July 2026 Quarterly Newsletter
Looking to Purchase or Refinance?
Flexible Loan Options:
- Fixed or adjustable rate
- Terms from 10 to 30 years
- Jumbo loans
First-Time Homebuyer Program:1
- Loans with as little as 5% down with no Private Mortgage Insurance (PMI)
- Down payment gifts allowed
Lock & Shop Program:2
- Lock in your rate for up to 90 days while house hunting
- Includes a one-time rate adjustment if interest rates drop
1First-Time Homebuyer Program is available to members who have not owned a home within the last 3 years. Homeowner education is required.
2The Lock & Shop Program will lock your initial interest rate for up to 45 days. Borrower must supply the fully executed purchase and sales contract within 45 days of participating in the Program and must close escrow within the 90-day period. Locks may be transferred between properties.
Meet Your Mortgage Lending Officers
Our experienced real estate loan specialists are here to guide you through every step of the financing process. With personalized solutions and trusted expertise, we help make your real estate goals a reality.
Christopher Tatton
Senior Home Loan Advisor
Serving: Rocklin, Auburn & Grass Valley
90f3e4f1e4e4fffed0f6f9e2e3e4e5e3beffe2f7
916-576-5664
916-576-5700 , ext. 2011
NMLS #1089578
With over 17 years of residential lending experience, including 12+ years with First U.S., Chris is dedicated to making the mortgage process clear, seamless, and personalized for every homebuyer and homeowner.
David Oliveros-Castellanos
Senior Home Loan Advisor
Serving: Sacramento & Gold River
90f4fffcf9e6f5e2ffe3d0f6f9e2e3e4e5e3beffe2f7
916-576-5672
916-576-5700 ext. 2011
NMLS #1175725
With over 10 years of real estate lending experience, David is passionate about guiding members through the homeownership journey with expert advice and personalized support every step of the way.
Learn more at firstus.org/home-loans
Let Your Payment Slide This Summer With Skip-A-Pay
Summer is time for fun in the sun, not stressing about bills. With a low $30 processing fee per loan,you can skip a loan payment and have more cash to do the things you love.
How to schedule your Skip-A-Pay:
- Log in to Online or Mobile Banking
- Select Tools, then Skip-A-Pay
- Choose your loan and the account from which to withdraw the fee
Don’t have the First U.S. Mobile App?
Download it today! Apple | Android
Home loan products do not qualify. The terms of the Skip-A-Pay are subject to change and/or cancellation at any time without notice. Interest continues to accrue on your loan during the month you skip your payment. Consumer loans may be eligible for up to two (2) skipped payments a year. Loans must be in good standing and meet eligibility criteria to qualify. The $30 processing fee must come out of a First U.S. account. If funds are insufficient, the skip will not be approved.
Congratulations to Our Scholarship Winners!
First U.S. is proud to invest in the future of our communities through our annual scholarship program, awarding a total of $5,000 to four outstanding students pursuing higher education in the fall of 2026. This year’s scholarship recipients – Violet, Charlize, Elaine, and Ryan – were selected based on academic excellence, leadership, and community involvement. Representing communities connected to our Grass Valley, Auburn, Rocklin, and Sacramento branches, each student exemplifies the bright future ahead.
Our winners were recently recognized at their local branches, where they received scholarship awards. These moments serve as a reminder of the importance of investing in future leaders and celebrating the incredible potential within our communities.
Congratulations again to Violet, Charlize, Elaine, and Ryan on this well-deserved achievement. We are honored to support your educational journey and the positive impact each of you will make in the years ahead. Thank you for inspiring us with your hard work, leadership, and dedication to your communities.
Helping You Make Your Money Go Further
We know that life can bring unexpected challenges and expenses. When situations arise that require you to stretch your budget, First U.S. is here to help. Whether you’re looking to consolidate debt, access emergency funds, or find ways to make the most of every dollar, our team is committed to guiding you through financial ups and downs with confidence.
Here are a few ways we can help:
Personal Loan
Fixed rate as low as 9.49% APR1
Take advantage of low rates and straightforward terms.
- Borrow up to $25,000
- Terms from 12 to 60 months
- No application or processing fees
Personal Line of Credit
Fixed rate as low as 13.25% APR2
Get flexible funds when you need them.
- Competitive rates
- Draw and repay as needed
- Link as overdraft protection
Visa® Platinum Preferred Credit Card
0% APR for six months, then fixed APR as low as 9.90%3
Enjoy a low, fixed rate and keep your payments on target.
- No annual fees
- No balance transfer fees
- No penalty rates
1Annual Percentage Rates (APRs), terms, offers effective 06/10/2026 and subject to change. Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
2Maximum loan amount: $25,000. Minimum payment: 2% or $25, whichever is greater. Payment example: 60 payments of $23 per $1,000 borrowed.
3Income, 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. Platinum Preferred Visa: After intro rate period, your rate will not increase.