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Personal Lending

Credit Cards

Please follow the steps below:
  1. Login to Digital Banking
  2. Under “Card Management” select “View Credit Card”
  3. In your list of posted card transactions, find the transaction you wish to report an issue on
  4. Use the drop-down arrow to the right of the transaction in question
  5. Select “Report an Issue” button
  6. Follow the steps to report the dispute or call us at 888.800.3328 for further assistance.
Please keep in mind that a dispute can take up to 12 weeks to resolve.
You can make your credit card payment(s) through Digital Banking as follows: From a First Entertainment Checking or Savings account:
  1. Log in to Digital Banking.
  2. On your Dashboard, select the “Pay” icon on the credit card you wish to make a payment to.
  3. On the Transfers page, select the First Entertainment Checking or Savings account you wish to pay from
  4. Enter the amount you wish to pay and when. You can pay your current balance, statement balance, minimum due or other amount.
From a non-First Entertainment Checking or Savings account:
  1. Log in to Digital Banking.
  2. On your Dashboard, select "Card Management"
  3. Then select "View Credit Card"
  4. Select the "Make Payment" option
  5. You can then "Choose a Payment Account" (external or internal) or
  6. Select the "Edit" button to change or add a new account to pay from
  7. Enter the amount you wish to pay and when. You can pay your current balance, statement balance, minimum due or other amount.
  8. You can also enroll in "Automatic Payments" by selecting the "ENROLL" option next to "Automatic Payments" on this page.
Both members and prospective members can apply online. You can also apply by chatting with us or making an appointment for more personal assistance with the application process.
No, you must keep your First500 savings account open to maintain your First Entertainment members and keep your Visa Credit Card open. Otherwise, it will be closed.
Please click here for the Visa Agreement and Disclosure.
Please click here for the interest and fee information.
No, there are no foreign transaction fees charged on any First Entertainment credit card.
No, at this time you cannot transfer directly from your credit card to your checking account. You can do a cash advance from your credit card and then deposit those funds to your checking account. This needs to be done in person at a branch with a valid form of identification, such as a current driver's license.
If you have a legacy Visa Platinum Credit Card that was opened prior to February 2021, your points still expire after four years (48 months) from the date of issuance. Reward points do not expire on our Spotlight Visa Credit Card.
Use the following to access and redeem your Reward Points:
  1. Login to Digital Banking
  2. Under Card Management select
  3. Redeem Credit Card Rewards
Once you are on the Rewards platform, you can then review activity, total balance, or redeem your credit card reward points for cash back, gift cards (physical or electronic), merchandise, travel, and events.
Yes you can! Just follow these simple steps:
  1. Log in to Digital Banking via our Desktop site or Mobile App
  2. Click Card Management > Manage Your Cards
  3. Select the card you would like to update
  4. Select Travel Notices
  5. Enter a Start Date and End Date under Add New Travel Notice
  6. Specify your Destination
    • Domestic or International
    • State or Country
  7. Then click Save
Yes, you can request to have your credit card rushed to your home or a place of business. We cannot rush a credit card to one of our branches or a P.O. Box.
With Card Management functionality in Digital Banking, we put the control at your fingertips. Enjoy the following options:
  • Block/unblock your card
  • Update Alerts
  • Report your card lost/stolen
  • Add a travel notice
  • Enable/disable foreign transactions
  • Add authorized user(s)
Just follow these simple steps to access Card Management:
  1. Login to Digital Banking
  2. From the “More” section, select “Card Management”
  3. From the drop-down select the “Manage Your Cards” option
  4. Each of the above card controls will be available for you to update per your preferences.
To add an “Authorized User” to your credit card:
  1. Login to Digital Banking
  2. Select More Services then,
  3. Manage Your Cards then,
  4. Click on your Credit Card icon then,
  5. Add Authorized User then,
  6. Complete DocuSign process to add an authorized user to your account
First Entertainment will receive your request and process the request within 24 business hours. Any approval authorized user(s) added to your account will receive their card within 7-10 business days at your address on file. If we are unable to fulfill your request, we will contact you.
  1. Call us at 888.800.3328
  2. Press 0 to speak with a team member who can assist you.
Please note this adjustment can take 24-48 business hours to be completed.
To keep your credit card account open and in good standing, you must pay at least the minimum payment amount indicated on your bill by the due date. Failing to do so can result in late fees and interest accruing on any outstanding balance unpaid.
You can perform a credit card balance transfer a few different ways. In Digital Banking:
  1. Go to “Card Management
  2. Select “Manage Your Cards” and select the card to balance transfer to.
  3. Click on "Manage Card"
  4. Once on the Card Managerpage, select the balance transfer
  5. Enter your balance transfer request with the following information:
    • Card Issuer Name
    • Account Number (as it appears on your bill)
    • Account Payment Mailing Address (the address of the card you wish to transfer from)
    • Transfer Amount
  6. Read the Disclosure and check the "I Agree" box.
  7. Click "Submit".
You may also call us at 888.800.3328 or make an appointment at a branch for more personal assistance with a balance transfer request.
Your credit card payment is due no later than the 4th day of each month. We will not charge you interest on purchases if you pay your entire statement balance in full by the due date each month.
Our current rates can be found on our public website here: https://www.firstent.org/files/disclosure_visa_schumer_box.pdf.
There are two easy ways for you to activate your credit card:
  1. Login to Digital Banking
  2. Click on “Card Management” and then “Manage Your Cards
  3. Select the credit card in your profile that needs activating and simply click the "Activate" button to activate.
You can also call 800.631.3197 to activate your card.

