Interest Rates

Rates effective as of January 4, 2019

Auto Loans

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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
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. All loans subject to credit approval.

Motorcycle Loans

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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. All loans subject to credit approval.

Motorhome, Trailer and Boat 2

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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. All loans subject to credit approval.

Personal Watercraft and All Terrain Vehicle

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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. All loans subject to credit approval.

Signature Loans (Closed End)

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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. All loans subject to credit approval.

Furlough Loans (Closed End)

All loans subject to credit approval.
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Home Equity Line of Credit 9

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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. All loans subject to credit approval.

Home Equity Loan

Owner Occupied 1 to 4 Unit Property

Non Owner Occupied 1 to 4 Unit Property

All loans subject to credit approval.
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Personal Line of Credit

All loans subject to credit approval.
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Credit Cards 10

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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. All loans subject to credit approval.

Share Secured Loans 11

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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

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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

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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.
All accounts subject to approval.

Savings 14

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14 $10 membership fee is required for new members.
All accounts subject to approval.

Checking

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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. If average daily balance falls below $2,500 dividends will not be paid.
All accounts subject to approval.

 

Money Market Accounts 16

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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. Balances below $2,500 do not earn dividends.
All accounts subject to approval.
*APY = Annual Percentage Yield
**APR = Annual Percentage Rate

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