Interest Rates

Rates effective as of January 3, 2017

 

 

Auto Loans

Percentage Financed 36 month APR** as low as: 5 48 month APR** as low as: 5 60 month APR** as low as: 5 72 month APR** as low as: 5 ¹³ 84 month APR** as low as: 5 ¹³
New Auto up to 125% financing 1.49% 1.99% 2.49% 2.99% 2.99%
Used Autos (Up to 10 Years Old) up to 125% financing 2.49% 2.99% 3.49% 3.99% 3.99%
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

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 ⁶ 110% financing 4.49% 4.99% 5.49% 5.99%
Used Motorcycle ⁷ 90% financing 6.49% 6.99% 7.49%
Maximum loan amount for new motorcycle loans is $45,000.00
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

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 ⁸ 110% financing 3.99% 4.24% 5.24% 5.99%
Used Motorhome, Trailer, Boat ⁹ 90% financing 4.99% 5.24% 6.24%
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

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 Personal Watercraft, All Terrain Vehicle ¹⁰ 110% financing 5.99% 6.24% 7.24% 7.99%
Used Personal Watercraft, All Terrain Vehicle ¹¹ 90% financing 6.99% 7.24% 8.24%
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

Maximum Loan Amount 3 Year Intro APR** Variable APR**
Up to 80% Loan to Value 80% financing 4.75% 4.75%
Up to 90% Loan to Value 90% financing 5.75% 5.75%
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

APR** as low as:
Maximum loan amount $50,000 10.99%

 

 

Signature Loans

24 month APR** as low as: 36 month APR** as low as: 48 month APR** as low as:
Maximum loan amount $50,000 9.99% 10.49% 10.99%
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

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

APR**
Terms up to 120 months 5.50%
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

Minimum Rate
Term cannot exceed CD maturity date 4.00%
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

Term Minimum Opening Balance Dividend Rate APY*
6 month $2,500 0.20% 0.20%
$50,000 0.25% 0.25%
12 month $2,500 0.30% 0.30%
$50,000 0.35% 0.35%
24 month $2,500 0.50% 0.50%
$50,000 0.60% 0.60%
36 month $2,500 0.75% 0.75%
$50,000 0.85% 0.85%
48 month $2,500 1.00% 1.00%
$50,000 1.09% 1.10%
60 month $2,500 1.29% 1.30%
$50,000 1.39% 1.40%
Minimum $15,000 loan amount required for 72 and 84 month financing.

 

 

Savings

Account Account Balance Minimum Average Daily Balance to Earn Dividends Dividend Rate APY*
Membership Share Savings $0 - $9,999.99 $15 0.05% 0.05%
$10,000.00+ $10,000 0.10% 0.10%
Regular Savings $0 - $9,999.99 $15 0.05% 0.05%
$10,000.00+ $10,000 0.10% 0.10%
Summer Salary $0 - $9,999.99 $25 0.05% 0.05%
$10,000.00+ $10,000 0.10% 0.10%
Christmas Club $0 - $9,999.99 $25 0.05% 0.05%
$10,000.00+ $25 0.10% 0.10%
$10 membership fee is required for new members.

 

 

Checking

Minimum to Open Account Minimum Average Daily Balance to Earn Dividends Dividend Rate APY*
SmartCheck Checking² $15 $500+ 0.03% 0.03%
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

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 - $9,999.99 $2,500 $2,500 n/a $2,500 0.07% 0.07%
$10,000 - $24,999.99 $2,500 $10,000 n/a $2,500 0.10% 0.10%
$25,000 - $49,999.99 $2,500 $25,000 n/a $2,500 0.15% 0.15%
$50,000+ $2,500 $50,000 n/a $2,500 0.20% 0.20%
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

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