Rates
Higher interest rates may apply for each category of loan depending on the member’s individual credit information.
Rates Effective: November 1, 2011
New Auto Loans |
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Amount Financed |
Term of Loan |
Annual Percentage Rate |
| Up to100% | 24-65 Months | As Low As 4.74% |
| Up to100% | 66-72 Months | As Low As 5.54% |
| Up to100% | 73-84 Months | As Low As 6.44% |
Used Auto Loans |
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Amount Financed |
Term of Loan |
Annual Percentage Rate |
| Up to100% | 24-65 Months | As Low As 5.24% |
| Up to100% | 66-72 Months | As Low As 5.94% |
| Up to100% | 73-84 Months | As Low As 6.74% |
Home Loans |
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Call the Loan Department at (805) 644-4657 for today’s Conventional Mortgage rate. |
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Mortgage Payment Example |
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Loan Amount |
APR |
Term |
| $200,000.00 | .0675 | 360 Months (30 Years) |
Monthly Payment: $1,297.93 |
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Interest Paid Life of Loan: $267,254.59 |
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Home Equity Line of Credit |
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Fixed Up to 15 year term As Low As Current Prime Rate Plus 4.0% |
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Variable Up to 25 year term As Low As Current Prime Rate -2% |
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Variable rate can change after account is opened. |
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Variable Rate Example (HELOC) |
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Loan Amount |
APR |
Term |
| $200,000.00 | .0625 (Best Rate) | 300 Months (25 years) |
Monthly Payment: $1,319.98 |
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Interest Paid Life of Loan: $195,993.79 |
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Overdraft Protection Loan |
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Revolving - 14.90% APR* |
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Share and Certificate Secure Loans |
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4.10% APR* Above Current Share/Certificate Rate |
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Personal Loans |
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Term of Loan |
Annual Percentage Rate |
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| 24-48 Months | As Low As 10.95% | |
Student Loans |
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Call the Loan Department at (805) 644-4657 for specific information and application package. |
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New & Used RV, Camper, Trailer and Boat Loans |
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Call Loan Department for Details (805) 644-4657 |
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New & Used Bike/ATV/PWC |
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Call Loan Department for Details (805) 644-4657 |
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Rates, terms and conditions are not guaranteed and are subject to change at any time without notice.
Dividends
Rates Effective: October 1, 2010
Savings Accounts |
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Account Type |
Annual Percentage Yield |
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| Regular Savings | .10% | |
| Student Savings | .25% | |
| Junior Savers | .25% | |
| Certificate Saver | .50% | |
Up to a maximum balance of $1,000.00 for Certificate Saver |
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| Christmas Club | .35% | |
| Summer Savers | .35% | |
Checking Accounts |
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Account Type |
Annual Percentage Yield |
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| Simply Free Checking* | - | |
| Student Checking | .10% | |
*Sign up for free online banking & E-statements |
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Share Certificate ($1,000 Minimum) |
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Term |
Annual Percentage Yield |
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| 90 Day | .40% | |
| 180 Day | .50% | |
| 1 Year | .62% | |
| 2 Year | .90% | |
$1,000 minimum to open, dividends paid monthly. |
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Share Certificate ($10,000 minimum to open) |
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Term |
Annual Percentage Yield |
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| 90 Day | .50% | |
| 180 Day | .60% | |
| 1 Year | .75% | |
| 2 Year | 1.00% | |
$10,000 minimum to open, dividends paid monthly. |
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IRA Accounts |
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IRA Structure |
Annual Percentage Yield |
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| 0 - $24,999 | .75% | |
| $25,000 | .90% | |
| $50,000 | 1.00% | |
| $75,000 | 1.11% | |
| $100,000 + | 1.26% | |
IRA Certificates - One Year Term |
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Minimum Balance |
APY |
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| $500 - $24,999 | .75% APY** | |
| $25,000 | .90% APY** | |
*APR = Annual Percentage Rate |
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Rates, terms and conditions are not guaranteed and are subject to change at any time without notice.
