Rates |
Deposit Account Rate Schedule
The rates & terms applicable to your account at the Credit Union are provided in this Rate Schedule. The Credit Union may offer other rates for these accounts from time to time. Rates are subject to change without notice. Please refer to the Truth in Savings Disclosure in your Membership booklet for other account terms & conditions. For a printed version of the Deposit Rate Schedule, click here.
Share Draft Checking
*APY = Annual Percentage Yield. **Fees could reduce the earnings on the account. Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis. The Spend Account is a tiered rate account. The minimum to open an account is $25. Rate tiers are as follows: 3.00% APY (a dividend rate of 2.960% applies to balances of $0.01 - $25,000, and 0.10% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle). A 0.03% APY applies to all balances if monthly qualifications are unmet. Qualifications include making at least 12 debit card purchases, logging in to online banking, and enrolling in eStatement. Rates may change after the account is opened. Offer for a limited time. There is a $2 monthly fee to receive paper statements with this account. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. The qualification cycle has been updated for 2024 and can be found here: View the 2024 Cycle Calendar. One PremierOne Spend account is allowed per person. ATM Fee reimbursements up to $20 are provided only if qualifications are met within the monthly qualification cycle.
HSA 2023 Maximum Contribution Limits are $4,150 for Individual and $8,300 for Family. If you are 55 or older you can contribute a Catch-Up Contribution of $1,000. IRA 2023 Maximum Contribution Limit is $7,000.
Truth-in-Savings Disclosure
SHARE ACCOUNTS - Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.
1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all Share Savings, Health Savings, and Interest Checking accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. For Select Savings and Premier Money Market accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Health Savings Premier Money Market, Interest Checking, and Youth accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Premier Money Market accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Health Savings, Youth, and Interest Checking accounts, each dividend rate will apply only to that portion of the account balance within each balance range. The Spend Accounts are tiered rate accounts. If your daily balance is $25,000.00 or below, and you meet all of the following minimum service requirements during the qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply for the qualification cycle: a) you have at least 15 signature-based debit card purchases; b) you have at least one qualifying automatic transaction (deposit or debit); and c) you receive e-statements. If your balance is greater than $25,000.00 and you meet all of the minimum service requirements, the second dividend rate and range of annual percentage yields listed for this account will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum service requirements during the dividend period, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account. If you meet all the minimum service requirements you may also receive ATM withdrawal surcharge fee refunds.
2. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
4. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all Share Savings, Health Savings, Select Savings, Premier Money Market, and Interest Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Select Savings accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.
5. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share Savings and Business Share Savings accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For Premier Money Market accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
6. ACCOUNT LIMITATIONS — For all Share Savings and Premier Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Select Savings accounts, the entire balance will be paid to you by check on or after June 1 or on or after November 1, whichever you choose, and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Select Savings account, you must close it. If you close your account, you will be charged a fee as stated in the Schedule of Fees and Charges. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For all other Specialty or Promotional Share Savings accounts, the specific terms, restrictions, limitations and any applicable penalty amounts will be stated on the Schedule of Fees and Charges and Rate Schedule. For IRA Share Savings accounts, see separate IRA Disclosure. For Health Account accounts, see separate HSA Disclosure. For Zero Dividend Regular Share Savings, Spend Account, Fresh Start Checking, and Standard Checking accounts, no account limitations apply.
7. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Schedule of Fees and Charges for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.
8. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below. Par Value of One Share $5.00
Number of Shares Required 1
9. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated on the Rate Schedule. If you have any questions or require current rate information on your accounts, please call the Credit Union.
10. FEES — See separate Schedule of Fees and Charges for a listing of fees and charges applicable to your account(s).
Your savings are federally insured up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency. |
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Premier Money Market
Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis. *APY = Annual Percentage Yield. Fees could reduce the earnings on the account.
Truth-in-Savings Disclosure
SHARE ACCOUNTS - Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.
1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all Share Savings, Health Savings, and Interest Checking accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. For Select Savings and Premier Money Market accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Health Savings Premier Money Market, Interest Checking, and Youth accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Premier Money Market accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Health Savings, Youth, and Interest Checking accounts, each dividend rate will apply only to that portion of the account balance within each balance range. The Spend Accounts are tiered rate accounts. If your daily balance is $25,000.00 or below, and you meet all of the following minimum service requirements during the qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply for the qualification cycle: a) you have at least 15 signature-based debit card purchases; b) you have at least one qualifying automatic transaction (deposit or debit); and c) you receive e-statements. If your balance is greater than $25,000.00 and you meet all of the minimum service requirements, the second dividend rate and range of annual percentage yields listed for this account will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum service requirements during the dividend period, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account. If you meet all the minimum service requirements you may also receive ATM withdrawal surcharge fee refunds.
2. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
4. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all Share Savings, Health Savings, Select Savings, Premier Money Market, and Interest Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Select Savings accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.
5. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share Savings and Business Share Savings accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For Premier Money Market accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
6. ACCOUNT LIMITATIONS — For all Share Savings and Premier Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Select Savings accounts, the entire balance will be paid to you by check on or after June 1 or on or after November 1, whichever you choose, and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Select Savings account, you must close it. If you close your account, you will be charged a fee as stated in the Schedule of Fees and Charges. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For all other Specialty or Promotional Share Savings accounts, the specific terms, restrictions, limitations and any applicable penalty amounts will be stated on the Schedule of Fees and Charges and Rate Schedule. For IRA Share Savings accounts, see separate IRA Disclosure. For Health Account accounts, see separate HSA Disclosure. For Zero Dividend Regular Share Savings, Spend Account, Fresh Start Checking, and Standard Checking accounts, no account limitations apply.
7. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Schedule of Fees and Charges for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.
8. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below. Par Value of One Share $5.00
Number of Shares Required 1
9. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated on the Rate Schedule. If you have any questions or require current rate information on your accounts, please call the Credit Union.
10. FEES — See separate Schedule of Fees and Charges for a listing of fees and charges applicable to your account(s).
Your savings are federally insured up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency. |
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IRA Accounts and Share Certificates
Dividends for Traditional, Roth and Educational IRA Share Accounts are calculated using the Average Daily Balance for each day in the posting period, credited and compounded monthly and earned on a calendar monthly basis.
Dividends for Traditional, Roth and Educational IRA Share Accounts are calculated using the Average Daily Balance for each day in the posting period, credited and compounded monthly and earned on a calendar monthly basis.
*APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis.
IRA 2024 Maximum Contribution Limit is $7,000. If you are 50 or older you can contribute a Catch-Up Contribution of $1,000.
**Boost IRA Share Certificate matures after 36 months, after which it will be transferred into a regular 36 month IRA Share Certificate.
IRA’s are insured separately up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency.
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Regular Share Certificates
*APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis.
**Boost Share Certificate matures after 36 months, after which it will be transferred into a regular 36 month Share Certificate.
Truth-in-Savings Disclosure
CERTIFICATE ACCOUNTS - Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in- Savings Disclosure are share accounts.
1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The Share Certificate and IRA Share Certificate are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
2. DIVIDEND PERIOD — For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date.
3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends are stated in the Rate Schedule.
4. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
5. ACCRUAL OF DIVIDENDS — For Share Certificate and IRA Share Certificate accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Share Certificate and IRA Share Certificate accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
6. TRANSACTION LIMITATIONS — For all accounts, your ability to make deposits to your account and any limitations on such transactions are stated in the Rate Schedule. After your account is opened, you may make withdrawals subject to the early withdrawal penalties stated below and your account will be closed. Partial withdrawals are not allowed.
7. MATURITY — Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.
8. EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date.
a. Amount of Penalty. For Share Certificate and IRA Share Certificate accounts, the amount of early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
Terms of 12 months or less Up to 3 months’ dividends and all accrued dividends Terms longer than 12 months Up to 6 months’ dividends and all accrued dividends
b. How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the dividends that have been earned on the account. The penalty will not be deducted from the account principal.
c. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. (ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59½ or becomes disabled.
9. RENEWAL POLICY — The renewal policy for your accounts is stated in the Rate Schedule. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
10. NONTRANSFERABLE/NONNEGOTIABLE — Your account is nontransferable and nonnegotiable.
11. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below. Par Value of One Share $5.00
Number of Shares Required 1 |
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Loan Rate Schedule
The current rates and terms for loans at the Credit Union are provided in this Rate Schedule. Rates subject to change without notice. See individual loan type for rate details.
