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Regulatory Disclosures

Credit Card

Important Credit Card Disclosure: The following disclosure  represents important details concerning First City’s Credit Card programs. The information about costs of the Card are accurate as of January 15, 2019.  You can call Us at (800) 944-2200 or write us at P. O. Box 86008, Los Angeles, CA 90086-0008 to determine if any changes have occurred since the effective date or view the latest Loan and Savings Rates.

Visa Platinum Rates

Interest Rates and Interest Charges
Effective as ofJanuary 15, 2019
VISA PlatinumShare-Secured Visa Platinum
as low asup to
Annual Percentage Rate (APR) for Purchases11.50% 18.00%9.50%
APR for Balance Transfers11.50% to 18.00%
APR for Cash Advances11.50% to 18.00%
APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR will vary with the market based on the Prime Rate.
Penalty APRNone
How to avoid paying interest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest ChargeThere is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Set-up and Maintenance Fees
• Annual Fee
• Account Set-up Fee
• Participation Fee
• Additional Card Fee
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction
1% of each transaction in U.S. Dollars
Penalty Fees
• Late Payment
• Over-the-Credit-Limit
• Returned Checks
Method of computing the balance for purchasesAverage daily balance (including new purchases)

 Auto Loans

Auto Loan Disclosure
*APR=Annual Percentage Rate. Auto loan payment estimates on a $45,000, 84-month loan with a 4.50% APR = $626; on a $15,000, 36-month loan with a 2.89% APR = $436.
Other terms available up to 96 months. 96 month rate exclusive to tiers 1, 2, and 3, available on new autos or most recent model years, less than 5000 miles, $40,000 minimum. eGreen and Advantage Checking Account loan rate discounts do not apply with these promotional rates. Minimum $10,000 loan required on terms longer than 60 months. Certain model year restrictions may apply, please contact First City for clarification. Rate increase of .25% for vehicle mileage of 100,000 or more. Refinance offer not available on existing First City loans. Cannot be combined with other promotional offers. Rates and programs subject to change. Other conditions may apply.

Recreational Vehicles

Recreational Vehicle Disclosure
*APR=Annual Percentage Rate. Auto loan payment estimate example: on a $100,000, 84-month loan with a 7.64% APR = $1,541; on a $75,000, 120-month loan with a 9.75% APR = $981.

Minimum $50.00 loan payment required.

New RVs, BOATS, & TRAILERS: Up to $100,000 for up to 120 months. USED RVs, BOATS, & TRAILERS: Up to $75,000 for up to 120 months.

  • Loan-to-Value:
  • New RV = $100,000 at 100% LTV
  • Used RV = $75,000 at 95% LTV
  • New Boat/Trailer = $75,000 at 100% LTV
  • Used Boat /Trailer = $50,000 at 95% LTV

Personal Loans

Personal Loan Payment Estimate
On a $2,500, 24 month loan with a 11.90% APR=$118 per month
*APR=Annual Percentage Rate
Maximum personal loan allowed, including combined Personal Loan balance and Visa Credit Card available credit is $30,000.

Minimum monthly payment is $50.00

Real Estate

Real Estate Loan Applications

Home Equity Line of Credit Disclosure (PDF)

Consumer Finance Protection Bureau Disclosures

Current rates and applications for HELOCs and Home Equity Loans are available here or by calling (877) 296-8728 or visit us at our Home Mortgage Center

OVERDRAFT PROTECTION. To the extent permitted by law, You authorize Us to transfer funds from other accounts You may have with Us in necessary multiples (or in such increments as We may from time to time determine) to Your Account to cover any overdraft. If You have a line of credit with Us, transfers will be made either from Your line of credit up to Your available credit limit and/or from Your Primary Share Account, provided You have enough available funds in that Account, depending upon the preference You have indicated to Us for clearing any such overdraft(s). Any overdraft transfers from Your Primary Share Account may be subject to a transfer fee. You agree to hold Us harmless from any and all liability which might otherwise exist if a transfer does not occur.

COURTESY PAY OVERDRAFT. Except for new members and new Share Draft Accounts (e.g. less than 90 days), and those members not in good standing with the Credit Union as described elsewhere in the Agreements and Disclosures you received at account opening, You understand and agree that We may from time to time and at Our sole discretion, provide You with Courtesy Pay and pay certain items in order to cover any overdrafts of Your Share Draft Accounts. You understand that payment of these overdrafts will be made subject to Our Courtesy Pay policy in force at the time of any such payment. Payment of any overdrafts made in conjunction with Courtesy Pay are subject to a fee. You hold Us harmless from any and all liability which might otherwise exist if We do not pay an overdraft.

Courtesy Pay is limited to an amount that We designate and We will not pay any overdraft that would result in Your Share Draft Account being overdrawn in an amount that exceeds such limit. In addition, We will not pay any overdraft when one or more of the following conditions exist: (a) You are past due on any loan obligation or in default of any obligation to the Credit Union; (b) You are subject to any legal or administrative orders, including a levy or garnishment; (c) You should die, or be involved in any insolvency, receivership, bankruptcy or custodial proceeding brought by or against You; (d) You have an outstanding negative balance in Your Share Draft Account for 18 or more consecutive days; (e) Your Share Draft Account, or any other Account relationship, is frozen due to a collection related matter; (f) Your Account contains a ChexSystems indicator; (g) We have noted what appears to be improper activity taking place on Your Account. We are not required to give You advance notice of Our intent not to pay a returned item, and We will not do so. Any overdraft outstanding after 15 days may result in additional fees as disclosed in Our Schedule of Fees and Charges. You may request that We not pay any overdrafts on Your Share Draft Account, by notifying Us in writing at P.O. Box 86008, Los Angeles, CA 90086-0008.