Interest Rates
Interest Rates
Rates effective as of January 4, 2019
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 | 1.99% | 2.24% | 2.99% | 3.74% | 4.74% |
| Used Autos (Up to 10 Years Old) | up to 125% financing | 2.49% | 3.12% | 3.87% | 4.74% |
1 Minimum $15,000 loan amount required for 72 month financing. Minimum $25,000 loan amount required for 84 month financing
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 ³ | 100% financing | 4.49% | 5.12% | 5.87% | 6.74% |
| Used Motorcycle ⁴ | 100% financing | 6.49% | 7.12% | 7.87% |
3 Maximum loan amount for new motorcycle loans is $45,000.00
4 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 2
| 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 | 4.49% | 5.12% | 5.87% | 6.74% |
| Used Motorhome, Trailer, Boat ⁶ | 100% financing | 5.49% | 6.12% | 6.87% |
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
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 ⁷ | 100% financing | 6.49% | 7.12% | 7.87% | 8.74% |
| Used Personal Watercraft, All Terrain Vehicle ⁸ | 100% financing | 7.49% | 8.12% | 8.87% |
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
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.
Signature Loans (Closed End)
| 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 | 10.99% | 11.49% | 11.99% | 12.49% |
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.
Furlough Loans (Closed End)
| 24 month APR** as low as: | |
|---|---|
| Maximum loan amount $10,000 | 3.90% |
Home Equity Line of Credit 9
| Maximum Loan Amount | 3 Year Intro APR** | Variable APR** | |
|---|---|---|---|
| Up to 80% Loan to Value | 80% financing | 5.75% | 5.75% |
| Up to 85% Loan to Value | 85% financing | 6.75% | 6.75% |
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
| APR** as low as: | |
|---|---|
| Maximum loan amount $30,000 | 11.99% |
Credit Cards 10
| APR** as low as: | Credit Limits | |
|---|---|---|
| Visa Platinum without rewards (no annual fee) | 10.49% | up to $20,000 |
| Visa Platinum with rewards (no annual fee) | 12.49% | up to $20,000 |
| Getting Started Visa Card (no annual fee) | 16.49% | up to $2,000 |
| Visa Share Secured | 16.49% | up to $10,000 |
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
| APR** | |
|---|---|
| Terms up to 120 months | 5.50% |
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
| APR** on collateral plus | Minimum Rate | |
|---|---|---|
| Term cannot exceed certificate maturity date | 3.00% | 4.00% |
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
| Term | Minimum Opening Balance | Dividend Rate | APY* |
|---|---|---|---|
| 6 month | $2,500 | 1.15% | 1.16% |
| $50,000 | 1.15% | 1.16% | |
| 12 month | $2,500 | 1.35% | 1.36% |
| $50,000 | 1.35% | 1.36% | |
| 24 month | $2,500 | 1.76% | 1.77% |
| $50,000 | 1.76% | 1.77% | |
| 36 month | $2,500 | 2.02% | 2.04% |
| $50,000 | 2.02% | 2.04% | |
| 48 month | $2,500 | 2.10% | 2.12% |
| $50,000 | 2.10% | 2.12% | |
| 60 month | $2,500 | 2.43% | 2.46% |
| $50,000 | 2.43% | 2.46% |
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. Special 18 month promotional rate effective for the first 18 months and rolls over to a 12 month certificate after initial term. Special 30 month promotional rate effective for the first 30 months and rolls over to a 24 month certificate after initial term.
18 month Certificate 18
| Term | Annual Percentage Yield | Annual Percentage Rate | Minimum deposit amount | Maximum deposit amount |
|---|---|---|---|---|
| 18 months | 3.00% | 2.96% | $2,500 | $250,000 |
183.00% Annual Percentage Yield (APY) when you open a personal 18 month time deposit account (Share Certificate) at a Camino Federal Credit Union branch with a minimum deposit of $2,500 up to $250,000 with money not presently on deposit with Camino Federal Credit Union. Annual Percentage Yield assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce account earnings. Limit one promotional rate Share Certificate per member. For more account information and terms and conditions governing your deposit accounts, see our Account Disclosure Rate Supplement and Schedule of Fees and Membership Agreement and Disclosure with Privacy Policy. Rate and term subject to change without notice.
Savings 14
| 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 | $15 - $9,999.99 | $15 | 0.05% | 0.05% |
| $10,000.00+ | $15 | 0.10% | 0.10% | |
| Summer Salary | $15 - $9,999.99 | $25 | 0.05% | 0.05% |
| $10,000.00+ | $25 | 0.10% | 0.10% | |
| Christmas Club | $15 - $9,999.99 | $25 | 0.05% | 0.05% |
| $10,000.00+ | $15 | 0.10% | 0.10% | |
| Individual Retirement Accounts | $25+ | $25 | .15% | .15% |
14 $10 membership fee is required for new members.
Checking
| Minimum to Open Account | Minimum Average Daily Balance to Earn Dividends | Dividend Rate | APY* | |
|---|---|---|---|---|
| Elite Checking15 | $15 | $2,500 | 0.03% | 0.03% |
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 16
| 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 | 0.30% | 0.30% |
| $10,000 - $24,999.99 | $2,500 | $2,500 | n/a | $2,500 | 0.35% | 0.36% |
| $25,000 - $49,999.99 | $2,500 | $2,500 | n/a | $2,500 | 0.40% | 0.41% |
| $50,000+ | $2,500 | $2,500 | n/a | $2,500 | 0.45% | 0.46% |
| $100,000+ | $2,500 | $2,500 | n/a | $2,500 | .50% | .51% |
16 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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