*Annual Percentage Rates (APR) are subject to change. Rate, maximum term, maximum loan amount and advance amount are based on credit qualifications. Maximum terms vary based on loan amount. We reserve the right to determine collateral value based on industry recognized guidelines or full appraisal. Must be 18 years old or older to apply for a loan. Loans are subject to all Credit Union policies and procedures. Floor rate of 1.99% applies on auto loan terms up to 60 months and 2.24% on a 72 month auto loan term. Auto loan at 1.99% APR requires a minimum FICO® 680 Credit Score. 1.99% for 60 months is $17.53 per $1,000.00 borrowed. 2.24% for 72 months is $14.86 per $1,000.00 borrowed. Offer expires December 31, 2016.
1To qualify for a Convenience Package, a new or existing member must open a first time Checking Account with a Debit Card, set up Direct Deposit, and utilize 1st Line Overdraft Protection. $75 will be deposited into their account upon verification of first Direct Deposit and qualification of services. If member does not use 1st Line Overdraft Protection, they will receive a $50 deposit into their account. Offer limited to ONE (1) $75 or $50 bonus per member. 1st Northern California Credit Union reserves the right to terminate this offer at any time.