What are the current interest rates at Foothill Credit Union?

Current rates for Foothill Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.10%, 60-Month CD: 3.95%, Savings: 0.05%, MMA: 0.30%

MonitorBankRates

☰

Home›
Credit Unions›
Foothill Credit Union

iAdvertiser Disclosure

Foothill Credit Union Rates & Review August 2026

Q: How many branches does Foothill Credit Union operate?

Foothill Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Foothill Credit Union?

Yes, to access services at Foothill Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Foothill Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Foothill Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Foothill Credit Union's 60 Month Jumbo CD rates are at 4.00%, Jumbo IRA CD 60 Month rates are at 4.00%, Regular IRA CD 60 Month rates are at 3.95%, 12 Month Core CD rates are at 3.80%, 6 Month Jumbo CD rates are at 3.80%. Foothill Credit Union's savings rates are at 0.05%. Foothill Credit Union's money market rates are at 0.30%. Foothill Credit Union's Mortgage Rates - 15 year rates are at 5.75%, Mortgage Rates - 15 year rates are at 5.88%, Adjustable Rate - 5/1 ARM rates are at 6.12%, Mortgage Rates - 20 year rates are at 6.12%, Mortgage Rates - 20 year rates are at 6.25%. Foothill Credit Union's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Foothill Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.19%. Rates last updated and verified on 08/28/2026.

Foothill Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Foothill Credit Union? Share your experience about Foothill Credit Union by leaving a review below, or read customer reviews before you decide to use Foothill Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.19%

Excellent Lower than avg

Foothill Credit Union
Corporate Office

250 W Colorado Blvd
Arcadia, CA 91007

http://www.foothillcu.org

Foothill Credit Union CD Rates

Product	Rate	APY	Term
60 Month Jumbo Certificate	3.92%	4.00%	60 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Jumbo IRA Certificate 60 Month	3.92%	4.00%	60 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Regular IRA Certificate 60 Month	3.87%	3.95%	60 Month
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
12 Month Core Certificate	3.73%	3.80%	12 Month
Min Deposit $500 Details Account minimum is $500, maximum balance is $100,000. Members may open multiple Core Certificates for a maximum deposit of $100,000. Core group includes employees who work for our educator, healthcare, and government municipalities partners. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
6 Month Jumbo Certificate	3.73%	3.80%	6 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Jumbo IRA Certificate 12 Month	3.73%	3.80%	12 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Regular IRA Certificate 12 Month	3.68%	3.75%	12 Month
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
6 Month Share Certificates	3.68%	3.75%	6 Month
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
48 Month Jumbo Certificate	3.44%	3.50%	48 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Jumbo IRA Certificate 48 Month	3.44%	3.50%	48 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
12 Month Youth Saver Certificate	3.44%	3.50%	12 Month
Min Deposit $25 Min Balance $25 Details Additional $25 deposits will be allowed at anytime. One penalty free withdrawal during 12-month term. Only Youth Account members are allowed to have a Youth Saver Certificate. Youth Saver Certificate available until the age of 24. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Regular IRA Certificate 48 Month	3.39%	3.45%	48 Month
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
36 Month Jumbo Certificate	3.30%	3.35%	36 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Jumbo IRA Certificate 36 Month	3.30%	3.35%	36 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Regular IRA Certificate 36 Month	3.25%	3.30%	36 Month
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
28 Month (Online only) Share Certificates	3.15%	3.20%	28 Month (Online only)
Min Balance $2,000 Details Online Certificate Special: 28 Month Certificate can only be opened via Foothill's online banking. If you currently do not have online banking, please call us at (626) 445-0950 to set up access. Maximum deposit of $250,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
24 Month Jumbo Certificate	3.10%	3.15%	24 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Jumbo IRA Certificate 24 Month	3.10%	3.15%	24 Month
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Regular IRA Certificate 24 Month	3.05%	3.10%	24 Month
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Foothill Credit Union Savings Rates

