| The annual percentage rates quoted are accurate as of 07/01/08. |
|
|
Account
Type |
Maximum Amount |
Maximum Repayment Period |
APR* |
Loan Discounts
You can lower your rates on applicable loans up to 1.50% with the following discounts:
|
| 1/2% for AutoPay: A regularly scheduled electronic payment such as payroll deduction, transfer from your Bay Cities checking or savings, or debit from a checking account at another financial institution.
1/2% for Double Savings: A special savings account for members who establish an automatic electronic savings deposit of $30 or more monthly. This account has limited withdrawals during the repayment period of the loan and is intended to help you save for that unexpected auto repair or other unforeseen "life happening". This discount is only available for auto, motorcycle, RV and boat loans.
1/2% for Maximum Equity: To qualify for the 1/2% Maximum Equity discount, the purchase price on your vehicle must be no more than 80% of the Manufacturer’s Suggested Retail Price (MSRP) or High Kelley Blue Book, whichever applies. You can achieve this by making a cash down payment, trade in or by negotiating the price (or a combination of them).
- Or 1/4% for Minimum Equity: Don’t qualify for the Maximum Equity discount? Then you may qualify for a 1/4% Minimum Equity discount if the purchase price is no more than 81%-95% of the MSRP or Kelley High Blue Book.
|
Signature Series
Rate includes available discount -- 0.50% off base rate. |
| Signature |
up to
$20,000 |
up to
48 mo. |
as low as
9.50% |
| Automatic
Overdraft |
up to
$20,000 |
up to
48 mo. |
as low as
9.50% |
Combination Loans
This is a partially secured loan.
|
| Collateral |
Call the Loan Dept. for Details |
up to
60 mo. |
as low as
7.65% |
Auto Loans
Rate includes available discounts -- 1.50% off base rate.
New is defined as the current or prior year's models with 500 miles or less,
purchased from a dealer.
A 1.50% surcharge is added to base rates on cars seven or more years old.
A 1.50% surcharge is added to base rates on cars exceeding 100,000 miles. |
| New and Used Autos, Pickups, Vans, & SUVs |
up to 115% of the purchase price, including tax and license |
up to
72 mo. |
as low as
4.75% |
Boats, RVs, & Motorcycles
Rate includes available discounts -- 1.50% off base rate. |
| Boats |
up to 100% of the purchase price, including tax and license |
up to
83 mo. |
as low as
6.25% |
RVs
Motor Homes, 5th Wheels, Trailers, & Tent Trailers |
up to 100% of the purchase price, including tax and license |
up to
83 mo. |
as low as
6.25% |
| Motorcycles |
up to 100% of the purchase price, including tax and license |
up to
72 mo. |
as low as
6.25% |
Sports Vehicle Loans
(New models only.)
Rate includes available discount -- 1.50% off base rate. |
| All-Terrain Vehicles |
up to 80% of the purchase price, including tax and license |
up to
48 mo. |
as low as
6.25% |
| Off Road Motorcycles & Motor Scooters |
up to 80% of the purchase price, including tax and license |
up to
48 mo. |
as low as
6.25% |
| Jet Skis & Snowmobiles |
up to 80% of the purchase price, including tax and license |
up to
48 mo. |
as low as
6.25% |
Computer Loans
Rate includes available discount -- 0.50% off base rate. |
| Computer |
up to 100% of the purchase price |
up to
48 mo. |
as low as
9.45% |
| Share Secured Loans |
| Share Savings |
Fixed Rate |
up to
60 mo. |
7.50% |
| Certificate Secured |
Fixed Rate |
Term of CD |
8.50% |
Home Equity Loans
Prime Equity rate requires a minimum $10,000 draw.
The annual percentage rate may vary. The maximum annual percentage rate is 12.0%
Consult a tax advisor regarding the deductability of interest. |
| Fixed Equity |
up to 80% LTV**, or $100,000,
whichever is less
|
7 years
(10 or 15 year loans also available) |
as low as
5.25% |
| Prime Equity Line of Credit |
up to80% LTV***, or $100,000,
whichever is less |
Revolving:
10 year draw period, 15 year repayment period |
as low as
4.75% |
| There are no membership or participation fees. Your rate can be adjusted as follows: when rates are increasing, your rate will only be adjusted two times per year, once in February, and again in August. When rates are declining, your rate will be adjusted monthly. |
* APR = Annual Percentage Rate. Your rate is based on your credit profile.
** LTV = Loan to Value.The LTV is arrived by dividing the total amount of any mortgage loans, including the proposed Equity Line, into the appraised value of the home. All equity loans are secured by a second or first deed of trust on a single-family, owner-occupied home located in California.
| Use this payment per $1,000 chart to calculate your sample monthly payment. |
|
Term
|
Monthly Payment
|
| 36 months |
$30.31
|
| 48 months |
$23.37
|
| 60 months |
$19.22
|
| This chart is based on 5.75% APR* |
|
