Rates

Rates

Dividend Rates

Checking

Account Minimum Daily Balance to Earn APY* Rate APY
Student Checking1 $750 0.05% 0.05%
Platinum Checking2 $2,000 0.05% 0.05%
Prestige Checking3 $2,000 0.05% 0.05%

*APY = Annual Percentage Yield. The APY is fixed and subject to change.

1The minimum deposit required for you to open a Student Checking Account is $15. You must maintain a minimum daily balance of $750 in your account to obtain the Annual Percentage Yield stated on the Rate Schedule. Dividends will be compounded monthly and will be credited monthly. For the Student Checking Account the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for this example is February 1. The most recent dividend declaration date is reflected on the accompanying Rate and Fee Schedule.

2The minimum deposit required for you to open a Platinum Checking Account is $100. You must maintain a minimum daily balance of $200 to avoid the monthly service fee as stated on the Rate and Fee Schedule. You must maintain a minimum daily balance of $2,000 in your account to obtain the Annual Percentage Yield stated on the accompanying Rate and Fee Schedule. Dividends will be compounded monthly and will be credited monthly. For the Platinum Checking Account the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for this example is February 1. The most recent dividend declaration date is reflected on the accompanying Rate and Fee Schedule.

3The minimum deposit required for you to open a Prestige Checking Account is $1,000. You must maintain a minimum daily balance of $2,000 in your account to obtain the Annual Percentage Yield stated on the Rate Schedule. You must maintain a minimum daily balance of $1,000 in this account to avoid a service fee stated on the Rate and Fee Schedule. Dividends will be compounded monthly and will be credited monthly. For the Prestige Checking Account the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for this example is February 1. The most recent dividend declaration date is reflected on the accompanying Rate and Fee Schedule.

Rates effective as of August 1, 2015. Fees may reduce earnings

Money Market

See Details
Tier Minimum Daily Balance to Earn APY
Rate APY
Tier 1 $2,500 0.05% 0.05%
Tier 2
$10,000 0.10% 0.11%
Tier 3
$99,999+ 0.25% 0.26%

*APY = Annual Percentage Yield. The APY is fixed and subject to change. 

The minimum deposit required for you to open a Money Market Checking Account is $100. The minimum balance required to obtain the Annual Percentage Yield is indicated for each tier on the accompanying Rate and Fee Schedule. The dividend rate and the Annual Percentage Yield are based on the entire daily balance of the account. Dividends will be compounded daily and will be credited monthly. For the Money Market Checking Account the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for this example is February 1. The most recent dividend declaration date is reflected on the accompanying Rate and Fee Schedule.

Rates effective as of August 1, 2015. Fees may reduce earnings.

Savings

AccountMinimum Daily Balance To Earn APY*Dividend RateAPY
Regular and Holiday Savings1 $100 0.05% 0.05%
Young Savers and Senior Savings2 $25 0.05% 0.05%
Traditional and Educational IRA Savings3 $100 0.05% 0.05%

*APY = Annual Percentage Yield. The APY is fixed and subject to change. 

1The minimum deposit required for you to open a Regular or Holiday Savings Account is $25. You must maintain a minimum daily balance of $100 in this account to obtain the Annual Percentage Yield stated on the Rate Schedule. You must have a $25 minimum daily balance to avoid closure and a service fee as stated on the accompanying Rate and Fee Schedule. If the account is closed within 1 year from the date of opening, you will be subject to the closure fee stated on the Rate and Fee Schedule. Dividends will be compounded monthly and will be credited monthly. For the Regular Savings Account the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for this example is February 1. The most recent dividend declaration date is reflected on the accompanying Rate and Fee Schedule.

2The minimum deposit required for you to open a Young Savers Account and Senior Savings Account is $25. You must maintain a minimum daily balance of $25 in your account to obtain the Annual Percentage Yield stated on the Rate and Fee Schedule to avoid closure and a service fee as stated on the accompanying Rate and Fee Schedule. If the account is closed within 1 year from the date of opening, you will be subject to the closure fee stated on the Rate and Fee Schedule. Dividends will be compounded monthly and will be credited monthly. For the Young Savers Account and Senior Savings Account the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for this example is February 1. The most recent dividend declaration date is reflected on the accompanying Rate and Fee Schedule.

3The minimum deposit required for you to open an IRA Savings Account is $100. You must maintain a minimum daily balance of $100 in your account to obtain the Annual Percentage Yield stated on the Rate and Fee Schedule, to avoid closure and a service fee as stated on the Rate and Fee Schedule. Dividends will be compounded monthly and will be credited monthly. For the IRA Savings Account the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for this example is February 1. The most recent dividend declaration date is reflected on the accompanying Rate and Fee Schedule.

