Loan and Credit Card Rates
Loan Rates
All Auto, Recreational Vehicle, and Motorcycle Loans:
All vehicles must be titled and registered in the state of California to be eligible for financing. .25% rate reduction for borrowers who enroll in Auto Pay at time of funding.
Auto Loans Only:
.25% rate reduction for full Electric Vehicles. No rate reduction given for hybrid vehicles.
Lowest rate available:
Auto: 6.49% Motorcycle: 7.49% Recreational Vehicle: 8.49%.
Autos*
| Up to 48 months | 66 months | 72 months * | 84 months ** | |
|---|---|---|---|---|
| 750+ | 6.49% | 6.74% | 6.99% | 7.49% |
| 700-749 | 6.99% | 7.24% | 7.49% | 7.99% |
| 650-699 | 7.74% | 7.99% | 8.24% | 8.74% |
| 610-649 | 9.24% | 9.49% | 9.74% | 10.24% |
| < 610 | 10.74% | 10.99% | 11.24% |
Motorcycle Loans†
| Up to 48 months | 66 months | 72 months * | 84 months ** | Purchase & Refinance | |
|---|---|---|---|---|---|
| 750+ | 7.99% | 8.24% | 8.49% | 8.99% | 110% |
| 700-749 | 8.49% | 8.74% | 8.99% | 9.49% | 110% |
| 650-699 | 9.49% | 9.74% | 9.99% | 10.49% | 105% |
Recreational Vehicle Loan Rates††
| 84 Mos. | 144 Mos. | Max LTV | Cash Out LTV | |
|---|---|---|---|---|
| 700+ | 8.74% | 9.24% | 100% | 80% |
| 660-699 | 8.99% | 9.49% | 90% | 70% |
Personal Loans*
| Max. Loan Amount | Up to 60 months | |
|---|---|---|
| 740+ | $50,000 | 9.99% |
| 700-739 | $30,000 | 11.49% |
| 660-699 | $15,000 | 13.24% |
| 640-659 | $7,500 | 14.74% |
Bicycle Loan*
| Max. Loan Amount | Up to 60 months | |
|---|---|---|
| 700+ | $7,500 | 9.24% |
| 660-699 | $7,500 | 10.24% |
Saving Secured
| Max. Limit | APR | |
|---|---|---|
| 60 months | Account Balance | 4.49% |
Signature Line of Credit
| Max Limit | APR | |
|---|---|---|
| Revolving - Credit Score: 700+ | $10,000 | WSJ Prime + 4.00% |
Certificate Secured
| Max. Loan | APR | |
|---|---|---|
| Due at Certificate Maturity | Account Balance | Certificate Rate + 2.25% |
VISA Credit Card Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances. |
Visa Gold: 14.49% These APRs will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website at the Consumer Financial Protection Bureau (www.consumerfinance.gov/learnmore). |
| Fees: | |
| Annual Fee | Visa Classic, Visa Gold, Visa Gold Plus: None |
| Transaction Fees: | |
| Cash Advances | Either $2 or 2% of the amount of cash advance, whichever is greater. |
| International Transactions | None. |
| Penalty Fees: | |
| Late Payment | Up to $39.00 |
| Returned Payment | Up to $28.00 |
Balance Computation Method: Average daily balance including new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.