Balance | Dedicated Saver1 Minimum Balance | Dividend Rate | APY2 |
|---|---|---|---|---|
| 6 Month | $500.00 | $5.00 | 3.445% | 3.500% |
| 10 Months (Limited Time Special) | $500.00 | $5.00 | 4.218% | 4.300% |
| 12 Month | $500.00 | $5.00 | 3.977% | 4.050% |
| 18 Month | $500.00 | $5.00 | 4.169% | 4.250% |
| 24 Month | $500.00 | $5.00 | 4.458% | 4.550% |
| 36 Month | $500.00 | $5.00 | 4.025% | 4.100% |
| 48 Month | $500.00 | $5.00 | 4.025% | 4.100% |
| 60 Month | $500.00 | $5.00 | 4.025% | 4.100% |
- Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
- APY = annual percentage yield.
Regular, Youth, and IRA Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY1 |
|---|---|---|---|
| 6 Month Jumbo | $100,000.00 | 3.542% | 3.600% |
| 10 Month Jumbo (Limited Time Special) | $100,000.00 | 4.314% | 4.400% |
| 12 Month Jumbo | $100,000.00 | 4.073% | 4.150% |
| 18 Month Jumbo | $100,000.00 | 4.266% | 4.350% |
| 24 Month Jumbo | $100,000.00 | 4.554% | 4.650% |
| 36 Month Jumbo | $100,000.00 | 4.121% | 4.200% |
| 48 Month Jumbo | $100,000.00 | 4.121% | 4.200% |
| 60 Month Jumbo | $100,000.00 | 4.121% | 4.200% |
- APY = annual percentage yield.
GoldStar® Certificates and GoldStar® IRA Certificates
| Term | Minimum Balance | Dedicated Saver1 Minimum Balance | Dividend Rate | APY2 |
|---|---|---|---|---|
| 6 Month GoldStar® 3 | $500.00 | $5.00 | 3.542% | 3.600% |
| 10 Month GoldStar® (Limited Time Special) 3 | $500.00 | $5.00 | 4.314% | 4.400% |
| 12 Month GoldStar® 3 | $500.00 | $5.00 | 4.073% | 4.150% |
| 18 Month GoldStar® 3 | $500.00 | $5.00 | 4.266% | 4.350% |
| 24 Month GoldStar® 3 | $500.00 | $5.00 | 4.554% | 4.650% |
| 36 Month GoldStar® 3 | $500.00 | $5.00 | 4.121% | 4.200% |
| 48 Month GoldStar® 3 | $500.00 | $5.00 | 4.121% | 4.200% |
| 60 Month GoldStar® 3 | $500.00 | $5.00 | 4.121% | 4.200% |
- Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
- APY = annual percentage yield.
- Requires membership in the GoldStar® Member Rewards Program.
GoldStar® Jumbo Certificates and GoldStar® IRA Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY1 |
|---|---|---|---|
| 6 Month Jumbo GoldStar® 2 | $100,000.00 | 3.639% | 3.700% |
| 10 Month Jumbo GoldStar® (Limited Time Special) 2 | $100,000.00 | 4.410% | 4.500% |
| 12 Month Jumbo GoldStar® 2 | $100,000.00 | 4.169% | 4.250% |
| 18 Month Jumbo GoldStar® 2 | $100,000.00 | 4.362% | 4.450% |
| 24 Month Jumbo GoldStar® 2 | $100,000.00 | 4.650% | 4.750% |
| 36 Month Jumbo GoldStar® 2 | $100,000.00 | 4.218% | 4.300% |
| 48 Month Jumbo GoldStar® 2 | $100,000.00 | 4.218% | 4.300% |
| 60 Month Jumbo GoldStar® 2 | $100,000.00 | 4.218% | 4.300% |
- APY = annual percentage yield.
- Requires membership in the GoldStar® Member Rewards Program.
Auto Loan
| Account Type | Term | APR 13 |
|---|---|---|
| New Vehicle | Up to 84 Months | 5.74% 60 months2 |
| Used Vehicle | Up to 84 Months | 5.74% 60 months2 |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
- Rates may be adjusted for year of vehicle.
Credit Cards
| Account Type | APR 12 |
|---|---|
| VISA Platinum | 9.90% |
| Cash Back VISA | 12.90% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Minimum limit is $500.00 unless part of a promotional program.
Boats & RV Loan
| Balance | Term | APR 123 |
|---|---|---|
| Under $25,000 | Up to 84 Months | 6.74% |
| $25,000 and Greater | Up to 144 Months | 7.74% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Rates may be adjusted for year of vehicle.
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Motorcycle, 4-wheeler, Jet-Ski
| Balance | Term | APR 123 |
|---|---|---|
| Under $25,000 | Up to 84 Months | 6.74% |
| $25,000 and Greater | Up to 144 Months | 7.74% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Rates may be adjusted for year of vehicle.
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Share Secured Loan
| Term | APR |
|---|---|
| 12 Months | 3.00% 1 above savings rate |
| 24 Months | 3.25% 1 above savings rate |
| 36 Months | 3.50% 1 above savings rate |
| 48 Months | 3.75% 1 above savings rate |
| 60 - 120 Months | 4.00% 1 above savings rate |
| Visa Credit Card Share Secured | 9.90% |
- Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.
Overdraft Line of Credit
| Account Type | APR 1 |
|---|---|
| Overdraft Line of Credit | 18.00% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Personal Loan
| Account Type | Term | APR 1 |
|---|---|---|
| Personal Loan | Up to 60 Months | 9.74%2 |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Mortgages-Conforming
| Account Type | Rate | APR 1 |
|---|---|---|
| 30 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 20 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 15 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
Mortgages-Mini ($250,000 or less)
| Account Type | Rate | APR 1 |
|---|---|---|
| 5 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 7 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 10 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
Home Equity (Fixed 2nd)
| Account Type | Term | APR 1 |
|---|---|---|
| Home Equity Line of Credit | Call 801-838-8810 for mortgage info | Call 801-838-8810 for mortgage info |
| Home Equity | 5 Year | Call 801-838-8810 for mortgage info |
| Home Equity | 10 Year | Call 801-838-8810 for mortgage info |
- Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Lot Loan
| Account Type | APR 1 |
|---|---|
| Improved Lot Loan | 7.00% 2 |
| Unimproved Lot Loan | 8.50% 2 |
- Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- 40% down, term based off credit rating.
Construction Loan
| Account Type | APR 1 |
|---|---|
| Construction Loan | 6.25% 2 |
- Rates and financing are based on applicant's credit worthiness and the term of the loan.
- Loan to Cost = 90%, Loan to Value = 80% Fixed Rate, Term of 1 Year
Find a Branch / ATM
We’re here to serve you. Find a First Californian branch near you.
Find a Branch / ATM© 2021 First Californian. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640
