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 93727, Pasadena, CA 91109-3727 to determine if any changes have occurred since the effective date or view the latest
Loan and Savings Rates.
Visa Rates
| VISA Disclosure |
| Interest Rates and Interest Charges |
| VISA | Share-Secured Visa |
| as low as | up to | |
| Annual Percentage Rate (APR) for Purchases | 12.50% | 18.00% | 9.50% |
| APR for Balance Transfers | 12.50% | 18.00% | 9.50% |
| APR for Cash Advances | 12.50% | 18.00% | 9.50% |
| | 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 APR | None | | |
| Grace Period for Repaying the Balance | You 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 Charge | There is no minimum interest charge. | | |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| | | |
| VISA Credit Card Fee Disclosure | |
| Transaction Fees | |
| Foreign Transactions | 1.00% of each foreign currency transaction in U.S. Dollars |
| | 1.00% of each U.S. Dollar transaction that occurs in a foreign country |
| Penalty Fees | |
| Returned Payment | | $31.00 | |
| Late Payment | | $10.00 | |
| How We Will Calculate Your Balance: | We use a method called "Average daily balance including new purchases." See Your Account Agreement for details. |
| Billing Rights: | Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. |
Auto Loans
| Auto Loan Payment Estimates and Disclosure |
| *APR=Annual Percentage Rate. |
| 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 7.25% APR = $1,522; on a $75,000, 120-month loan with a 9.25% APR = $961. |
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, 36 month loan with a 10.74% APR=$82 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
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
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