Product	Rate	APY
Summertime Savings for School Employees	5.83%	6.00%
Min Balance $50 Details Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Flex Savings	2.96%	3.00%
Min Balance $2,000 Details Must maintain a $2,000 balance to earn interest. New money only. New money is considered as funds that have been deposited into the credit union in the last 90 days. No penalty for withdrawals. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Educator Plus Savings	0.55%	0.55%
Min Balance $0 Details Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Christmas Club	0.45%	0.45%
Min Balance $50 Details Members with a Christmas Club and a Summertime Savings are allowed a combined maximum deposit of $3,000 per month into both accounts. See the credit union for clarification. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Rainy Day Savings (less than	0.45%	0.45%
Min Balance $5 Details $2,500; $5 min. - $250 max monthly Foothill account transfer. Each additional withdrawal within the 90 day period will incur a $2.00 fee. Each withdrawal made will reset the month count for applicable bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Summertime Savings	0.45%	0.45%
Min Balance $50 Details Make deposits through direct deposit, payroll deduction, transfer funds using online banking, or add money at any of our branches. Minimum deposit per month is $50 ; maximum deposit per month is $3,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Rainy Day Savings	0.05%	0.05%
Min Balance $5 Details $2,500+; Regular Share rate will apply to any balance over $2,500. Each additional withdrawal within the 90 day period will incur a $2.00 fee. Each withdrawal made will reset the month count for applicable bonuses. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Youth Savings	0.05%	0.05%
Min Balance $5 Details A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500. Ages: 0-17 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Foothill Credit Union Money Market Rates

Product	Rate	APY
Money Market Account - Tier 7	0.65%	0.65%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market Account - Tier 6	0.60%	0.60%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market Account - Tier 5	0.50%	0.50%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market Account - Tier 4	0.45%	0.45%
Min Balance $20,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market Account - Tier 3	0.40%	0.40%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market Account - Tier 2	0.35%	0.35%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market Account - Tier 1	0.30%	0.30%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Foothill Credit Union Checking Rates

