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*

Rates Effective: 10/01/2024
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%
* Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $70,000; Used $50,000. These APRs assume purchase of an auto under 5 calendar years. Your final APR may be higher depending upon the auto being financed. 72 month term is only available on financing of $15,000 or more. **84 month term is only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 6.49% APR for 48 months would have monthly payments of $284.51.

Motorcycle Loans

Rates Effective: 04/01/2024
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%
Minimum Loan Amount: $5,000. Maximum Loan Amounts: $50,000. These APRs assume purchase or refinance of a vehicle under 5 calendar years. Your final APR may be higher depending upon the age of the vehicle. 72 month term is only available on financing of $15,000 or more. **84 month term is only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 7.99% APR for 48 months would have monthly payments of $292.83.

Recreational Vehicle Loan Rates††

Rates Effective: 04/01/2024
84 Mos. 144 Mos. Max LTV Cash Out LTV
700+ 8.74% 9.24% 100% 80%
660-699 8.99% 9.49% 90% 70%
†† Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $200,000; Used $150,000. These APRs assume purchase or refinance of a vehicle under 10 calendar years. Your final APR may be higher depending upon the age of the vehicle.
Payment example: Loan amount of $20,000 at 8.74% APR for 84 months would have monthly payments of $319.09.

Personal Loans*

Rates Effective: 04/01/2024
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%
* Minimum loan amount is $1,500.
Payment example: Loan amount of $10,000 at 9.99% APR for 60 months would have monthly payments of $212.44.

Bicycle Loan*

Rates Effective: 04/01/2024
Max. Loan Amount Up to 60 months
700+ $7,500 9.24%
660-699 $7,500 10.24%
* Minimum Loan Amount is $500. 60 month term is only available on financing of $5,000 or more.
Payment example: Loan amount of $5,000 at 9.24% APR for 48 months would have monthly payments of $125.01.

Saving Secured

Rates Effective: 04/01/2024
Max. Limit APR
60 months Account Balance 4.49%

Signature Line of Credit

Rates Effective: 04/01/2024
Max Limit APR
Revolving - Credit Score: 700+ $10,000 WSJ Prime + 4.00%

Certified Secured

Rates Effective: 04/01/2024
Max. Loan APR
Due at CD Maturity Account Balance Certificate Rate + 2.25%

VISA Credit Card Interest Rates and Interest Charges

Rates Effective: 09/20/2024

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.

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