Quarterly Newsletter


Three Ways To Put Your Equity To Work This Year
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A Revolving Line To Use As You Need It – with no annual fees, and a low 3.99% APR for 3 months (then rates as low as Prime + 0%), our Home Equity Line of Credit is a great way to tap into your home’s equity. Whether you set up the line of credit to access it in an emergency, or plan to use it for debt consolidation, home improvements, or everyday expenses, our HELOC is a low-cost financing option with a full 20-year draw and repayment period that you can use for any need.
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A Term Loan For Steady Fixed Payments – if you’re looking for a set payment amount and the stability of a fixed-rate, our Equity Loans are on sale. With rates as low as 5.50% APR, you’ll save with no application fee and no processing fee. Use the funds for any purpose from paying off that holiday spending to a well-deserved vacation and everything in between. You know you’ll get a great deal from First U.S.
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A Fixed-to-Variable HELOC with a starting rate that’s fixed to keep your payments in check in a rising rate environment. You’ll save right off the bat with no application and no annual fees. And you’ll enjoy a fixed rate for the first five years or until you make a subsequent advance (after the initial advance of $5,000). It’s our Flex HELOC.
Ask to speak with a Real Estate Specialist today. We can help you understand your options and make the right decision for your particular needs. All without the sales pitch. Just practical advice for you as our member-owner. Call (800) 556-6768, stop by your local branch or visit firstus.org today.
Annual Percentage Rates (APRs), terms and offers effective 01/01/2023 and subject to change without notice. Your actual rate may vary based on your credit history and CLTV. Offers cannot be used to refinance an existing First U.S. loan. Certain restrictions apply. Appraisal fee may be required. Owner-Occupied CA properties only. HELOC: 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%). $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. Not available for purchases. Payment example, 3 monthly payments of $6.06 for each $1,000 borrowed, followed by 237 monthly payments of $8.04 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. Equity Loan: Maximum CLTV 80%. $499 fee waived if loan is kept open for three years. Add 1 point for piggyback loans. Payment example, 60 monthly payments of $19.11 for each $1,000 borrowed. FLEX HELOC: Introductory APR is fixed for 5 years or until an additional advance is made (whichever comes first), then variable and based on Prime Rate as published in the Wall Street Journal on the last day of the previous month + 1% (currently 8.50%).
Maximize Your NCUA Insurance Coverage
In addition to being “well capitalized,” the highest rating provided to credit unions based on a number of ratios that measure our financial position, your deposits at First U.S. are federally insured by the National Credit Union Administration to $250,000.
But did you know that you can maximize your coverage? NCUA share insurance is available to members of credit unions based on account ownership categories. Which means you could establish account ownership types that increase your coverage well above the standard limits.
Coverage to $250,000 is available for ownership categories, including individual member owners of accounts, joint owners, and trusts. Plus, IRAs are insured separately to an additional $250,000
Example of how a family of two might maximize share insurance:
Member A as an individual | $250,000 |
Member B as an individual | $250,000 |
Member A and Member B joint account | $250,000 |
Member A with Member B as Beneficiary | $250,000 |
Member B with Member A as Beneficiary | $250,000 |
IRA for Member A | $250,000 |
IRA for Member B | $250,000 |
$1,750,000 |
Ask your branch for a copy of the NCUA brochure, How Your Accounts Are Federally Insured.
You can also explore your coverage options with NCUA’s insurance estimator at MyCreditUnion.gov/estimator.
PERSONAL LOAN SPECIAL
We’re here for our members with some of the lowest rates we’ve ever offered on personal loans. And to help during this trying time, we’re adding No Payments for 60 Days.
Take a bite out of debt, consolidate balances into one, low payment, or just get a great rate for that special purchase.
- Save with rates as low as 6.75% APR and No Payments for 60 Days
- Enjoy the stability of a fixed rate with a fixed monthly payment
- It’s easy with no application fees
- Loans to $25,000
Annual Percentage Rate (APR), terms and offer accurate as of 01/01/2023 and subject to change without notice. APR assumes ½% discount for automatic payments. Certain restrictions apply. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Interest accrues from date of disbursal. Payment example: 12 payments of $86.38 per $1,000 borrowed.

Join us for the 2023 Annual Meeting
We’re pleased to invite all First U.S. member-owners to attend the 2023 annual meeting. This year, the meeting will be hybrid and held on:
Thursday, February 23, 2023 at 5:00 p.m. at our Headquarters 580 University Avenue in Sacramento
Brian W. Doyle, Jamie Gomes and Clarence Parkins are expected to be re-elected to the Board of Directors for threeyear terms by acclamation during the meeting.
For your safety, we encourage you to attend remotely. To RSVP, please have your member number and email address ready, and visit firstus.org/2023meeting. For more information, or if you wish or need to attend the meeting in person, please contact Toni at (916) 576-5667.

Another Low-Cost Financing Option for Energy-Efficient Improvements
Our GoGreen Loan is a low-cost way of financing certain energy-efficient improvements like:
- Cooling and heating systems
- Energy efficient windows, appliances, and lighting
- Water heaters, heat pump water heaters, low-flow shower heads, etc.
- Cool roofs – and more
And, best of all, you can save on more than your energy bills with low, fixed rates, fast local approvals, no annual fees, no closing costs, and no prepayment penalties. There’s no lien on your home, no equity required, and even renters can take advantage of the savings by self-installing certain ENERGY STAR® appliances.
Our GoGreen Loans offer:
- Loan amounts from $2,500 to $50,000
- Terms up to 15 years
- Rates as low as 2.95% APR
- Approval within 24 hours
Call (916) 576-5648 today to speak with Jade Lim, our GoGreen Loan specialist, about making your home more energy efficient.

First U.S. does not endorse or encourage the use of specific products or services offered by participating contractors. Annual Percentage Rate (APR) and program is effective 12/24/2022 and subject to change or cancellation at any time. Payment example: 36 monthly payments of approximately $29.06 for each $1,000 borrowed. The GoGreen Loan does not cover solar projects.

The branches and offices of First U.S. will be closed Monday, January 2nd in observance of New Year’s Day and Monday, January 16th in observance of Martin Luther King Jr. Day.

(916) 576-5700 or (800) 556-6768
Phone Center hours: Mon-Fri, 9:00 a.m. – 6 p.m.; Sat, 9 a.m. – 2 p.m.
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This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.
© 1/2023 First U.S. Community Credit Union