July 2025 Quarterly Newsletter
Make More Room
HELOC Intro Rate as Low as 5.99% APR *
Summer is the time to stretch your legs and enjoy time outside! A Home Equity Line of Credit (HELOC) is a great way to upgrade your summer fun with a new pergola, pool or deck. Use the equity you’ve built in your home to fund your home projects – or use a HELOC to fund anything, from a vacation to tuition and more.
- Intro rate as low as 5.99% APR for 6 months, then Prime + 0%.
- No annual fees.
- Borrow up to 100% CLTV. Max $250,000.
- 20-year draw and repayment period.
*APR = Annual Percentage Rate. Offer effective: 06/18/2025. APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 7.50%). Your actual rate may vary based on your credit history. Minimum APR 3.99%. Maximum APR 15.00% for up to 95% LTV or 18% for 95.01% - 100% CLTV. $499 opening fee for second trust deeds or $799 for first trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees and notary fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Not available for purchases. Payment example: 6 monthly payments of $7.17 for each $1,000 borrowed, followed by 234 monthly payments of $8.10 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. Promotional rate is only available on HELOCs up to 80% CLTV.
Enjoy the Journey With Stress-Free Auto Loans
First U.S. now offers a streamlined online loan application process that only takes a few minutes to complete! You can now get instantly approved when applying for an auto loan.
- 0.25% APR discount on hybrid or electric vehicles 1
- 0.50% off your APR or up to $500 cash back for refinances 2
- No payments for 90 days
Learn more at: firstus.org/loans/auto-loans
Terms and offers effective 06/18/2025 and subject to change without notice. 1 APR=Annual Percentage Rate. Membership must be established prior to loan application. Discount applies to standard, posted rates. Not available with any other rate discounts or offers. 2 APR=Annual Percentage Rate. 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 100% HKBB with cash out. Cash Bonus: one per vehicle based on 1% of 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.
Wherever You Are, You Can Manage Your Cards
Whether you’re enjoying your summer at home or off to a tropical vacation, take control with Card Management. It helps you easily manage card usage, authorizations, limits, travel notices and more.
To set up Card Management:
- Log in to firstus.org.
- Select “Card Management” from “Tools.”
- Select a specific card.
- Choose your settings.
Did you know you can also receive notifications for your checking and loan accounts with eAlerts? Use Card Management and eAlerts together for full coverage of your accounts. It’s an easy way to help prevent fraud for FREE!
Funds Availability Policy Disclosure and Deposit Hold Update Notice
There has been a change to Regulation CC, a federal rule that governs how quickly
As a result, the following changes are being made to the Funds Availability Policy Disclosure and Deposit Hold Notice effective July 1, 2025:
The first $275 from most check deposits (previously $225) will be available the next business day after the deposit is made.
Checks totaling more than $6,725 on any one day (previously $5,525) deposited to First U.S. accounts that you (and others) own may be held four business days.
Please visit firstus.org/funds-availability to review the full policy disclosure.
A New Space for Grass Valley: Ribbon Cutting and Open House Celebration!
Our Grass Valley branch recently relocated across the Fowler Center parking lot to a more modern and spacious location to serve members. To celebrate the new space, we kicked off a multi-day celebration with a Ribbon Cutting Ceremony on May 15th with the Grass Valley Chamber of Commerce, bringing together the community and our members with delicious cookies from Gold Rush Cookie Company.
The celebration continued Saturday, May 17th, with an Open House featuring an electric performance from Nevada Union Cheer with big energy and even bigger spirit. Coco’s Creamery brought their homemade ice cream bars, and Nevada County’s local KNCO radio station joined in on the fun, interviewing staff and attendees live and on air from the event. Guests enjoyed exciting prizes, exclusive promotions and plenty of family-friendly activities throughout the day.
It was the perfect way to celebrate the opening of a branch built to better serve the amazing Grass Valley community. From the ribbon cutting to the ice cream, we couldn’t have asked for a warmer welcome. Thank you to everyone who came out, cheered us on and helped us make it a celebration to remember. We can’t wait to serve you in our new space soon!