Interest Rates

Auto Loan Rates Effective as of October 19, 2020

Rates Effective as of June 1, 2020

CD Rates Effective: May 22, 2020

Auto Loans

Percentage Financed 36 month APR** as low as: 48 month APR** as low as: 60 month APR** as low as: 72 month APR** as low as: 1 84 month APR** as low as: 1
New Autos up to 125% financing 2.49% 2.74% 2.74% 3.24% 4.24%
Used Autos (Up to 10 Years Old) up to 125% financing 2.49% 2.74% 2.99% 3.24%

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1 Minimum $15,000 loan amount required for 72 month financing. Minimum $25,000 loan amount required for 84 month financing
Rate discounts are subject to change at any time. Rates are subject to change without notice.

Motorcycle Loans


New Motorcycle ³
Percentage Financed 100% financing
24 month APR** as low as: 5.49%
36 month APR** as low as: 6.12%
48 month APR** as low as: 6.87%
60 month APR** as low as: 7.74%
Used Motorcycle ⁴
Percentage Financed 100% financing
24 month APR** as low as: 7.49%
36 month APR** as low as: 8.12%
48 month APR** as low as: 8.87%
60 month APR** as low as:
Percentage Financed 24 month APR** as low as: 36 month APR** as low as: 48 month APR** as low as: 60 month APR** as low as:
New Motorcycle ³ 100% financing 5.49% 6.12% 6.87% 7.74%
Used Motorcycle ⁴ 100% financing 7.49% 8.12% 8.87%

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3 Maximum loan amount for new motorcycle loans is $45,000.00
4 Maximum loan amount for used motorcycle loans is $35,000.00.

Motorhome, Trailer and Boat 2


New Motorhome, Trailer, Boat ⁵
Percentage Financed 100% financing
72 month APR** as low as: 5.49%
84 month APR** as low as: 6.12%
96 month APR** as low as: 6.87%
120 month APR** as low as: 7.74%
Used Motorhome, Trailer, Boat ⁶
Percentage Financed 100% financing
72 month APR** as low as: 6.49%
84 month APR** as low as: 7.12%
96 month APR** as low as: 7.87%
120 month APR** as low as:
Percentage Financed 72 month APR** as low as: 84 month APR** as low as: 96 month APR** as low as: 120 month APR** as low as:
New Motorhome, Trailer, Boat ⁵ 100% financing 5.49% 6.12% 6.87% 7.74%
Used Motorhome, Trailer, Boat ⁶ 100% financing 6.49% 7.12% 7.87%

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2 Additional discounts may apply if LTV is below 100%
5 Maximum loan amount for new motorhome, trailer and boat loans is $85,000.00
6 Maximum loan amount for used motorhome, trailer and boat loans is $65,000.00
Total rate discount if qualifications are met is 1.00%. Rate discounts are subject to change at any time. Rates are subject to change without notice.

Personal Watercraft and All Terrain Vehicle

New Vehicle (7)
Percentage Financed 100% financing
24 month APR** as low as: 7.49%
36 month APR** as low as: 8.12%
48 month APR** as low as: 8.87%
60 month APR** as low as: 9.74%
Used Vehicle (8)
Percentage Financed 100% financing
24 month APR** as low as: 8.49%.
36 month APR** as low as: 9.12%
48 month APR** as low as: 9.87%
60 month APR** as low as:
Percentage Financed 24 month APR** as low as: 36 month APR** as low as: 48 month APR** as low as: 60 month APR** as low as:
New Vehicle (7) 100% financing 7.49% 8.12% 8.87% 9.74%
Used Vehicle (8) 100% financing 8.49% 9.12% 9.87%
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7 Maximum loan amount for new personal watercraft and all terrain vehicle loans is $25,000.00
8 Maximum loan amount for used personal watercraft and all terrain vehicle loans is $20,000.00
Total rate discount if qualifications are met is 1.00%. Rate discounts are subject to change at any time. Rates are subject to change without notice.

