Effective as of: November 1, 2024
APR = Annual Percentage Rate
New and Used Vehicle Loans (2018 and Newer)
Cars and trucks, 2018 and newer, registered in California. Up to 115% of MSRP plus warranty and GAP (new). Up to 115% of retail Kelley Blue Book plus warranty and GAP (used). Member's credit history determines loan-to-value ratio (LTV). Your rate is determined by your credit history and how long you finance your loan.
| Term | Best Annual Percentage Rate* |
|---|---|
| Up to 60 Months |
as low as 5.89% |
| 61 - 84 Months |
as low as 6.39% |
Used Vehicle Loans (2014 - 2017)
Cars and trucks, 2014-2017, registered and titled in California. Based on credit history. Up to 115% of retail Kelley Blue Book, plus warranty and GAP. Amount of warranty financing is determined by vehicle type.
| Term | Best Annual Percentage Rate* |
|---|---|
| Up to 60 Months |
as low as 6.49% |
| 61 - 84 Months |
as low as 6.99% |
Boats, RVs, Travel Trailers Loans (2018 and Newer)
Boats, RVs, Travel Trailers, etc. registered and titled in California. For RVs, beyond 84 months, add .25% for each additional year, not to exceed 120 months. Rate reducing options do not apply to terms exceeding 84 months.
| Term | Best Annual Percentage Rate* |
|---|---|
| Up to 60 Months |
as low as 5.89% |
| 61 - 84 Months |
as low as 6.39% |
Boats, RVs, Travel Trailers, etc. (2014 - 2017)
Boats, RVs, Travel Trailers, etc. registered and titled in California. For RVs, beyond 84 months, add .25% for each additional year, not to exceed 120 months. Rate reducing options do not apply to terms exceeding 84 months.
| Term | Best Annual Percentage Rate* |
|---|---|
| Up to 60 Months |
as low as 6.49% |
| 61 - 84 Months |
as low as 6.99% |
Motorcycle Purchase
New up to 100% of purchase price. Used up to 100% of retail KBB 2018 and newer.
| Term | Best Annual Percentage Rate* |
|---|---|
| Up to 60 Months | as low as 7.74% |
Houseboats/Yachts (2018 and Newer)
Up to 80% of purchase price for new. Up to 80% of appraisal/evaluation value for used. Follow all other conditions as defined under New and Used Vehicles Loans. Rate reducing options do not apply to terms exceeding 84 months. Ask for details on rates and terms for houseboats/yachts 2014-2017.
| Term | Best Annual Percentage Rate* |
|---|---|
| Up to 60 Months |
as low as 6.14% |
| 61 - 84 Months |
as low as 6.64% |
Personal Loans
Your rate is determined by your credit history. Minimum payment $35 per month.
| Amount | Term | Annual Percentage Rate |
|---|---|---|
| Up to $40,000 | up to 60 Months | as low as 12.75% |
Energy Efficient Loan
*APR=annual percentage rate based on credit history and includes rate reducing option of .25% for automatic transfer or payroll deduction. Example payment: 84 month loan at 6.99% APR is $15.10 per $1000 borrowed. The Amount to be borrowed is determined by your credit history. Must own the home and be your primary residence. Purchases must be energy efficient. Equal Housing Lender. Rates, terms and conditions subject to change.
| Amount | Term | Best Annual Percentage Rate* |
|---|---|---|
| Up to $40,000 | up to 84 Months | as low as 6.99% |
| Up to $40,000 | 85 - 180 Months | as low as 7.50% |
VISA
No Annual Fee, 25-Day Grace Period on Purchases, 2% of the balance due, or minimum payment of $25 per month.
| Type | Visa Credit Card Agreement | Annual Percentage |
|---|---|---|
| Share Secured - Limit based on amount pledged in member’s regular share account (0001), not to exceed $20,000 | Visa Share Secured Credit Card Disclosure | 8.25% |
| Classic - Limit up to $20,000 (based on credit history) | Visa Classic Credit Card Disclosure | 10.75% |
| Student VISA - Limit $300 to $500 | Visa Student Credit Card Disclosure | 14.50% |
Share Secured Loans
Minimum rate on loan secured by Term Savings, will not go lower than share secured rate.
| Type | Term | Annual Percentage Rate |
|---|---|---|
| Regular Savings (minimum of $1000) | Up to 36 Months | 3.75% |
| Term Savings | 3.00% above term rate |
Checking Credit Line: (Overdraft Protection)
Payment 2% of approved credit limit per month, regardless of balance with a minimum payment of $25 per month.
| Term | Annual Percentage Rate |
|---|---|
| Revolving | 12.00% |
Health Savings Account (HSA) Loan
Up to $4,150 individual coverage and up to $8,300 family coverage. Over age 55 additional $1000 can be borrowed. Your rate is determined by your credit history. Minimum payment $35 per month.
| Term | Annual Percentage Rate |
|---|---|
| Up to 24 Months | as low as 9.00% |
| Best Rate* |
|---|
| To get the "Best" interest rate you must set up your loan on automatic payment or payroll deduction to reduce your rate by .25%. The "Best" interest rate is based on your credit history when applying for a new or used vehicle, boat, RV or travel trailers. |
Make an Appointment with a Loan Officer
We know life gets busy, so next time you need to meet with a loan officer, make the process quicker and schedule an appointment for a time that's right for you. Click the button below to find out the different ways to make an appointment with a loan officer.
(Rates and options subject to change by Board Action. In no instance will your rate be higher than 18%. All rates are subject to approved credit.)
We're Here For You!
Ready for a new ride? Our loan officers can help you with the swerves and curves of financing a new or new-to-you vehicle! We’ll get you where you need to go in no time!
Need help covering your loved ones’ unexpected healthcare expenses from a high deductible health insurance? We can help with our health savings account loan!
Whether you want to become a homeowner or use your home’s equity to your advantage, our loan officers can help you finance the mortgage loan that’s right for you & your loved ones!