Interest Rates

Rates effective as of January 3, 2017

 

 

Auto Loans

⁵ Minimum $15,000 loan amount required for 72 and 84 month financing

¹³ Rates reflect a 0.25% 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 Loans

⁶ Maximum loan amount for new motorcycle loans is $45,000.00

⁷ Maximum loan amount for used motorcycle loans is $35,000.00

Rates reflect a 0.25% 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.

 

 

Motorhome, Trailer and Boat

⁸ Maximum loan amount for new motorhome, trailer and boat loans is $85,000.00
⁹ Maximum loan amount for used motorhome, trailer and boat loans is $65,000.00

Rates reflect a 0.25% 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), and a .50% discount for c) 30% down payment. 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

¹⁰ Maximum loan amount for new personal watercraft and all terrain vehicle loans is $25,000.00
¹¹ Maximum loan amount for used personal watercraft and all terrain vehicle loans is $20,000.00

Rates reflect a 0.25% 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), and a .50% discount for c) 30% down payment. 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.

 

 

Home Equity Line of Credit

¹² After 36 month Introductory Period, rate converts to then-current variable rate. Variable rate and payments adjust with each change in the Prime Rate after the Introductory Period. The HELOC has 10-year draw period followed by 15-year full amortization period for repayment. Available on owner-occupied California properties only. Maximum possible rate 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

 

 

Signature Loans

Rates reflect a 0.25% 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.

 

 

Credit Cards

¹³ 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

¹⁴ Rate will be 3% above highest rate on shares pledged as security or 5.50%, whichever is higher. Rates subject to change without notice. All loans subject to credit approval.

 

 

CD Secured Loan

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.

 

 

CDs and IRAs

⁴ Minimum $15,000 loan amount required for 72 and 84 month financing.

 

 

Savings

$10 membership fee is required for new members.

 

 

Checking

² 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 Accounts

³ 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.

 

 

* APY = Annual Percentage Yield

 **APR = Annual Percentage Rate