Vehicle Loans
New/Used Vehicle Loans
*APR = Annual Percentage Rate. Rate shown is the as low as rate and is based on term, value ratio, and credit score. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested, the loan to value ratio, and by the applicant's individual credit score. As low as rates based on a fico score of 760 or above, and qualified down payment when applicable. Terms available per individual based on credit score. 96-month term available for FICOs 720+. For more information call 408.524.4500. |
Other Vehicle Loans
*APR = Annual Percentage Rate. Rate shown is the as low as rate and is based on term, value ratio, and credit score. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested, the loan to value ratio, and by the applicant's individual credit score. ** For terms greater than 15 years and up to 20 years, a minimum down payment 10% and financed of $50,000 or more are required. Terms available per individual based on credit score. **240 Month Term for RV's Only. For more information call 408.524.4500. |
Consumer Loans
Consumer Loans
†APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Terms available per individual based on credit score. This offer expires December 31, 2024 and excludes all Personal loans already financed at PremierOne Credit Union. For more information call 1-855-500-P1CU (7128) or 408-524-4500. *APR = Annual Percentage Rate. Rates shown are lowest rates for loans up to 24 months. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit score. As low as rates may include a credit score of 760 or above. **APR = Annual Percentage Rate. Some restrictions may apply. Not all applicants will qualify, subject to credit approval. This loan may not be funded to pay off other PremierOne Credit Union loans. Limit one PremierCash Loan per member. Must be 18+ over to be eligible. PremierOne Credit Union reserves the right to cancel or change this offer at any time. See website for more details. ***APR = Annual Percentage Rate. One Student Relief Loan per member. Actual rate offered is determined by the loan term requested, and by the applicant’s individual credit score. All loans are subject to credit approval. Rates and terms are set by credit union and may change without notice. To qualify for this offer applicant must be a member of the credit union and be in good standing. Some restrictions may apply |
Home Loans
Home Equity
*APR = Annual Percentage Rate. This loan has a variable rate. The annual percentage rate may change quarterly on the first day of January, April, July and October. Minimum lifetime APR is 4.50%. Maximum lifetime APR is 18.00%. APR is subject to change without notice. The APR is based on an index. The index is the WSJ Prime rate. Actual rate determined by the applicant's individual credit profile. As low as rate includes a credit score of 760 or above. The minimum credit advance that you can receive is $5,000 for the first advance and $300 for each subsequent advance. We will charge your account $20.00 if you request an advance for less than the minimum advance amount permitted under this agreement. If you do not keep your line of credit open for at least 36 months, you will reimburse PremierOne Credit Union for the actual amount PremierOne Credit Union paid towards the cost of establishing your line of credit. Lines must be secured by first or second deed of trust on your personal 1-4 unit residence in California. All loans are subject to credit approval. Some restrictions apply. Note: Rates listed as "current" are the as low as rate. **APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 760 or above and 80% combined loan-to-value or lower. ***APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 760 or above. ****APR = Annual Percentage Rate. This loan has a variable rate. The annual percentage rate may change monthly on the first day of each month. Minimum lifetime APR is 5.50%. Maximum lifetime APR is 18.00%. The rate cannot increase or decrease more than 6.00% in any one-year period nor increase or decrease more than 2.00% at each adjustment. APR is subject to change without notice. The APR is based on an index. The index is the WSJ Prime rate. Actual rate determined by the applicant's individual credit profile. As low as rate includes a credit score of 760 or above. The minimum credit advance that you can receive is $5,000 for the first advance and $300 for each subsequent advance. We will charge your account $20.00 if you request an advance for less than the minimum advance amount permitted under this agreement. All home improvements must comply with all applicable state, local laws and regulation, including zoning regulations. All permits and approvals must be obtained. Lines must be secured by first or second deed of trust on your personal 1-4 unit residence in California. All loans are subject to credit approval. Some restrictions apply. Note: Rates listed as "current" are the as low as rate. |
First Mortgage
^APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Minimum loan is $100,000. Posted rates include a credit score of 720 or above, 50% loan-to-value or lower, and qualified down payment when applicable. Variable rate first mortgages are tied to the 1 Year Constant Maturity Treasury (CMT) index. They have 2% maximum annual rate increases and a 5% maximum lifetime cap. Margins vary by product and loan amount. ^^APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 720 or above and 70% loan-to-value or lower. Eligible Properties include non-owner-occupied single-family home, condo, townhouse, or 2-4 family residence. Maximum loan-to value is 70%. For more information call 408.524.4500. ^^^ APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 720 or above and 65% loan-to-value or lower. Eligible Properties include non-owner-occupied single-family home, condo, townhouse, or 2-4 family residence. Maximum loan-to value is 65%. For more information call 408.524.4500. ^^^^^APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Minimum loan is $100,000. Variable rate first mortgages are tied to the 1 Year Constant Maturity Treasury (CMT) index. They have 2% maximum annual rate increases and a 5% maximum lifetime cap. Margins vary by product and loan amount. Financing available up to 97% for borrowers who qualify for Private Mortgage Insurance (PMI). Must be a member of the credit union to fund a loan. A First Time Home Buyer is an individual that hasn’t owned a home in the past three years. |
Credit Cards
Credit Cards
±Visa Classic Actual rate offered determined by individual credit score. As low as rate includes a credit score of 760 or above. +Visa Platinum Actual as low as rate includes a credit score of 760 or above. ±Visa Gold Actual variable rate offered determined by individual credit score. As low as rate includes a credit score of 760 or above. ±Visa Classic (Share Secured) Actual rate offered determined by individual credit score. As low as rate includes a credit score of 760 or above. *APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. .
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New Auto* 6.25%
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24-Month IRA Share Certificate* 4.50%
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Home Equity Line of Credit* 7.750%
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Checking* 3.00%
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More Rates |
