Rates

All rates effective July 1, 2016 and are subject to change.

Your funds held with us are insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA.

Savings/Money Market Accounts

Dividend rates and Annual Percentage Yields (APYs) are the anticipated rates and yields. See your account disclosure for complete details. Dividend rates, APYs and terms are subject to change. You must maintain a $5 Membership Savings balance. See our fee schedule for applicable account fees.

Investment Certificates

Dividend rates and Annual Percentage Yields (APYs) are the anticipated rates and yields. See your account disclosure for complete details. Early withdrawal penalties may apply. See our fee schedule. Dividend rates, APYs and terms are subject to change. You must maintain a $5 Membership Savings balance.

IRAs (Traditional & Roth)

Dividend rates and Annual Percentage Yields (APYs) are the anticipated rates and yields. See your account disclosure for complete details. Early withdrawal penalties may apply. See our fee schedule. Dividend rates, APYs and terms are subject to change. You must maintain a $5 Membership Savings balance.

Coverdell Education Savings/Certificates

Dividend rates and Annual Percentage Yields (APYs) are the anticipated rates and yields. See your account disclosure for complete details. Early withdrawal penalties may apply. See our fee schedule. Dividend rates, APYs and terms are subject to change. You must maintain a $5 Membership Savings balance.

Checking Accounts

Dividend rates and Annual Percentage Yields (APYs) are the anticipated rates and yields. See your account disclosure for complete details. Dividend rates, APYs and terms are subject to change. You must maintain a $5 Membership Savings balance. See our fee schedule for applicable account fees.

Your funds held with us are insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are insured separately federally insured to at least $250,000 by the NCUA.

Vehicles Loans

Annual Percentage Rate (APR) shown are for qualified borrowers and reflect loan amounts up to 100% of the retail value. Other rates are available and your APR may vary based upon the collateral, amount financed, term and credit history. A minimum loan amount based on term are: $100 for 24-months; $2,000 for 36-months; $5,000 for 48-months; $7,500 for 66-months; $18,000 for 72-months; and, $25,000 for 84 months. Maximum loan amount is $80,000. The minimum monthly loan payment is $35. Must have comprehensive and collision insurance with a maximum $500 deductible. Certain other fees and restrictions may apply.

Annual Percentage Rate (APR) shown are for qualified borrowers and reflect loan amounts up to 100% of the retail value. Other rates are available and your APR may vary based upon the collateral, amount financed, term and credit history. A minimum loan amounts based on term are: $100 for 36-months; $8,000 for 60-months; $8,000 for 72-months; $25,000 for 84-months; $50,000 for 96-months; and, $75,000 for 120 months. Maximum loan amount is $150,000. The minimum monthly loan payment is $35. Must have comprehensive, collision, fire and theft insurance with a maximum $500 deductible. Certain other fees and restrictions may apply.

Annual Percentage Rate (APR) shown are for qualified borrowers and reflect loan amounts up to 100% of the retail value. Other rates are available and your APR may vary based upon the collateral, amount financed, term and credit history. A minimum loan amount based on term are: $100 for 24-months; $5,000 for 36-months; $7,500 for 48-months; and, $18,000 for 60-months. Maximum loan amount is $30,000. The minimum monthly loan payment is $35. Must have comprehensive and collision insurance with a maximum $500 deductible. Certain other fees and restrictions may apply.

Mortgage/Home Equity

Hazard, flood and title insurance are required on all Equity Loans and Lines of Credit. California owner-occupied residences only. All loans subject to credit approval. Closing costs typically range between $150 and $800 depending on the location of the property and the amount/type of Equity Loan or Line of Credit. Termite inspection may be required. Property restrictions and other requirements may apply.

Home Equity Loan: Borrow from $10,000 to $250,000. There is a 5-year call provision if loan term exceeds 84-months. Late payment fee is 5% of payment or $10.00, whichever is greater.

Home Equity Line of Credit: APR is based on the Wall Street Journal Prime Rate (Prime + 0%). When a range of prime rates is published, the highest prime rate applies. Rate varies monthly. Maximum APR is 14%. Minimum APR is 5%. NSF charge is $30. Late payment fee is 5% of payment or $10.00, whichever is greater. Over-the-limit fee is $18. Annual fee of $25 is waived for the first year and any year with an outstanding balance of $20,000 or more. The minimum initial credit advance that you can receive is $10,000.

NMLS #756614

Personal Loans/Lines of Credit/Overdraft Protection

 

Truth-In-Savings Disclosure    Fee Schedule