Personal Loans & Lines of Credit

To request a line of credit increase, you can apply through the following methods:
  1. Log in to your account via Digital Banking or our Mobile App and, under 'Open New Accounts,' select 'Apply for a Personal Loan.'
  2. Visit our website and click on 'Get A Loan.'
  3. Contact us directly at 888-800-3328, choose option 2, option 2, or schedule an appointment to visit one of our branches."
Co-signers are allowed on loans. For more detailed information please contact the credit union directly at 888-800-3328; option 2; option 2.
Yes, your payment history will be reported to all credit bureaus.
Loan applications can take up to 48 business hours to be decisioned. Please contact our Loan Experience Center at 888-800-3328; option 2; option 2 if you have any questions.
You may apply for a secured loan, or for any of our services, as soon as you join the Credit Union.  There is no waiting period.
 
If you applied online, you should have been provided with a loan number. Please enter that loan number to check on the status online.
Otherwise, you may call us at 888-800-3328 option 2; option 2.
You may make loan payments online or through the mobile app by transferring the payment from your First Entertainment savings or checking account.
  1. Once the funds are placed in your First Entertainment Savings or Checking click on “Transfer & Pay” tab.
  2. Click on “Transfer Money & Make Payments”.
  3. Click on “From Account” drop down menu and select the account you are trying to make a payment from.
  4. Click on “To Account” drop down menu and select the loan number you are trying to make a payment on.
  5.  Under “How Much” tab select payment type – this includes Regular Payment, Amount Due, Pay Off, Principal Only or Other.
  6. Select “When” drop down menu to either submit a one-time payment OR a recurring payment.
  7. Select the “Date” you want your payment to be processed.
  8. If you want to input a “Memo Description” such as August payment that is optional.
  9. Click on “Review Transfer”; a display box will pop up to verify the transfer information; click on “Submit Transfer”.
To make online loan payments from another financial institution, please add us as a payee to their online bill payment program.
There are a few options. Both members and prospective members can apply online through https://www.firstent.org as follows:
  1. Select the “Personal” on the homepage and under "CREDIT CARDS & LOANS", select "Personal Loans."
  2. Select the “Loan Type” and click on "LEARN MORE."
  3. Click on “APPLY NOW
  4. Begin your application process by filling out the requested information.
  5. Hit submit your application.
You can also apply by calling our Loan Experience Center at 888.800.3328 option 2 or by making an appointment at any one of our branches. Click on Book Appointment.
We do not have a minimum credit score for loan approval. A loan approval is determined by using various factors, not just a credit score.
There are no prepayment penalties on consumer loans.
The benefits of a Personal Line of Credit include...
  • Immediate access to cash
  • Transfer funds from Personal Line of Credit to checking account to cover debit card transactions
  • Revolving credit which means that the amount paid back becomes available again without reapplying for another loan
You can make payments in Digital Banking, by phone, or when you visit a branch. You can pay down the principal at any time without incurring fees. Or, set up Auto Pay to establish automatic monthly payments from any eligible First Entertainment account.

