If debt consolidation is on your mind, make a resolution this year to lower your overall debt or to save on interest by consolidating higher-rate loans. First U.S. can help with better rates and lower fees than you might � nd at other � nancial institutions. For us, it’s about making a di� erence by providing value-added tools that help enhance your life.

Here are four low-rate and low-cost ways to save money as you consolidate higher-rate debt:

Rates have been on the rise, and more than likely, so has the rate on your variable-rate credit card. Transferring those balances to a FIXED-RATE First U.S. VISA means your rate will not increase as the market does – and with NO Balance Transfer Fees, you can move those balances with no added costs.

■ You’ll save money right away with:

■ 0% APR for 6 months, then a � xed rate as low as 9.90% APR.

■ NO Balance Transfer Fees

■ NO Annual Fee

■ NO Penalty Rates, and NO Over-The-Limit Fees

Don’t just pay down your debt, eliminate it more quickly with our Eliminator Loan. With a � xed APR as low as 9.90%, you’ll save money right away over higher-rate debt, which makes it easier to pay o� . And with � exible terms, you can choose a payment that’s right for your budget.

Save by lowering your interest rate over higher-rate debt. It’s easy with a First U.S. Home Equity Line of Credit (HELOC). As you pay down balances, your available credit increases. And with no annual fees, and a rate as low as Prime + 0%, you’ll know you are getting one of the lowest cost, and lowest payment HELOCs around.

■ Save on interest with an APR as low as Prime + 0%

■ Save even more with No Annual Fees and No Application Fees

■ And with the � exibility of our generous 20-year draw and repaymentperiod, you can access your line when you need it, and enjoy the lowest payments possible

Re� nance your vehicle with a low, � xed-rate First U.S. auto loan – and get cash-out, up to 100% high Kelley Blue Book. Whether you still owe a little, or own your vehicle outright, you can use the funds any way you’d like — even to pay down higher-rate debt.

■ With rates as low as 3.69% APR, an auto re� may be one of yourlowest cost debt consolidation options

■ Act now, and get a cash bonus up to $300 when you re� nance yourauto loan from another lender to First U.S.

Give Us a Call Today! Make this the year that you � nally take a bite out of your higher-rate debt, and talk with a Member Service Representative today. Give us a call at (800) 556-6768, visit � rstus.org, or stop by your local branch.

APRs, rates, terms and o� ers accurate as of 1/1/2019 and subject to change without notice. O� ers cannot be used to re� nance an existing First U.S. loan. Rates include ½% discount for automatic payments. VISA: Income, credit and other criteria will determine actual APR. After intro rate period, your rate will not increase. Eliminator: Payment example: 66 payments of $20 per $1,000 borrowed. HELOC: APR is variable and based on Prime Rate as published in The Wall Street Journal (currently 5.50%). $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Not available for purchases. Payment example: 240 monthly payments of approximately $6.89 for each $1,000 borrowed. Auto: Payment example: 72 payments of $15.67 per $1,000 borrowed. Cash bonus, one per vehicle based on re� nanced amount from another lender ($100 for re� nances of $10,000+, $200 for re� nances of $20,000+, $300 for re� nances of $30,000+). Loan must remain at First U.S. for 6 months or cash bonus is added to payo� balance. Cash back o� er not available for purchases. Interest accrues from date of disbursal.

Make Debt Consolidation Your New Year’s Resolution

#1Transfer Variable Credit Cards to aFIXED-RATE First U.S. VISA®

#2 Eliminate Debt With a First U.S.Eliminator Loan

#3 Transfer Debt To a LowerRate HELOC

#4 Pay O� /Pay Down Debt With aCash-Out Auto Re� nance

Big enough to serve, small enough to care.

Make Debt Consolidation Make Debt Consolidation

January 2019 • Serving the Twelve-County Sacramento Region and California Federal Employees

FEDERALLYINSUREDBY NCUA

FEDERALLYINSUREDBY NCUA

©1/2019 First U.S. Community Credit Union

The o�ces and branches of First U.S. will be closed Monday, January 21st in observance of Martin Luther King Jr., Day. This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither

the publisher nor any othe party assumes liability for loss or damage due to reliance on this material.

Join Us For Our

Annual Meeting

Get A FIXED-RATE VISAand enjoy the peace of mind that

when rates go up, yours won’t.

★ FIXED APRs as low as 9.9%★ No Annual Fees

★ No Balance Transfer Fees, and more

Visit � rstus.org for details

Brighten your season with a low-rate Holiday Loan

We are pleased to invite all First U.S. member-owners to attend the 2019 annual meeting to be held in the First U.S. Board Room at

580 University Avenue, SacramentoTuesday, February 28, 2019 at 5:00 p.m.

Richard Bender and Richard (Dick) Cochran are expected to be reelected to the Board of Directors for three-year terms by acclamation at the annual meeting. Additionally, Dennis B. Cook is expected to be reelected to the Supervisory Committee for a three-year term by acclamation at the annual meeting. Light refreshments will be served.

For more information, call Sandy at (916) 576-5667.

Deck the halls. Buy some extra gifts. Visit family and friends. The choice is yours with a little extra cash from a First U.S. Holiday Loan. You’ll enjoy a low rate, an easy repayment term, and no application or processing fees.

■ Borrow up to $1,200

■ Take up to 12 months to repay, and

■ Save with an APR as low as 8.90%

Call (800) 556-6768 or stop by your local branch today. But hurry, this o� er is only good until January 31, 2019.

Cannot be used to re� nance an existing First U.S. loan. O� er e� ective 10/15/18 through 1/31/19, and is subject to change at any time. The quoted APR (Annual Percentage Rate) includes a 0.50% discount for automatic payments. Income, credit and other criteria will determine actual APR, which may be higher. Payment example, 12 monthly payments of $105.