Rates

Rates effective as of January 3, 2017

Savings†

AccountAccount BalanceMinimum Average Daily Balance to Earn DividendsDividend RateAPY*
Membership Share Savings$0 - $9,999.99$150.05%0.05%
$10,000.00+$10,0000.10%0.10%
Regular Share Savings$0 - $9,999.99$150.05%0.05%
$10,000.00+$10,0000.10%0.10%
Summer Salary and Sub-Shares$0 - $9,999.99$250.05%0.05%
$10,000.00+$10,0000.10%0.10%
Christmas Club$0 - $9,999.99$250.05%0.05%
$10,000.00+$250.10%0.10%
Minimum to Open AccountMinimum Average Daily Balance to Earn DividendsDividend RateAPY*
SmartCheck Checking1$15$500+0.03%0.03%
Individual Retirement Accounts$25$250.15%0.15%

† $10 membership fee is required for new members.

†† Accounts with a balance less than $15.00 will be assessed a minimum balance fee of $1.00 per month.

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

Money Market Accounts2

BalanceMinimum to OpenMinimum Average Daily Balance to Earn Specified DividendsMinimum Average Daily Balance to Avoid FeeMinimum Daily Balance to Avoid FeeDividend RateAPY*
$2,500 - $9,999.99$2,500$2,500n/a$2,5000.07%0.07%
$10,000 - $24,999.99$2,500$10,000n/a$2,5000.10%0.10%
$25,000 - $49,999.99$2,500$25,000n/a$2,5000.15%0.15%
$50,000 - $99,999.99$2,500$50,000n/a$2,5000.20%0.20%
$100,000.00+$2,500$100,000n/a$2,5000.20%0.20%

2 Account is limited to six (6) withdrawals each month in any combination of automatic, telephone or pre-authorized transfers and check, debit card or similar transaction. Withdrawals made in a branch are not limited. Minimum deposit $2,500.

CDs and IRAs3

TermMinimum Opening BalanceDividend RateAPY*
6 month$2,5000.20%0.20%
$50,0000.25%0.25%
12 month$2,5000.30%0.30%
$50,0000.35%0.35%
24 month$2,5000.50%0.50%
$50,0000.60%0.60%
36 month$2,5000.75%0.75%
$50,0000.85%0.85%
48 month$2,5001.00%1.00%
$50,0001.09%1.10%
60 month$2,5001.29%1.30%
$50,0001.39%1.40%

Share Certificates have a minimum deposit of $2,500. Minimum deposit for IRA Term Certificate is $2,000. Substantial penalty for early withdrawal.

Auto Loans

Percentage Financed36 month APR** as low as:1448 month APR** as low as:1460 month APR** as low as:1472 month APR** as low as:4,14
New Autoup to 125% financing1.49%1.99%2.49%2.99%
Used Autos (2012 - 2014 Models)up to 125% financing2.49%2.99%3.49%3.99%
Used Autos (2005 - 2011 Models)up to 125% financing2.49%2.99%3.49%3.99%

4 Minimum $15,000 loan amount required for 72 month financing

14 Rates reflect a 0.25% basis point discount for a) Automatic debit from a Camino Checking account, b) Multiple Relationship discount with Camino Federal Credit Union b) Checking account, direct deposit, debit card, credit card, Online Banking, bill pay, or another type of loan (requirement is three (3) out of the seven (7) products/services). Total rate discount if qualifications are met is 0.50%. Rate discounts are subject to change at any time. Rates are subject to change without notice.

Motorcycle

Percentage Financed24 month APR as low as:36 month APR** as low as:48 month APR** as low as:60 month APR** as low as:
New Motorcycle5100% financing4.99%5.24%6.24%6.99%
Used Motorcycle6100% financing6.99%7.24%8.24%

5 Maximum loan amount for new motorcycle loans is $45,000.00

6 Maximum loan amount for used motorcycle loans is $35,000.00

Motorhome, Trailer and Boat

Percentage Financed72 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, Boat7100% financing4.99%5.24%6.24%6.99%
Used Motorhome, Trailer, Boat8100% financing5.99%6.24%7.24%
7 Maximum loan amount for new motorhome, trailer and boat loans is $85,000.00

8 Maximum loan amount for used motorhome, trailer and boat loans is $65,000.00

Personal Watercraft and All Terrain Vehicle

Percentage Financed24 month APR as low as:36 month APR** as low as:48 month APR** as low as:60 month APR** as low as:
New Personal Watercraft, All Terrain Vehicle9100% financing6.99%7.24%8.24%8.99%
Used Personal Watercraft, All Terrain Vehicle10100% financing7.99%8.24%9.24%

9 Maximum loan amount for new personal watercraft and all terrain vehicle loans is $25,000.00

10 Maximum loan amount for used personal watercraft and all terrain vehicle loans is $20,000.00


Home Equity Line of Credit11

3 Year Intro APR**Fully Indexed APR**
Up to 90% of equity4.50%5.00%

11 After three months, 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. Interest-only option available only during draw period. Available on owner-occupied California properties only. Maximum possible rate is 16.5% over the life of the loan.

Line of Credit

APR** as low as:
Maximum loan amount $15,00010.99%

Signature Loans (Closed End)

24 month APR** as low as:36 month APR** as low as:48 month APR** as low as:
Maximum loan amount $15,0009.99% 10.49%10.99%

Credit Cards12

APR** as low as:Credit Limits
Visa Platinum without rewards (no annual fee)8.74%up to $20,000
Visa Platium with rewards (no annual fee)10.74%up to $20,000
Getting Started Visa Card (no annual fee)14.74%up to $2,000
Visa Share Secured14.74%up to $10,000

12 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 Loans13

APR**
Terms up to 120 months5.50%

13 Rate will be 3% above highest rate on shares pledged as security or 6.00%, whichever is higher. Rates subject to change without notice. All loans subject to credit approval.

CD Secured Loan

Minimum Rate
Term cannot exceed CD maturity date4.00%

* APY = Annual Percentage Yield

**APR = Annual Percentage Rate

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.

Your funds are federally insured to at least $250,000 and backed by the full faith and credit of the United States government. The National Credit Union Administration, a U.S. government agency. Retirement accounts are separately insured by the NCUA up to $250,000.