If you own your home, you’re sitting on one of the most flexible, affordable borrowing options available—a Foothill Home Equity Line of Credit (HELOC).
For a limited time, new HELOC advances of $5,000 or more come with a special 4.99% APR* intro rate for 12 months.
Use it to consolidate high-interest debt, cover home projects, or handle big expenses at a lower cost. Tap into the borrowing power of your home today.
*APR- Annual Percentage Rate. The 4.99% promotional APR applies only to new HELOC advances of $5,000 or more and is valid for 12 months from the date of the qualifying advance. After the promotional period, any remaining balance will revert to the standard variable APR based on the Prime Rate as published in The Wall Street Journal plus a margin of –0.25% to +1.00%, depending on creditworthiness. APR adjusts quarterly. Minimum APR: 4.00%. Maximum APR: 18.00%. No annual fee; however, estimated processing fees of approximately $680 apply. Minimum line amount: $5,000; maximum: $500,000. Minimum draw: $1,000. HELOC includes a 10-year draw period and 15-year repayment period. Secured by a mortgage lien on your home and available up to 80% CLTV for single-family residences and 75% CLTV for condominiums in Southern California. Property, hazard, and/or flood insurance may be required. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Contact us at (626) 445-0950 for details.
🙌 Our Lowest Personal Loan Rates of the Year ⤵
(Rates as Low as 8.25% APR*)
The holidays are here—and so are our lowest personal loan rates of the entire year! For a limited time, enjoy rates as low as 8.25%, giving you extra room to make the season brighter with flexible funds, festive savings, and a little more breathing room in your budget.
Whether you're gifting, traveling, or tackling year-end expenses, now’s the perfect moment to secure the funds you need. Hurry—these limited-time holiday rates end December 31, 2025.
*APR- Annual Percentage Rate. Rates shown are sample rates only. All loans are subject to credit approval. Loan rates, terms, and conditions are based on applicant’s creditworthiness and may vary. Offer valid October 1 – December 31, 2025. Rates are subject to change without notice. Membership in Foothill Credit Union is required. Certain restrictions may apply. Please contact us for full details.
🏡 Your Answer to a Lower Mortgage Payment
If you’re planning to buy or refinance, a 7/1 Adjustable-Rate Mortgage (ARM) can be a smart way to lock in a lower rate and lower payments—right when you need it most.
With a 7/1 ARM, you’ll enjoy a fixed, typically lower interest rate for the first 7 years, giving you predictable payments during the time many homeowners stay in their mortgage. It’s a great option if you expect to move, upgrade, or refinance before the rate adjusts.
*Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan amount, and property value. All loans are subject to credit approval and Foothill Credit Union membership requirements. The initial interest rate on a 7/1 Adjustable Rate Mortgage is fixed for the first 7 years, respectively, and may adjust annually thereafter based on the index and margin in effect at the time of adjustment. After the initial fixed period, your rate and monthly payment may increase. See our website for more info.
📢 Spread Some Holiday Cheer by Sharing Foothill
Spread some holiday cheer by sharing Foothill! Refer friends, family, or coworkers through Digital Banking and earn $100 for each person who joins and qualifies—they’ll get $100 too. Here's how:
New member must qualify. Referring and new members each receive $100 once the new member opens a qualifying share and checking and meets one requirement: $500/month direct deposit (must post) or funding a Foothill consumer loan. Requirements must be met within 90 days or no incentive is paid. Offer may end at any time.
🎄 Plan Your Purchase this Season with Less Stress
Whether you're checking off a wish list, upgrading something at home, or making a bigger seasonal purchase, our Plan Your Purchase option helps you manage it with confidence.
Instead of paying all at once, you can fund a larger debit purchase ($200–$2,500) upfront and pay it back over time—keeping your holiday (and post-holiday!) budget on track. Make the purchase you’ve been planning for, and enjoy the flexibility to repay it in a way that fits your life.
No new cards. No credit check. Just your existing Foothill checking account and debit card—and everything managed easily through Online & Mobile Banking.
Membership, eligibility, and approval required. Plan Your Purchase (PYP) is available for eligible debit card transactions of $200–$2,500, made within the last 60 days. PYP APR: 17.99%. Only one active PYP plan allowed at a time, with a maximum of $2,500 outstanding. Not all purchases qualify. Joint account holders are not eligible. Terms vary by plan and cannot be changed once selected. Rates and terms subject to change. See current rate.
📢 Foothill's Annual Meeting Set for April 23
Join us on Thursday, April 23, 2026, for Foothill’s 68th Annual Meeting, where you’ll hear updates on the credit union’s performance, learn about our plans for the future, and stay connected with the Foothill team that serves you.
Interested in volunteering on the Board or Supervisory Committee? Contact Nathalie at (626) 445-0950, ext. 6201 by March 10, 2026.
We do business with accordance with the Fair Housing Law and Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by full faith and credit of the United States Government.
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If you have any questions or want more information, please call us at 626.445.0950.
