The annual percentage rates quoted are accurate as of 01/01/14.
Rates and terms are subject to change without notice.
Intended for informational purposes only. Accuracy depends on member input; the Credit Union is not responsible for the results.
Loan Discounts
You can lower your rates on applicable loans up to 1.00% 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 Gas Saver: Purchase of a new vehicle with an EPA mileage rating of 30 miles to the gallon highway or more, as established by www.fueleconomy.gov.
| Signature Series | |||
|---|---|---|---|
| Rate includes available discounts — 0.50% off base rate. | |||
| Account Type | Maximum Amount | Maximum Repayment Period | APR* |
| Signature | up to $10,000 |
up to 48 mo. |
as low as 9.50% |
| Preferred Personal | up to $10,500 |
up to 48 mo. |
one rate as low as 11.50% |
| Automatic Overdraft | up to $10,000 |
up to 12 mo. |
as low as 9.50% |
| Combination Loans | |||
|---|---|---|---|
| Rate includes available discounts — 0.50% off base rate. This is a partially secured loan. |
|||
| Collateral | Call the Loan Dept. for Details | up to 60 mo. |
as low as 9.50% |
| New Auto Loans | |||
|---|---|---|---|
| Rate includes available discounts — 1.00% off base rate. New is defined as 2013 or 2014 models, previously unregistered and purchased from a dealer. There may be a down payment required based on your overall credit worthiness. | |||
| New Autos, Pickups, Vans, & SUVs | up to 115% of the purchase price, including tax and license | up to 72 mo. |
as low as 3.10% |
| Used Auto Loans | |||
|---|---|---|---|
| Rate includes available discounts — 0.50% off base rate. A 1.50% surcharge is added to base rates on cars exceeding 100,000 miles. There may be a down payment required based on your overall credit worthiness. If you are refinancing a Bay Cities loan there is a $200 fee; Auto Loans refinanced from other institutions do not incur this fee. | |||
| Used Autos, Pickups, Vans, & SUVs | up to 115% of the purchase price, including tax and license | up to 72 mo. |
as low as 3.60% |
| Basic Transportation (BT) Car Loan | |||
|---|---|---|---|
| Basic Transportation (BT) Car Loan Rate includes available discounts — 1.50% off base rate including a 1.00% discount for Enterprise or Certified Pre-Owned vehicles. Vehicle must have 12 month warranty on the drivetrain, or a mechanical inspection completed by a third party including the drivetrain; must be purchased from a franchised dealer or car rental agency; and must have an EPA mileage rating of 30 miles to the gallon highway or more. (EPA verification at www.fueleconomy.gov) There may be a down payment required based on your overall credit worthiness. | |||
| New or Used Autos, Pickups, Vans, & SUVs | $25,000 | up to 68 mo. |
as low as 2.50% |
| Boats, RVs, & Motorcycles | |||
|---|---|---|---|
| Rate includes available discounts — 0.50% off base rate. There may be a down payment required based on your overall credit worthiness. | |||
| Boats | up to 100% of the purchase price, including tax and license | up to 84 mo. |
as low as 7.25% |
| RVs, Motor Homes, 5th Wheels, Trailers, & Tent Trailers | up to 100% of the purchase price, including tax and license | up to 84 mo |
as low as 7.25% |
| Motorcycles | up to 100% of the purchase price, including tax and license | up to 72 mo. |
as low as 7.25% |
| Sports Vehicle Loans – (New models only.) | |||
|---|---|---|---|
| Rate includes available discounts — 0.50% off base rate. There may be a down payment required based on your overall credit worthiness. | |||
| All-Terrain Vehicles | up to 80% of the purchase price, including tax and license | up to 48 mo. |
as low as 7.25% |
| Off Road Motorcycles & Motor Scooters | up to 80% of the purchase price, including tax and license | up to 48 mo. |
as low as 7.25% |
| Jet Skis & Snowmobiles | up to 80% of the purchase price, including tax and license | up to 48 mo. |
as low as 7.25% |
| Computer Loans | |||
|---|---|---|---|
| Rate includes available discounts — 0.50% off base rate. | |||
| Computer | up to 100% of the purchase price | up to 48 mo. |
as low as 9.50% |
| Share Secured Loans | |||
|---|---|---|---|
| Rate includes available discounts — 0.50% off base rate. | |||
| Share Savings | Fixed Rate | up to 60 mo. |
7.50% |
| Certificate Secured | Fixed Rate | Term of CD | 7.50% |
| Credit Rebuilder 2 | Fixed Rate | up to 36 mo. |
12.00% |
| Home Equity Loans | |||
|---|---|---|---|
| The annual percentage rate may vary. The maximum annual percentage rate is 12.0% Consult a tax advisor regarding the deductibility 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.
Fees and Charges – You may be responsible to pay certain fees to third parties. These fees generally total from $125 to $500. These fees will be waived if you agree to maintain our security interest on the property securing your account for at least 12 consecutive months following the Date of Agreement. If our security interest in the property securing your account is cancelled for any reason within the 12 month period following the Date of Agreement, you will be required to reimburse us (as an advance on your account at the time your account is closed) for the fees and charges paid by us on your behalf to third parties at the time your account was established.
| Use this payment per $1,000 chart to calculate your sample monthly payment. | |||
|---|---|---|---|
| Term | Monthly Payment | ||
| 36 months | $29.36 | ||
| 48 months | $22.41 | ||
| 60 months | $18.25 | ||
| This chart is based on 3.60% APR* | |||
* 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 an owner-occupied home located in California.
