September 2024 Connections eNewsletter

"Because peace of mind matters"

September 2024

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Debt Consolidation

Four low FIXED rate options for debt consolidation.

In today’s economy many of us find ourselves financing everyday purchases on credit leaving you with high credit card and department store charge card balances. Those balances can mean high monthly payments which could go on for years. But you do have a choice - actually four choices. You can save a bundle by transferring those balances to a low FIXED rate 1st Nor Cal Credit Card, 1st Line, Signature Loan or Home Equity Loan. Our rates on these products are low and fixed which makes them a super smart choice for consolidating your debt.

For those members who want to consider consolidating larger amounts like remaining auto loan balances, college tuition or other personal loans, our Home Equity Loan is a really great low fixed rate option.

Click below for more information and to apply.

*Annual Percentage Rates (APR) are subject to change without notice. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. All loans subject to credit approval. Must be 18 or older to apply.
**No fee for Balance Transfer and Cash Advance transactions completed at any 1st Nor Cal Credit Union branch location. Fee for Cash Advance transactions that take place anywhere other than at a 1st Nor Cal Credit Union branch is $3.00 or 3.00% of the amount of each transfer or advance, whichever is greater (maximum fee: $50.00).
1: APR = Annual Percentage Rate. Loan amount and terms subject to approval; your rate may be different depending on loan amount, term, credit score and other factors. Your rate will be disclosed prior to funding. Daily periodic rate for 9.90% APR is .02712. Minimum payment on a 1st Line of credit with a limit up to $2,000.00 is $50.00 per month. Maximum limit is $20,000.00 with a minimum payment of $475.00. Rates are subject to change.
2: APR = Annual Percentage Rate. Loan amount and terms subject to approval; your rate may be different depending on loan amount, term, credit score and other factors. Your rate will be disclosed prior to funding. Daily periodic rate for 8.90% APR is .02438%. Rates are subject to change.
3: APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR. The interest rates and Annual Percentage Rates (APRs) shown are subject to change without notice. All mortgage loans through 1st Nor Cal Credit Union are for primary residence homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Loans available up to 70% of home’s current equity. Payment example: For a 10 year, $200,000 home equity loan with a fixed rate of 7.00% (7.304% APR), approximate payment amount is $2,322.17. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS #580488

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1111 Pine St, Martinez
538 Center Ave, Martinez
4261 Century Blvd, Pittsburg
8660-E Brentwood Blvd, Brentwood
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(888) 387-8632

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administrations, a U.S. Government Agency.  

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.  

  Recommended Five-Star Institution by Bauer Financial "Because peace of mind matters"

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  The information contained in this email (the “Content”) is provided for informational and educational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Content is not intended to be and does not constitute financial, investment, tax or accounting advice or a solicitation to buy or sell securities. The Content is necessarily general in nature and is not specific to you or anyone else. YOU SHOULD CONSULT YOUR OWN INVESTMENT, TAX OR ACCOUNTING ADVISORS BEFORE IMPLEMENTING ANY ADVICE INCLUDED IN THE CONTENT. By viewing or utilizing the Content, you agree that you will not hold Marquis Software Solutions, Inc., 1st Nor Cal Credit Union or their affiliates or agents responsible for loss or damages resulting from the Content.  