APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 30, 2021. Fees may reduce earnings.

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%

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.

Money Market Learn More

Tier Minimum Daily Balance to Earn APY Rate APY
Tier 1 $2,500 0.05% 0.05%
Tier 2 $10,000 0.05% 0.05%
Tier 3 $100,000 0.20% 0.22%

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.

Savings

Account Minimum Daily Balance To Earn APY Rate APY
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%

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.

Share Certificates Learn More

Term Rate APY
12 Months 2.96% 3.00%
18 Months 3.34% 3.39%
24 Months 3.36% 3.69%
36 Months 3.36% 3.69%
48 Months 3.36% 3.69%

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 12/08/2022

Traditional IRA Certificates Learn More

Term Rate APY
12 Months 2.96% 3.00%
18 Months 3.34% 3.39%
24 Months 3.63% 3.69%
36 Months 3.63% 3.69%
48 Months 3.63% 3.69%

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 12/08/2022

ROTH IRA

Term Rate APY
12 Months 2.96% 3.00%
18 Months 3.34% 3.39%

The APY is subject to change. 

The minimum deposit required for you to open a ROTH 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 12/08/2022

SEP IRA Certificates

Term Rate APY
12 Months 2.96% 3.00%
18 Months 3.34% 3.39%

The APY is subject to change. 

The minimum deposit required for you to open a SEP 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 12/08/2022

First Mortgage

Learn More

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

Share Secured Loans Learn More

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 Credit Cards Learn More

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

9.99%*

Classic $500 - $4,999

12.95%*

Student Classic $500 - $1,500

9.99%*

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 read Application Solicitation Disclosure PDF and credit card agreement PDF.

Home Equity Line of Credit Learn More

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!