Loan Rates

Member owned results in better rates

Rates effective as of April 1, 2020

Auto Loan Rates

Amount Financed Max. Term* APR** Estimated Monthly Payment based on
New Auto - 60 Months

(Up to 125% MSRP***)

60 Months As low as
2.74
$17.86 per $1,000.00
New Auto - 72 Months

(Up to 125% MSRP***)

72 Months As low as
3.24%
$15.31 per $1,000.00
New Auto - 84 Months

(Up to 125% MSRP***)

84 Months As low as
3.74%
$13.56 per $1,000.00
Used Auto - 60 Months

(Up to 125% KBB****)

60 Months As low as
3.24%
$18.08 per $1,000.00
Used Auto - 72 Months

(Up to 125% KBB****)

72 Months As low as
3.49%
$15.42 per $1,000.00
Used Auto - 84 Months

(Up to 125% KBB****)

84 Months As low as
3.99%
$13.67 per $1,000.00

* Maximum term not available on all loan requests. Collateral must be no more than 7 years old with less than 100,000 miles. Loans made only to residents of California and on personal use vehicles purchased and registered in California. The Credit Union rates for our auto loan programs feature a range of rates.

** APR=Annual Percentage Rate. APR is determined by a combination of credit, income, loan to value and creditworthiness.

*** Maximum amount for a New Auto loan is 125% of manufacturer's suggested retail price.

**** Maximum amount for a Used Auto loan is 125% of Kelley Blue Book retail value. Additional restrictions may apply.  

Leisure Loan Rates

(RV, Boats, Fifth Wheels, Jet Skis and Other Specialty Vehicles)

Amount Financed Max. Term* APR** Estimated Monthly Payment based on
New - 72 Months

(Up to 100% MSRP***)

72 Months As low as
7.24%
$17.61 per $1,000.00
New - 84 Months

(Up to 100% MSRP***)

84 Months As low as
7.74%
$15.46 per $1,000.00
New - 120 Months

(Up to 100% MSRP***)

120 Months As low as
8.24%
$12.26 per $1,000.00
New - 180 Months

(Up to 100% MSRP***)

180 Months As low as
9.24%
$10.29 per $1,000.00
Used - 72 Months

(Up to 100% KBB****)

72 Months As low as
7.24%
$17.61 per $1,000.00
Used - 84 Months

(Up to 100% KBB****)

84 Months As low as
7.74%
$15.46 per $1,000.00
Used - 120 Months

(Up to 100% KBB****)

120 Months As low as
8.24%
$12.26 per $1,000.00
Used - 180 Months

(Up to 100% KBB****)

180 Months As low as
9.24%
$10.29 per $1,000.00

* Maximum term not available on all loan requests. Collateral must be a 2009 or newer model with less than 100,000 miles. Loans made only to residents of California and on personal use vehicles purchased and registered in California. The Credit Union rates for our leisure loan programs feature a range of rates.

** APR=Annual Percentage Rate. APR is determined by a combination of credit, income, loan to value and creditworthiness.

*** Maximum amount for a New Leisure Vehicle is 100% of manufacturer's suggested retail price.

**** Maximum amount for a Used Leisure Vehicle is 100% of Kelley Blue Book or NADA retail value. Additional restrictions may apply.

Personal Loan Rates

Amount Financed Max. Term* APR** Estimated Monthly Payment based on
$500 to $35,000 48 Months As low as
8.49%
$24.64 per $1,000.00
$500 to $35,000 60 Months As low as
9.49%
$21.00 per $1,000.00

* Maximum term and loan amount not available on all loan requests. The Credit Union rates for our personal/signature loan programs feature a range of rates.

** APR=Annual Percentage Rate. APR is determined by a combination of credit, income and creditworthiness. Additional restrictions may apply.

Share Secured Loan Rates

Amount Financed Max. Term* APR** Estimated Monthly Payment based on
Available Regular Shares 60 Months As low as
4.50%
$18.65 per $1,000.00

* Maximum term not available on all loan requests. Funds must be on deposit with The Credit Union for 10 (Ten) business days before a loan secured against the funds will be disbursed.

** APR=Annual Percentage Rate. Additional restrictions may apply.