Rates effective as of August 1, 2015. Fees may reduce earnings.

Share Certificates

See Details
TermRateAPY
3 Month 0.10% 0.11%
6 Month 0.10% 0.11%
1 Year 0.20% 0.20%
18 Month 0.20% 0.20%
2 Year 0.20% 0.20%
3 Year 0.25% 0.26%
4 Year 0.25% 0.26%

APY = Annual Percentage Yield. The APY is fixed and subject to change. 

The minimum deposit required for you to open a Certificate Account is $1,000. You must maintain the original balance of $1,000 in your account to obtain the Annual Percentage Yield stated on the Rate Schedule, to avoid closure and a service fee as stated on the accompanying Rate and Fee Schedule. Maturity. Your account will mature as reflected on the Rate and Fee Schedule. The maturity date will be stated on the documentation provided to you at the time you open your account and on your statement. Our Certificate Accounts are designated fixed rate accounts on the Rate and Fee Schedule. You will be paid this rate and yield until maturity.

We may impose a penalty if you withdraw principal from your account before the maturity date. The penalty imposed shall be as follows: 1. If the qualifying period is one year or less, the member shall forfeit an amount equal to a) all dividends for 90 days on the amount withdrawn, or b) all dividends on the amount withdrawn since the date of issuance or renewal, whichever is less with a minimum equal to 7 days dividends, or c) if a withdrawal reduces the balance below the required minimum, the account shall be closed and a loss of dividends as in a or b above, whichever is less, will be assessed on the entire amount in the account. 2. If the qualifying period is more than one year, the member shall forfeit an amount equal to a) all dividends for 180 days on the amount withdrawn, or b) all dividends on the amount withdrawn since the date of issuance or renewal, whichever is less with a minimum equal to 7 days dividends, or c) if a withdrawal reduces the balance below the required minimum, the account shall be closed and a loss of dividends as in a or b above, whichever is less, will be assessed on the entire amount in the account.

Rates effective as of August 1, 2015. Fees may reduce earnings.

Rates

Traditional IRA Certificates

See Details
TermRateAPY
1 Year 0.20% 0.20%
18 Month 0.20% 0.20%
2 Year 0.20% 0.20%
3 Year 0.25% 0.26%
4 Year 0.25% 0.26%

APY = Annual Percentage Yield. The APY is subject to change. 

The minimum deposit required for you to open an IRA Certificate Account is $1,000. You must maintain the original balance of $1,000 in your account to obtain the Annual Percentage Yield stated on the Rate Schedule, to avoid closure and a service fee as stated on the accompanying Rate and Fee Schedule. Dividends will be compounded monthly and will be credited monthly and at maturity. If you close your account before dividends are credited, you will not receive accrued dividends.

We may impose a penalty if you withdraw principal from your account before the maturity date. The penalty imposed shall be as follows: 1. If the qualifying period is one year or less, the member shall forfeit an amount equal to a) all dividends for 90 days on the amount withdrawn, or b) all dividends on the amount withdrawn since the date of issuance or renewal, whichever is less with a minimum equal to 7 days dividends, or c) if a withdrawal reduces the balance below the required minimum, the account shall be closed and a loss of dividends as in a or b above, whichever is less, will be assessed on the entire amount in the account. 2. If the qualifying period is more than one year, the member shall forfeit an amount equal to a) all dividends for 180 days on the amount withdrawn, or b) all dividends on the amount withdrawn since the date of issuance or renewal, whichever is less with a minimum equal to 7 days dividends, or c) if a withdrawal reduces the balance below the required minimum, the account shall be closed and a loss of dividends as in a or b above, whichever is less, will be assessed on the entire amount in the account.

Rates effective as of August 1, 2015. Fees may reduce earnings.

First Mortgage

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Call (888) 879-0556 or click HERE for details or to apply

Share Secured Loans

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Type Term Minimum Amount APR
Share1 Up to 48 months $500 Share Rate +4.25%*
Share Certificate2 Maximum term to coincide with maturity date of the Share Certificate $500 Certificate Rate +4.25%**

1 Up to 100% of balance of pledge amount.

*Annual Percentage Rates (APR) are subject to change without notice. All loans subject to credit approval. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Call for details. Loan payment example: $22.72 per month per $1,000 borrowed at 4.30% for 48 months.

