Rates

Rates

APY = Annual Percentage Yield. Rates effective as of August 1, 2015. Fees may reduce earnings.

Dividend Rates

Checking

Account Minimum Daily Balance to Earn APY Rate APY
Student Checking $750 0.05% 0.05%
Platinum Checking $2,000 0.05% 0.05%
Prestige Checking $2,000 0.05% 0.05%

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%

*Money Market dividends are compound daily and credited monthly.

Savings

AccountMinimum Daily Balance To Earn APYDividend RateAPY
Regular and Holiday Savings $100 0.05% 0.05%
Young Savers and Senior Savings $25 0.05% 0.05%
Traditional and Educational IRA Savings** $100 0.05% 0.05%

**Maintenance or activity fees associated with this account may reduce earnings. Dividends are credited on the last day of the month and compound monthly. Traditional IRA Savings $100, Educational IRA Savings $100, Traditional IRA Certificates $100.

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%

Penalties will be imposed for early withdrawal from Term Certificate accounts. Regular Share Certficates: $1,000 Minimum deposit to open.

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%

Penalties will be imposed for early withdrawal from Term Certificate accounts. $100 minimum deposit to open.

First Mortgage

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

Share Secured Loans

See Details
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

See Details
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 2.07% - 15.99%*
49 to 60 months $5,000 2.17% - 16.99%*
61 to 72 months $20,000 2.37% - 16.99%*
73 to 84 months $30,000 3.07% - 10.99%*
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: $21.65 per month per $1,000 borrowed at 1.89% 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 8.74% - 10.24%*
13 to 24 months $500 minimum 10.74% - 12.24%*
25 to 36 months $500 minimum 12.74% - 14.24%*
37 to 48 months $500 minimum 14.74% - 17.74%*
49 to 60 months $500 minimum 17.74%*
Green Home Improvement Loans (HILS)2 Up to 180 months $35,000 maximum 6.77%*
Debt Consolidation3 Up to 48 months $5,000 minimum 11.75%*
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: $87.35 per month for each $1,000 borrowed at 8.74% for 12 months.

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

3Loan payment example: $26.22 per month per $1,000 borrowed at 11.75% 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

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!