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Secured
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Personal Line of Credit
Savings Secured
Personal Loan
CD Secured 
Personal Line of Credit
Overdraft Protection
Maximum loan ­to­ value
(based on credit qualification)
90% 90% N/A
Maximum amount available
(based on credit qualification
and/or down payment)
$100,000  $100,000  $10,000 
Payment choices 5% of the balance or $25, whichever is greater  Interest only monthly; principal and interest at maturity  5% of the balance or $25, whichever is greater
Available term Open-ended Term of CD Open-ended
(subject to annual review)
A variety of credit card options are also available through an alliance with Elan Financial Services. Elan Financial Services is not affiliated with First Federal Bank of California.