2 Up to 100% of balance of Share Certificate.

**Annual Percentage Rates (APR) are subject to change without notice. All loans subject to credit approval. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Call for details. Loan payment example: $22.81 per month per $1,000 borrowed at 4.50% for 48 months.

Visa

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Type Limit Range APR
Gold $5,000 - $25,000

9.99% - 10.50%*

Classic $500 - $4,999

12.95% - 13.75%*

Student Classic $500 - $1,500

12.95% - 13.75%*

Premium Secured $500 - $3,000
(110% of shares pledged)

7.99%*

*Annual Percentage Rates (APR) are subject to change without notice. All loans subject to credit approval. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Call for details. No Annual Fee. Fixed Rates. For additional disclosures click HERE.

New & Used Vehicle Loans

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Type Term Minimum Amount APR
Auto Loans1 0 to 48 months $5,000 2.95% - 15.99%*
49 to 60 months $5,000 3.05% - 16.99%*
61 to 72 months $20,000 3.25% - 16.99%*
73 to 84 months $30,000 3.95% - 11.09%*
RV & Boat Loans2 0 to 60 months $5,000 7.27% - 15.00%*
61 to 72 months $20,000 7.57% - 10.25%*
73 to 84 months $30,000 8.27% - 11.00%*
85 to 120 months $30,000 9.27% - 15.00%*
Motorcycle Loans New3 0 to 48 months $5,000 7.25% - 10.00%*
49 to 60 months $5,000 7.50% - 10.25%*
Motorcycle Loans Used 0 to 48 months $5,000 7.50% - 10.25%*
49 to 60 months $5,000 7.75% - 10.50%*

*APR = Annual Percentage Rate

1 NEW auto loan financing up to 120% MSRP, plus tax, title, licensing, GAP, MBI. USED auto loan financing up to 115% KBB retail, plus tax, title, licensing, GAP, MBI. Auto considered NEW if current or prior model year with less than 12,000 miles. Maximum age of a USED auto cannot exceed eight (8) model years or exceed 96K miles and must have a minimum KBB Low Book of $5,000. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Call for details. Additional discounts may apply. Loan payment example: $22.12 per month per $1,000 borrowed at 2.95% for 48 months.

2 Financing up to 90% MSRP on NEW RVs/Boats and 80% Nada Guides Retail Value on USED RVs/Boats. Loan payment example: $19.93 per month per $1,000 borrowed at 7.25% for 60 months.

3 Financing up to 90% MSRP on NEW Motorcycle and 80% Nada Guides Retail Value on USED Motorcycle (4 years and newer). Loan payment example: $19.93 per month per $1,000 borrowed at 7.25% for 60 months.

Unsecured Loans

Type Term Amount APR
Signature1 0 to 12 months $500 minimum 8.77% - 10.27%*
13 to 24 months $500 minimum 10.77% - 12.27%*
25 to 36 months $500 minimum 12.77% - 14.27%*
37 to 48 months $500 minimum 14.77% - 17.77%*
49 to 60 months $500 minimum 17.77%*
Green Home Improvement Loans (HILS)2 Up to 180 months $35,000 maximum 6.77%*
Debt Consolidation3 Up to 48 months $5,000 minimum 11.77%*
Line of Credit - Adjustable Variable Rate Revolving $25,000 maximum 11th District COFI + 8.25%*

*APR = Annual Percentage Rate. All loans subject to credit approval. Rates vary with terms and credit worthiness and are subject to change without notice. Maximum amount of unsecured credit that may be extended to any member is $35,000 including credit card, line of credit, individual or joint unsecured loans based on credit worthiness.

1Payment example: $87.37 per month for each $1,000 borrowed at 8.77% for 12 months.

2Loan payment example: $23.67 per month for each $1,000 borrowed at 6.50% for 48 months.

3Loan payment example: $26.23 per month per $1,000 borrowed at 11.77% for 48 months.

Home Equity Line of Credit

See Details
Term Minimum Amount APR
Up to 20 years $10,000 5.00% - 16.00%*

*APR = Annual Percentage Rate. Minimum APR is 5% after the promotional introductory period. Your APR can change quarterly on the first day of January, April, July, and October based on the cost of funds index for the 11th FHLB District Savings Institution rounded to the nearest .125% plus a margin. There is no limit on the amount by which the APR can change during any one-year period. The maximum APR that may be charged is 16%.

The credit union reserves the right to determine collateral value based on industry recognized guides or full appraisal.

Tax Loans

Call (510) 647-2126 for details!