Interest Rates Effective as of 2020 | Camino Federal Credit Union

Auto Loans

*^{Rates Effective as of April 1, 2021}*

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

Auto Loans

*^{Rates Effective as of April 1, 2021}*
	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%

Apply for an Auto Loan

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

*^{Rates Effective as of April 1, 2021}*

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:

Motorcycle Loans

*^{Rates Effective as of April 1, 2021}*
	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%

Apply for a Motorcycle Loan

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

*^{Rates Effective as of April 1, 2021}*

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:

Motorhome, Trailer and Boat ²

*^{Rates Effective as of April 1, 2021}*
	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%

Apply for a Motorhome, Trailer, or Boat Loan

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

*^{Rates Effective as of April 1, 2021}*

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:

Personal Watercraft and All Terrain Vehicle

*^{Rates Effective as of April 1, 2021}*
	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%

Apply for a Vehicle Loan

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)

*^{Rates Effective as of April 1, 2021}*

Maximum loan amount $30,000
24 month APR** as low as:	7.99%
36 month APR** as low as:	8.49%
48 month APR** as low as:	8.99%
60 month APR** as low as:	9.49%

Signature Loans (Closed End)

*^{Rates Effective as of April 1, 2021}*
	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	7.99%	8.49%	8.99%	9.49%

Apply for a Signature Loan

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

Furlough Loans (Closed End)

*^{Rates Effective as of April 1, 2021}*

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

Furlough Loans (Closed End)

*^{Rates Effective as of April 1, 2021}*
	36 month APR** as low as:
Maximum loan amount $10,000	6.99%

Apply for a Furlough Loan

Home Equity Line of Credit ⁹

*^{Rates Effective as of April 1, 2021}*

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%

Home Equity Line of Credit ⁹

*^{Rates Effective as of April 1, 2021}*
	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%

Apply for a Home Equity Line of Credit

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

*^{Rates Effective as of April 1, 2021}*

Maximum loan amount $30,000
APR** as low as:	8.99%

Personal Line of Credit

*^{Rates Effective as of April 1, 2021}*
	APR** as low as:
Maximum loan amount $30,000	8.99%

Apply for a Personal Line of Credit

Credit Cards ¹⁰

*^{Rates Effective as of March 25, 2022}*

Visa Platinum without rewards (no annual fee)
APR** as low as:	8.49%
Credit Limits	up to $20,000
Visa Platinum with rewards (no annual fee)
APR** as low as:	10.49%
Credit Limits	up to $20,000
Getting Started Visa Card (no annual fee)
APR** as low as:	14.49%
Credit Limits	up to $2,000
Visa Share Secure
APR** as low as:	14.49%
Credit Limits	up to $10,000

Credit Cards ¹⁰

*^{Rates Effective as of March 25, 2022}*
	APR** as low as:	Credit Limits
Visa Platinum without rewards (no annual fee)	8.49%	up to $20,000
Visa Platinum with rewards (no annual fee)	10.49%	up to $20,000
Getting Started Visa Card (no annual fee)	14.49%	up to $2,000
Visa Share Secure	14.49%	up to $10,000

Apply Now

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 Secure Loans ¹¹

*^{Rates Effective as of April 1, 2021}*

Terms up to 120 months
APR**	6.00%

Share Secure Loans ¹¹

*^{Rates Effective as of April 1, 2021}*
	APR**
Terms up to 120 months	6.00%

Open a Share Secure Loans Account

*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

*^{Rates Effective as of April 1, 2021}*

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

Certificate Secured Loan ¹²

*^{Rates Effective as of April 1, 2021}*
	APR** on collateral plus	Minimum Rate
Term cannot exceed certificate maturity date	3.00%	4.00%

Open a Certificate Secured Loan Account

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 24th, 2021}*
Term
6 month
Minimum Opening Balance	$2,500
Dividend Rate	0.03%
APY*	0.03%

Minimum Opening Balance
Dividend Rate
APY*
12 month
Minimum Opening Balance	$2,500
Dividend Rate	0.03%
APY*	0.03%

Minimum Opening Balance
Dividend Rate
APY*
24 month
Minimum Opening Balance	$2,500
Dividend Rate	0.15%
APY*	0.15%

Minimum Opening Balance
Dividend Rate
APY*
36 month
Minimum Opening Balance	$2,500
Dividend Rate	0.20%
APY*	0.20%

Minimum Opening Balance
Dividend Rate
APY*
48 month
Minimum Opening Balance	$2,500
Dividend Rate	0.30%
APY*	0.30%

Minimum Opening Balance
Dividend Rate
APY*
60 month
Minimum Opening Balance	$2,500
Dividend Rate	0.30%
APY*	0.30%

Minimum Opening Balance
Dividend Rate
APY*

Certificates and IRAs ¹³

*^{Rates Effective as of May 24th, 2021}*
Term	Minimum Opening Balance	Dividend Rate	APY*
6 month	$2,500	0.03%	0.03%