Signature Loans (Closed End)

Maximum loan amount $30,000
24 month APR** as low as: 9.99%
36 month APR** as low as: 10.49%
48 month APR** as low as: 10.99%
60 month APR** as low as: 11.49%
24 month APR** as low as: 36 month APR** as low as: 48 month APR** as low as: 60 month APR** as low as:
Maximum loan amount $30,000 9.99% 10.49% 10.99% 11.49%

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Rate discounts are subject to change at any time. Rates are subject to change without notice.

Furlough Loans (Closed End)

Maximum loan amount $10,000
36 month APR** as low as: 6.99%
36 month APR** as low as:
Maximum loan amount $10,000 6.99%

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Home Equity Line of Credit 9


Up to 80% Loan to Value
Maximum Loan Amount 80% financing
3 Year Intro APR** 4.75%
Variable APR** 4.75%
Up to 85% Loan to Value
Maximum Loan Amount 85% financing
3 Year Intro APR** 5.75%
Variable APR** 5.75%
Maximum Loan Amount 3 Year Intro APR** Variable APR**
Up to 80% Loan to Value 80% financing 4.75% 4.75%
Up to 85% Loan to Value 85% financing 5.75% 5.75%

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9 After three years, rate converts to then-current variable rate. Rate and payments adjust with each change in the Prime Rate. Interest-Only HELOC has 10-year draw period followed by 15-year full amortization period. Available on owner-occupied California properties only. Maximum possible APR** is 16.5% over the life of the loan.
Rates are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ.

Personal Line of Credit

Maximum loan amount $30,000
APR** as low as: 10.99%
APR** as low as:
Maximum loan amount $30,000 10.99%

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Credit Cards 10

Visa Platinum without rewards (no annual fee)
APR** as low as: 8.24%
Credit Limits up to $20,000
Visa Platinum with rewards (no annual fee)
APR** as low as: 10.24%
Credit Limits up to $20,000
Getting Started Visa Card (no annual fee)
APR** as low as: 14.24%
Credit Limits up to $2,000
Visa Share Secured
APR** as low as: 14.24%
Credit Limits up to $10,000
APR** as low as: Credit Limits
Visa Platinum without rewards (no annual fee) 8.24% up to $20,000
Visa Platinum with rewards (no annual fee) 10.24% up to $20,000
Getting Started Visa Card (no annual fee) 14.24% up to $2,000
Visa Share Secured 14.24% up to $10,000

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10 Credit Cards use Managed Prime Pricing: Unless an introductory rate is in effect, the periodic rate used to compute the interest charge for purchases is based on an index (the "Index"), which is the Prime Rate as published in The Wall Street Journal on the last business day of the month and is subject to change monthly on the first day of each month. Any change in the Index will be effective on the first day of the billing cycle that ends on or after the date of the change.

Share Secured Loans 11

Terms up to 120 months
APR** 6.00%
APR**
Terms up to 120 months 6.00%

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11 APR** will be 3% above highest rate on shares pledged as security or 6.0%, whichever is higher. Rates subject to change without notice. All loans subject to credit approval.

Certificate Secured Loan 12

Term cannot exceed certificate maturity date
APR** on collateral plus 3.00%
Minimum Rate 4.00%
APR** on collateral plus Minimum Rate
Term cannot exceed certificate maturity date 3.00% 4.00%

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12 Rates subject to change without notice. All loans subject to credit approval
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Fees or other conditions could reduce earnings on any of the accounts listed above. For all share, share draft, share IRA and Money Market Accounts we reserve the right to change the rate without notice.

Certificates and IRAs 13

Rates Effective as of May 22, 2020

Term
6 month
Minimum Opening Balance $2,500
Dividend Rate 0.15%
APY* 0.15%
Minimum Opening Balance
Dividend Rate
APY*
12 month
Minimum Opening Balance $2,500
Dividend Rate 0.30%
APY* 0.30%
Minimum Opening Balance
Dividend Rate
APY*
24 month
Minimum Opening Balance $2,500
Dividend Rate 0.40%
APY* 0.40%
Minimum Opening Balance
Dividend Rate
APY*
36 month
Minimum Opening Balance $2,500
Dividend Rate 0.50%
APY* 0.50%
Minimum Opening Balance
Dividend Rate
APY*
48 month
Minimum Opening Balance $2,500
Dividend Rate 0.55%
APY* 0.55%
Minimum Opening Balance
Dividend Rate
APY*
60 month
Minimum Opening Balance $2,500
Dividend Rate 0.60%
APY* 0.60%
Minimum Opening Balance
Dividend Rate
APY*
Term Minimum Opening Balance Dividend Rate APY*
6 month $2,500 0.15% 0.15%
12 month $2,500 0.30% 0.30%
24 month $2,500 0.40% 0.40%
36 month $2,500 0.50% 0.50%
48 month $2,500 0.55% 0.55%
60 month $2,500 0.60% 0.60%

