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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 VISA.  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 Rates

Interest Rates and Interest Charges
VISAShare-Secured Visa
as low asup to
Annual Percentage Rate (APR) for Purchases9.25% 18.00%7.25%
APR for Balance Transfers9.25% to 18.00%
APR for Cash Advances9.25% 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
Grace Period for Repaying the BalanceYou will have twenty-five (25) days from the statement date to pay your entire new balance in full to avoid FINANCE CHARGES on new purchases. There is no grace period for cash advances and checking overdrafts.
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
Rates are current as of: June 19, 2020
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 Payment Estimates and 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.
Lowest possible rate is shown, your rate may vary. Credit approval is required.

Recreational Vehicles

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

Minimum monthly payment is $50.00

Real Estate

Real Estate Loan Applications

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