Current Loan Rates > As of

New Auto Rates
Term
APR*
Payment
Up to 84 months
as low as 2.99%
60 mo. payment of $19.72 to $21.49 per $1,000 borrowed. Rate includes .25% APR discount for automatic payment or direct deposit.
Used Auto Rates
Term
APR*
Payment
Up to 84 months
as low as 3.99%
60 mo. payment of $20.21 to $26.98 per $1,000 borrowed. Rate includes .50% APR discount for automatic payment or direct deposit.
RV, Motorcycles and Recreational Vehicles
Term
APR*
Payment
New
(up to 84 months)
as low as 6.25%
60 mo. payment of $19.44 to $23.38 per $1,000 borrowed.
Used
(up to 84 months)
as low as 6.75%
60 mo. payment of $19.68 to $23.90 per $1,000 borrowed.
Unsecured Loan and Line of Credit
Term
APR*
Payment
Financing/Repayment term up to 48 months
as low as 10.99%
48 mo. payment of $25.84 to $33.15 per $1,000 borrowed.
Visa Cards
Card Type
APR*
Daily Periodic Rate
Visa Platinum
as low as 8.70%
.0238%
25 Day Grace Period / No Annual Fee
 

Download the VISA disclosure and agreement PDF

1st Trust Deed
Term
Origination Fees
APR*
Points
3/1 ARM
.50%
3.875%
.50%
5/1 ARM 1.00% 4.375% 1.00%
10 year, fixed rate 1.00% 3.500% 0
15 year, fixed rate 1.00% 3.675% 0
30 year, fixed rate 1.00% 4.375% 0
10 year, fixed rate 1.00% 3.375% 1.00%
15 year, fixed rate 1.00% 3.500% 1.00%
30 year, fixed rate 1.00% 4.200% 1.00%

 

2nd Trust Deed
Term
APR* Points
15 Years - fixed rate
6.875%
1.00%

Maximum loan amount $125,000. No application fee.

Home Equity Line of Credit (HELOC)
APR*
Introductory rate (first 6 months)
3.99%
90% LTV 5.00%
80% LTV 5.00%
70 % LTV 5.00%

Minimum $10,000; Maximum $125,000.

Non-Owner Occupied Property
Term
APR*
Points
70% LTV
6.875%
.50% - 1.00%

California property only. Amounts up to $417,000

Share Secured
60 months
95% of shares
2.00% over share dividend
72 months
95% of shares
3.00% over share dividend
120 months
95% of shares
4.00% over share dividend
Certificate term
90% of certificate
3.00% over share dividend

 

Real Estate Loans
LTV=Loan to Value. All rates and points are subject to change at any time. Certain rate and/or point adjustments may apply depending on loan features. All rates quoted assume a 45 day rate lock. Longer or shorter rate lock periods are available. Rates are based on member's debt ratio. California property only. Rates are based on LIBOR Rate Index. Annual cap is 2.0%; 6.0% maximum.

Consumer Loans
All loans are subject to credit approval, FICO credit score, equity and income qualifications. Rates quoted are the lowest rate possible for qualified borrowers and are subject to change. The applicant's loan rate may be higher based upon their personal recorded credit experience.

*APR=Annual Percentage Rate. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

 

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