 

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13 Minimum deposit for 3 month Term Certificate is $10,000. All other Regular Term Certificates have a minimum deposit of $2,500. Minimum deposit for IRA Term Certificate is $2,000. Substantial penalty for early withdrawal. 

Savings 14

Rates Effective as of April 1, 2020

ACCOUNTS Minimum to Open Minimum Average Daily Balance to earn Dividends Minimum Average Daily Balance to avoid fee Minimum Daily Balance to avoid fee Dividend Rate APY
Regular Share Savings $15 $15 - - 0.03% 0.03%
$10,000 + $15 $15 - - 0.03% 0.03%
Summer Salary and Sub-Shares $15 $25 - - 0.03% 0.03%
$10,000 + $15 $25 - - 0.03% 0.03%
Christmas Club $15 $25 - - 0.03% 0.03%
$10,000 + $15 $15 - - 0.03% 0.03%
Individual Retirement Accounts $25 $25 - - 0.03% 0.03%

 

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14 $10 membership fee is required for new members. 

Checking

Elite Checking15
Minimum to Open Account $15
Minimum Average Daily Balance to Earn Dividends $2,500
Dividend Rate 0.01%
APY* 0.01%
Minimum to Open Account Minimum Average Daily Balance to Earn Dividends Dividend Rate APY*
Elite Checking15 $15 $2,500 0.01% 0.01%

 

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15 If the average daily balance is $2,500 or more, the prospective Dividend Rate and APY shown above will be paid on the entire balance in the account.

 

Money Market Accounts 2

Rates Effective as of April 22,, 2020

Balance
$2,500
Minimum to Open $2,500
Minimum Average Daily Balance to Earn Specified Dividends $2,500
Minimum Average Daily Balance to Avoid Fee n/a
Minimum Daily Balance to Avoid Fee $2,500
Dividend Rate 0.05%
APY* 0.05%
$10,000
Minimum to Open $2,500
Minimum Average Daily Balance to Earn Specified Dividends $2,500
Minimum Average Daily Balance to Avoid Fee n/a
Minimum Daily Balance to Avoid Fee $2,500
Dividend Rate 0.05%
APY* 0.05%
$25,000
Minimum to Open $2,500
Minimum Average Daily Balance to Earn Specified Dividends $2,500
Minimum Average Daily Balance to Avoid Fee n/a
Minimum Daily Balance to Avoid Fee $2,500
Dividend Rate 0.05%
APY* 0.05%
$50,000
Minimum to Open $2,500
Minimum Average Daily Balance to Earn Specified Dividends $2,500
Minimum Average Daily Balance to Avoid Fee n/a
Minimum Daily Balance to Avoid Fee $2,500
Dividend Rate 0.05%
APY* 0.05%
$100,000
Minimum to Open $2,500
Minimum Average Daily Balance to Earn Specified Dividends $2,500
Minimum Average Daily Balance to Avoid Fee n/a
Minimum Daily Balance to Avoid Fee $2,500
Dividend Rate 0.05%
APY* 0.05%
Balance Minimum to Open Minimum Average Daily Balance to Earn Specified Dividends Minimum Average Daily Balance to Avoid Fee Minimum Daily Balance to Avoid Fee Dividend Rate APY*
$2,500 $2,500 $2,500 n/a $2,500 0.05% 0.05%
$10,000 $2,500 $2,500 n/a $2,500 0.05% 0.05%
$25,000 $2,500 $2,500 n/a $2,500 0.05% 0.05%
$50,000 $2,500 $2,500 n/a $2,500 0.05% 0.05%
$100,000 $2,500 $2,500 n/a $2,500 0.05% 0.05%

 

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