Product	Rate	APY
Protection Plus Checking	2.47%	2.50%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Rewards Checking	2.47%	2.50%
Min Balance $2,500 Details Qualifications Required; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Protection Plus Checking	0.75%	0.75%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Rewards Checking	0.75%	0.75%
Min Balance $2,500 Details Qualifications Required: APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned.; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Protection Plus Checking	0.25%	0.25%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Rewards Checking	0.25%	0.25%
Min Balance $5,000 Details Qualifications Required: APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned.; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Protection Plus Checking	0.10%	0.10%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Rewards Checking	0.10%	0.10%
Min Balance $10,000 Details Qualifications Required: APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned.; APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Foothill Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Rates - 15 year	5.75%	0.500	5.97%	15 year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Mortgage Rates - 15 year	5.88%	0.000	6.02%	15 year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Adjustable Rate - 5/1 ARM	6.13%	0.000	6.18%	5/1
Details Index: One-Year Constant Maturity Treasury Rate; Current Index Value: 3.91% as of 07/10/2026; Caps: 1/1/4; Maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Mortgage Rates - 20 year	6.13%	0.500	6.30%	20 year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Mortgage Rates - 20 year	6.25%	0.000	6.36%	20 year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Adjustable Rate - 7/1 ARM	6.38%	0.000	6.43%	7/1
Details Index: One-Year Constant Maturity Treasury Rate; Current Index Value: 3.91% as of 07/10/2026; Caps: 1/1/4; Maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Mortgage Rates - 30 year	6.50%	0.500	6.63%	30 year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Adjustable Rate - 10/1 ARM	6.63%	0.000	6.68%	10/1
Details Index: One-Year Constant Maturity Treasury Rate; Current Index Value: 3.91% as of 07/10/2026; Caps: 1/1/4; Maximum rate and APR over the life of the loan is 4% from the start rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Mortgage Rates - 30 year	6.63%	0.000	6.71%	30 year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Foothill Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - 80% CLTV	-	-	4.99%	180 Months
Details Intro rate expires: 12 Month Intro %; Regular APR: 6.50%; Credit Score: 760+; Margin: -0.25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Home Equity 80% financing	-	-	6.49%	up to 120 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Home Equity Loan	-	-	6.99%	121 Months to 180 Months
Details 80% financing Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Foothill Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile and Truck	-	-	4.74%	Up to 36 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Used Automobile and Truck	-	-	4.99%	Up to 36 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Finance up to 125% Kelley Blue Book value on used vehicles, including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
New Automobile and Truck	-	-	5.24%	48 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Used Automobile and Truck	-	-	5.49%	48 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Finance up to 125% Kelley Blue Book value on used vehicles, including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
New Automobile and Truck	-	-	5.60%	Up to 66 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Used Automobile and Truck	-	-	5.75%	Up to 66 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Finance up to 125% Kelley Blue Book value on used vehicles, including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
New Automobile and Truck	-	-	5.85%	Up to 78 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Used Automobile and Truck	-	-	6.00%	Up to 78 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Finance up to 125% Kelley Blue Book value on used vehicles, including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
New Automobile and Truck	-	-	6.25%	84 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Used Automobile and Truck	-	-	6.74%	84 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Finance up to 125% Kelley Blue Book value on used vehicles, including eligible protection products and coverage options (up to 150% total vehicle value), based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
New Automobile and Truck	-	-	7.25%	96 months
Details Qualifications Required: 0.50% rate discount if member has an active direct deposit of at least $1,000 per month; 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
First Time Auto Buyer - New Auto	-	-	7.49%	Up to 60 months
Details Qualifications Required: 0.50% Rate Deduction if member has an active direct deposit of at least $1,000 per month; 0.25% Rate Discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; 100% of Retail on Purchases. $30,000 max loan amount. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
First Time Auto Buyer - Used Auto	-	-	7.75%	Up to 60 months
Details Qualifications Required: 0.50% Rate Deduction if member has an active direct deposit of at least $1,000 per month; 0.25% Rate Discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.; 100% of Retail on Purchases. $30,000 max loan amount. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Foothill Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	9.50%
Details Qualifications Required: 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month); 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Max discount rate is 0.75.; Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). All loans subject to credit approval. Rate and term determined based on creditworthiness. The rate will not increase while the loan is standing. Cannot be combined with any other offer. Credit Union membership required with a minimum deposit of $5.00. Some restrictions apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Personal Loan	-	10.50%
Details Qualifications Required: 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month); 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Max discount rate is 0.75.; Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). All loans subject to credit approval. Rate and term determined based on creditworthiness. The rate will not increase while the loan is standing. Cannot be combined with any other offer. Credit Union membership required with a minimum deposit of $5.00. Some restrictions apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Personal Line of Credit	-	11.25%
Details Personal Line of Credit are excluded from discounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Personal Loan	-	11.25%
Details Qualifications Required: 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month); 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Max discount rate is 0.75.; Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). All loans subject to credit approval. Rate and term determined based on creditworthiness. The rate will not increase while the loan is standing. Cannot be combined with any other offer. Credit Union membership required with a minimum deposit of $5.00. Some restrictions apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Foothill Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Foothill Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Foothill Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Foothill Credit Union

Website http://www.foothillcu.org

Address 250 W Colorado Blvd, Arcadia, CA 91007

Phone 626-445-0950

Fax 626-445-8042

President Scott Petterson

CEO Mike Terzian

Full-Time Employees 107

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.19%

Return on Assets (ROA)

0.4692%

Return on Equity (ROE)

3.8570%

Non-Performing Loans Ratio (NPL)

0.22%

Total Assets

774,070,419

Total Amount of Shares and Deposits

650,942,751

Total Shares and Deposits < 1 Year

636,572,000

Total Shares and Deposits 1 3 Years

10,187,199

Total Shares and Deposits > 3 Years

4,183,552

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

40,680,892

Total Uninsured Shares and Deposits > $250K (F+J)

40,680,892

Total Insured Shares and Deposits > $250K (item 17 less item K)

610,261,859

Total Interest Expense (Sum of items 6 8)

9,211,520

Share Certificates

6,397

Number of Accounts for Share Drafts

26,770

IRA KEOGH Accounts

1,188

Number of Accounts for Regular Shares

42,940

Money Market Shares

1,586

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

40,566,265

Total Liabilities

686,243,773

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Foothill Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Foothill Credit Union

Frequently Asked Questions About Foothill Credit Union

How many branches does Foothill Credit Union operate?

Foothill Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Foothill Credit Union?

Yes, to access services at Foothill Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Foothill Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Foothill Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Foothill Credit Union offer online and mobile banking?

Most modern institutions like Foothill Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.foothillcu.org.