As one of the first credit unions in the area approved to offer our members business loans and lines of credit, including Small Business Administration (SBA) loans, we have the expertise to help you achieve your business dreams. Once again, we’re proud to rank as one of the top SBA lenders in the Sacramento area – with programs to help businesses grow! If you’re looking to expand operations, buy commercial real estate or improve your cash flow, First U.S. is here to help. Your Local Leader in Business Lending ■ Government-backed SBA loans are also available from $25,000 up to $2 million – and up to $4 million for real estate acquisition. ■ Plus, First U.S. offers standard term loans and lines of credit for small businesses, with variable rates based on the Prime Rate, and terms up to 10 years. Let First U.S. help keep your business moving forward. For more information call Bob Miller, our SBA Business Development Officer, at (916) 576-5679 or visit our website at firstus.org. Big enough to serve, small enough to care. Name: Sandi Pfingst Title: Phone Center/Branch Manager Branch Manager Corner Sandi serves a dual role for First U.S., as the manager of our Campus Commons Branch in Sacramento, and as the manager of our Phone Center. Since joining the First U.S. family in August of 2017, Sandi has been a source of financial education for both staff and members – leading one of our most important teams – the Member Service Representatives that answer your phone calls. Sandi leads by example, making a difference for our members every day by taking calls herself and demonstrating the “service with a smile” that comes through not just in person, but over the phone as well. With a background in training and service with other Sacramento area credit unions, Sandi hit the ground running for us, having previous experience with our core data system. Sandi’s favorite part of the job is, “helping members with their financial situation, whether it be through a product or service, or simply with financial education.” July 2018 • Serving the Twelve-County Sacramento Region and California Federal Employees
Transcript
As one of the first credit unions in the area approved to offer our members business loans and lines of credit, including Small Business Administration (SBA) loans, we have the expertise to help you achieve your business dreams.
Once again, we’re proud to rank as one of the top SBA lenders in the Sacramento area – with programs to help businesses grow! If you’re looking to expand operations, buy commercial real estate or improve your cash flow, First U.S. is here to help.
Your Local Leader in Business Lending
■ Government-backed SBA loans are also available from $25,000 up to $2 million – and up to $4 million for real estate acquisition.
■ Plus, First U.S. offers standard term loans and lines of credit for small businesses, with variable rates based on the Prime Rate, and terms up to 10 years.
Let First U.S. help keep your business moving forward. For more information call Bob Miller, our SBA Business Development Officer, at (916) 576-5679 or visit our website at firstus.org.
Big enough to serve, small enough to care.
Name: Sandi Pfingst
Title: Phone Center/Branch Manager
Branch Manager Corner
Sandi serves a dual role for First U.S., as the manager of our Campus Commons Branch in Sacramento, and as the manager of our Phone Center. Since joining the First U.S. family in August of 2017, Sandi has been a source of financial education for both staff and members – leading one of our most important teams – the Member Service Representatives that answer your phone calls.
Sandi leads by example, making a difference for our members every day by taking calls herself and demonstrating the “service with a smile” that comes through not just in person, but over the phone as well. With a background in training and service with other Sacramento area credit unions, Sandi hit the ground running for us, having previous experience with our core data system.
Sandi’s favorite part of the job is, “helping members with their financial situation, whether it be through a product or service, or simply with financial education.”
July 2018 • Serving the Twelve-County Sacramento Region and California Federal Employees
FEDERALLYINSUREDBY NCUA
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.
The offices and branches of First U.S. will be closed Wednesday, July 4, 2018 in observance of
Independence Day.
Get the Best of Both Worlds…
15-Year Rates with Low, 30-Year Payments
Call us at (800) 556-6768 or stop by your local branch. To apply online, visit firstus.org and get one of the last FIXED-RATE cards available today.
Home loan rates have been on the rise. But you can still get a low-rate home loan and SAVE at the same time.
Call us at (800) 556-6768 today for a free, no-hassle consultation with one of our Real Estate consultants.
We can answer any questions you may have, and help you make the right choice for your home financing needs. Apply today.
APRs (Annual Percentage Rates), terms and offers accurate as of 7/1/18 and subject to change without notice. APR is variable and based on 10-year CMT plus 1%. Maximum adjustment 6%; floor rate 1.00%. Owner-occupied, California properties only. Subject to availability. Certain restrictions apply. Payment example: 180 monthly payments of approximately $4.77 per $1,000 borrowed, followed by 180 payments of $4.77 per $1,000 borrowed (based on today’s fully-indexed value). Taxes and insurance are not included in the payment example; your actual payment will be higher.
■ Save with the lower rate of a 15-year term
■ And enjoy the lower payment of a 30-year loan
It’s our 15/15 ARM. With rates as low as 3.99% / 4.08% APR – you’ll have the stability of only one rate adjustment after the first 15 years. Plus, you’ll enjoy the affordable payments of a full 30-year term.
Talk with one of our Real Estate consultants about a VA Loan through First U.S. – with a variety of options that make home ownership more affordable for Veterans.
VA loans are available to veterans even if you’ve used the benefit before, and you don’t have to be a first time borrower to qualify. So give us a call today.
Rates, terms and offers effective 7/1/18 and subject to change without notice. Owner-occupied, primary residence, California properties only. Subject to availability. Certain restrictions apply. A non-refundable VA funding fee is required at closing and is higher with a zero down payment.
First U.S. Offers VA Loansmaking home ownership more affordable for Veterans
■ Finance up to 100% - with $0 down
■ Purchase or refinance with FIXED or variable rates
■ Save with NO Mortgage Insurance requirements and NO prepayment penalty
We can answer any questions you may have and help you make the right choice for your home financing needs. Just stop by your local branch, call us at (800) 556-6768, or visit firstus.org.
