Rates

Resources Rates

Our Rates

Rates up to date as of June 24, 2022. Rates subject to change without notice.

Regular Shares and Escrow Accounts

Minimum BalanceDividend RateAPY 1
$50 - $9990.100%0.100%
$1,000 - $49,9990.100%0.100%
$50,000 and Greater0.100%0.100%
  1. APY = annual percentage yield.

GoldStar® Shares

Minimum BalanceDividend RateAPY 1
$50 - $9990.125%0.125%
$1,000 - $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.

Youth Accounts (Kirby Kangaroo and Claim Your Youth)

Minimum BalanceDividend RateAPY 1
$50 - $9990.150%0.150%
$1,000 - $49,9990.150%0.150%
$50,000 and Greater0.150%0.150%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.
  3. 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 BalanceDividend RateAPY 1
$50 - $9990.125%0.125%
$1,000 - $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%
  1. APY = annual percentage yield.

IRA Shares

Minimum BalanceDividend RateAPY 1
$1 and Greater0.250%0.250%
  1. APY = annual percentage yield.

Club Account

Minimum BalanceDividend RateAPY 1
$250.100%0.100%
  1. APY = annual percentage yield.

Non-Interest Bearing

Minimum BalanceDividend RateAPY 1
$250.000%0.000%
  1. APY = annual percentage yield.

Share Draft Accounts

Account TypeMinimum BalanceDividend RateAPY 1
Regular Share Draft$5000.050%0.050%
FreshStart Share Draft 2$5000.000%0.000%
ATM Share Draft$5000.000%0.000%
Business Basic Share Draft$5000.050%0.050%
Business Premier Share Draft$5000.200%0.200%
GoldStar® Share Draft 2$5000.100%0.100%
Empowered Checking$5000.000%0.000%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.

Money Market

Minimum BalanceDividend RateAPY 1
$0 - $9990.000%0.000%
$1,000 - $4,9991.045%1.050%
$5,000 - $9,9991.094%1.100%
$10,000 - $24,9991.144%1.150%
$25,000 - $49,9991.193%1.200%
$50,000 - $99,9991.243%1.250%
$100,000 and Greater1.292%1.300%
  1. APY = annual percentage yield.

Share Certificates, IRA Certificates, and Dedicated Saver Certificates

TermMinimum Balance 1Dividend RateAPY 2
6 Months$500.000.399%0.400%
12 Months$500.000.499%0.500%
18 Months$500.000.598%0.600%
24 Months$500.000.698%0.700%
36 Months 3$500.000.797%0.800%
48 Months 3$500.000.896%0.900%
60 Months 3$500.001.243%1.250%
  1. Dedicated Saver Certificates have $5.00 minimum balance, and require automatic transfer deposits of at least $5.00 monthly.
  2. APY = annual percentage yield.
  3. 36 to 60 months regular certificates (excludes Dedicated Saver certificates) have a “Bump Option,” allowing a one-time rate change (to current published rates) during the life of the certificate. The bump can be waived up front in exchange for an additional 0.100% APR (see Certificate Modifiers below).

Share Certificate Membership Programs 1

Account TypeMinimum BalanceShare Certificate TermAPR 2
GoldStar® Member Rewards ProgramAnyAnyAdditional 0.100%
Youth AccountsUnder $500.00Any Dedicated Saver CertificateAdditional 0.100%
Youth Accounts$500.00 or MoreAnyAdditional 0.150%
  1. Only one Membership Program is allowed per certificate.
  2. APR = annual percentage rate.

Share Certificate Modifiers 1

Account TypeMinimum BalanceShare Certificate TermAPR 2
IRA Transfer Special 3AnyAnyAdditional 0.100%
Jumbo Certificates$75,000.00 or MoreAny 4Additional 0.100%
Waiver of Bump Option 5Any36, 48, 60 month 4Additional 0.100%
Anniversary Postcard 6AnyAnyAdditional 0.100%
  1. Only one Modifier is allowed per certificate.
  2. APR = annual percentage rate.
  3. Must be funds transferred to the credit union from another institution.
  4. Excludes Dedicated Saver Certificates.
  5. 36 to 60 months regular certificates (excludes Dedicated Saver certificates) have a “Bump Option,” allowing a one-time rate change (to current published rates) during the life of the certificate. The bump can be waived up front in exchange for an additional 0.100% APR.
  6. With postcard/email, up to 30 days after join date anniversary.

Auto Loan

Account TypeTermAPR 13
New VehicleUp to 84 Months2.24% 60 months2
Used VehicleUp to 84 Months2.24% 60 months2
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
  3. Rates may be adjusted for year of vehicle.

Credit Cards

Account TypeAPR 1
VISA Platinum9.90% 2
Cash Back VISA12.90%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Minimum limit is $500.00 unless part of a promotional program.

Boats & RV Loan

BalanceTermAPR 123
Under $25,000Up to 84 Months4.74%
$25,000 and GreaterUp to 144 Months5.74%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Rates may be adjusted for year of vehicle.
  3. GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.

Motorcycle, 4-wheeler, Jet-Ski

BalanceTermAPR 12
Under $15,000Up to 84 Months5.49%
$15,000 and GreaterUp to 144 Months6.49%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Rates may be adjusted for year of vehicle.

Share Secured Loan

TermAPR
12 Months3.00% 1
24 Months3.25% 1
36 Months3.50% 1
48 Months3.75% 1
60 - 120 Months4.00% 1
Visa Credit Card Share Secured9.90%
  1. Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.

Credit Builder Loan

TermAPR 1
Up to 24 Months9.90%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Overdraft Line of Credit

Account TypeAPR 1
Overdraft Line of Credit18.00%
  1. 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 TypeTermAPR 1
Personal LoanUp to 60 Months7.99%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Mortgages-Conforming

Account TypeRateAPR 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 TypeRateAPR 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 TypeTermAPR 1
Home Equity Line of CreditCall 801-838-8810 for mortgage infoCall 801-838-8810 for mortgage info
Home Equity5 YearCall 801-838-8810 for mortgage info
Home Equity10 YearCall 801-838-8810 for mortgage info
  1. 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 TypeAPR 1
Improved Lot Loan5.00% 2
Unimproved Lot Loan8.00% 2
  1. Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. 40% down, term based off credit rating.

Construction Loan

Account TypeAPR 1
Construction Loan6.25% 2
  1. Rates and financing are based on applicant's credit worthiness and the term of the loan.
  2. 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

Company

Resources

Member Services

Tools

© 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

American United Federal Credit Union BBB Business Review
ncua eol logos