Vehicle Loans

Please make sure the credit union and CA DMV have your most up-to-date address.
If you currently have a vehicle financed with us, please update your address with the credit union and the CA DMV.
Guaranteed Asset Protection (GAP) helps protect members against financial loss if their GAP-protected vehicle is stolen or declared a total loss, easing members’ financial burden by waiving the difference between members’ primary insurance settlement and their vehicle loan balance on items directly related to the purchase of their vehicle. GAP Insurance can be purchased at the time of loan funding. For additional information please contact the credit union at 888-800-3328; option 2.
To obtain or view your loan payoff, please follow the steps below:
  1. Log into your Digital Banking app.
  2. Select the Accounts & eDocs tab.
  3. Click on View my Accounts.
  4. Choose the Loan you want to view.
  5. Then click on Account Details tab.
You may also contact us directly at 888-800-3328 option 2.
If you receive a paper title from the credit union once your loan has been paid off, please contact the Department of Motor Vehicles at your earliest convenience to remove First Entertainment Credit Union as a legal owner.
There are a few options. Both members and prospective members can apply online through https://www.firstent.org as follows:
  1. Select the “Personal” button on the homepage and click on "Vehicle Loans" under "CREDIT CARDS & LOANS"
  2. Under "Off-Road Vehicles", click on "LEARN MORE"
  3. Click “APPLY NOW
  4. Begin your application process by filling out the requested information.
  5. Hit submit your application.
You can also apply by calling our Loan Experience Center at 888.800.3328 option 2 or by making an appointment at any one of our branches. Click on Book Appointment.
There are a few options. Both members and prospective members can apply online through https://www.firstent.org as follows:
  1. Select the “Personal” button on the homepage and click on "Vehicle Loans" under "CREDIT CARDS & LOANS"
  2. Under "RV & Boat Loans", click on "LEARN MORE"
  3. Click “APPLY NOW
  4. Begin your application process by filling out the requested information.
  5. Hit submit your application.
You can also apply by calling our Loan Experience Center at 888.800.3328 option 2 or by making an appointment at any one of our branches. Click on Book Appointment.

There are a few options. Both members and prospective members can apply online through https://www.firstent.org as follows:

  1. Select the “Personal” button on the homepage and click on "Vehicle Loans" under "CREDIT CARDS & LOANS"
  2. Under "Motorcycle Loans", click on "LEARN MORE"
  3. Click “APPLY NOW
  4. Begin your application process by filling out the requested information.
  5. Hit submit your application.

You can also apply by calling our Loan Experience Center at 888.800.3328 option 2 or by making an appointment at any one of our branches. Click on Book Appointment.

There are a few options. Both members and prospective members can apply online through https://www.firstent.org as follows:
  1. Select the “Personal” button on the homepage and click on "Vehicle Loans" under "CREDIT CARDS & LOANS"
  2. Under "Auto Loans & Card Buying Services", click on "LEARN MORE"
  3. Click “APPLY NOW
  4. Begin your application process by filling out the requested information.
  5. Hit submit your application.
You can also apply by calling our Loan Experience Center at 888.800.3328 option 2 or by making an appointment at any one of our branches. Click on Book Appointment.
If the credit union holds an electronic title(paperless) the title will arrive directly from the Department of Motor Vehicle within 2-4 weeks. If the credit union holds a paper title, a paper title will be forwarded to you within 2 - 4 weeks. Please be sure to contact the Department of Motor Vehicle at your earliest convenience to remove First Entertainment Credit Union as the legal owner.