Loans and Interest Rates
New Autos | |
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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: |
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% |
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.
New Motorcycle ³ | |
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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: |
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% |
3 Maximum loan amount for new motorcycle loans is $45,000.00
4 Maximum loan amount for used motorcycle loans is $35,000.00.
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: |
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% |
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.
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: |
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% |
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.
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% |
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% |
Rate discounts are subject to change at any time. Rates are subject to change without notice.
Maximum loan amount $10,000 | |
---|---|
36 month APR** as low as: | 6.99% |
36 month APR** as low as: | |
---|---|
Maximum loan amount $10,000 | 6.99% |
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% |
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% |
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.
Maximum loan amount $30,000 | |
---|---|
APR** as low as: | 8.99% |
APR** as low as: | |
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Maximum loan amount $30,000 | 8.99% |
Visa Platinum without rewards (no annual fee) | |
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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 |
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 |
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.
Terms up to 120 months | |
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APR** | 6.00% |
APR** | |
---|---|
Terms up to 120 months | 6.00% |
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.
Term cannot exceed certificate maturity date | |
---|---|
APR** on collateral plus | 3.00% |
Minimum Rate | 4.00% |
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.
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* |
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.
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% |
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.
Elite Checking15 | |
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Minimum to Open Account | $15 |
Minimum Average Daily Balance to Earn Dividends | $2,500 |
Dividend Rate | 0.01% |
APY* | 0.01% |
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.
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% |
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
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