12 month	$2,500	0.03%	0.03%

24 month	$2,500	0.15%	0.15%

36 month	$2,500	0.20%	0.20%

48 month	$2,500	0.30%	0.30%

60 month	$2,500	0.30%	0.30%

Open a Certificates and IRAs 13 Account

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 May 24th, 2021}*
ACCOUNTS
Regular Share Savings
Minimum to Open	$15
Minimum Average Daily Balance to Earn Dividends	$15
Minimum Average Daily Balance to Avoid Fee	-
Minimum Daily Balance to Avoid Fee	-
Dividend Rate	0.03%
APY*	0.03%
$10,000 +
Minimum to Open	$15
Minimum Average Daily Balance to Earn Specified Dividends	$15
Minimum Average Daily Balance to Avoid Fee	-
Minimum Daily Balance to Avoid Fee	-
Dividend Rate	0.03%
APY*	0.03%
Summer Salary and Sub-Shares
Minimum to Open	$15
Minimum Average Daily Balance to Earn Specified Dividends	$25
Minimum Average Daily Balance to Avoid Fee	-
Minimum Daily Balance to Avoid Fee	-
Dividend Rate	0.03%
APY*	0.03%
$10,000 +
Minimum to Open	$15
Minimum Average Daily Balance to Earn Specified Dividends	$25
Minimum Average Daily Balance to Avoid Fee	-
Minimum Daily Balance to Avoid Fee	-
Dividend Rate	0.03%
APY*	0.03%
Christmas Club
Minimum to Open	$15
Minimum Average Daily Balance to Earn Specified Dividends	$25
Minimum Average Daily Balance to Avoid Fee	-
Minimum Daily Balance to Avoid Fee	-
Dividend Rate	0.03%
APY*	0.03%
$10,000 +
Minimum to Open	$15
Minimum Average Daily Balance to Earn Specified Dividends	$15
Minimum Average Daily Balance to Avoid Fee	-
Minimum Daily Balance to Avoid Fee	-
Dividend Rate	0.03%
APY*	0.03%
Individual Retirement Accounts
Minimum to Open	$25
Minimum Average Daily Balance to Earn Specified Dividends	$25
Minimum Average Daily Balance to Avoid Fee	-
Minimum Daily Balance to Avoid Fee	-
Dividend Rate	0.03%
APY*	0.03%

Savings ¹⁴

*^{Rates Effective as of May 24th, 2021}*
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%

Open a Savings Account

¹⁴ $10 membership fee is required for new members.

Checking

*^{Rates Effective as of May 24th, 2021}*

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

Checking

*^{Rates Effective as of May 24th, 2021}*
	Minimum to Open Account	Minimum Average Daily Balance to Earn Dividends	Dividend Rate	APY*
Elite Checking¹⁵	$15	$2,500	0.01%	0.01%

Open a Checking Account

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 May 24th, 2021}*
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	0.03%
APY*	0.03%
$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	0.03%
APY*	0.03%
$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	0.03%
APY*	0.03%
$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	0.03%
APY*	0.03%
$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	0.03%
APY*	0.03%

Money Market Accounts ²

*^{Rates Effective as of May 24th, 2021}*
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	0.03%	0.03%
$10,000	$2,500	$2,500	n/a	$2,500	0.03%	0.03%
$25,000	$2,500	$2,500	n/a	$2,500	0.03%	0.03%
$50,000	$2,500	$2,500	n/a	$2,500	0.03%	0.03%
$100,000	$2,500	$2,500	n/a	$2,500	0.03%	0.03%

Open a Money Market Account

Rates

Loans and Interest Rates

Auto Loans

Auto Loans

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

Motorcycle Loans

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

Motorhome, Trailer and Boat 2

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

Personal Watercraft and All Terrain Vehicle

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)

Signature Loans (Closed End)

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

Furlough Loans (Closed End)

Furlough Loans (Closed End)

Home Equity Line of Credit 9

Home Equity Line of Credit 9

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

Personal Line of Credit

Credit Cards 10

Credit Cards 10

Share Secure Loans 11

Share Secure Loans 11

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

Certificate Secured Loan 12

Certificates and IRAs 13

Certificates and IRAs 13

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

Savings 14

14 $10 membership fee is required for new members.

Checking

Checking

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

Money Market Accounts 2

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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

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

Motorhome, Trailer and Boat ²

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

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

Home Equity Line of Credit ⁹

Home Equity Line of Credit ⁹

Credit Cards ¹⁰

Credit Cards ¹⁰

Share Secure Loans ¹¹

Share Secure Loans ¹¹

*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

Certificate Secured Loan ¹²

Certificates and IRAs ¹³

Certificates and IRAs ¹³

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

Savings ¹⁴

¹⁴ $10 membership fee is required for new members.

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

Money Market Accounts ²