Rates effective as of 1/20/2010
Auto Rates | Loan Rates | Certificate of Deposit | Accounts
|
Auto Rates
|
|
Type
|
APR**
|
Term
|
|
New Automobile (2008 - 2010)
|
4.99%*
|
Up to 60 Months
|
|
5.49%*
|
Up to 72 Months
|
|
Conditions: Up to 100% of
purchase price including tax,
license & warranty OAC
|
| Newer Automobile (2003 - 2007) |
5.99%*
|
Up to 60 Months
|
|
Conditions: Up to 100% of
purchase price including tax,
license & warranty OAC
|
| Older Automobiles (2002 and older) |
8.75%*
|
Up to 36 Months
|
| Conditions: Up to 100% of purchase price including tax & license OAC |
* Interest rate based on credit score
** APR = Annual Percentage Rate
|
Loan Rates
|
|
Type
|
APR**
|
Term
|
Conditions
|
| Student Loans |
Varies
|
Varies
|
Inquire w/ Loan Officer
|
| Home Equity Fixed Rate |
5.90%* up to 75% CLTV
|
5 Year Fixed
(up to 20 yr Amortization)
|
Title & Flood Search
|
|
6.90%* up to 85% CLTV
|
5 Year Fixed
(up to 20 yr Amortization)
|
Title & Flood Search
|
| HELOC (Home Equity Line of Credit) |
Prime + .5%
|
5 Year Draw Period
|
Title & Flood Search
|
| Share Secured |
2.00% above share rate
|
42 Months
|
Pledge on savings equal to the loan balance
|
| Boats and RVs (2003- newer) |
6.25%*
|
Up to 72 Months |
Inquire with Loan Officer
|
| Signature/Unsecured |
10.90%*
|
Up to 42 Months
|
Up to $5,000
|
| Motorcycles (2003 - newer) |
6.25%*
|
Up to 72 Months
|
Appraisal may be needed
|
| Snowmobiles, Jet Ski and Trailers |
8.75%*
|
New up to 60 Months
|
Value determined by dealer invoice, pictures, and NADA
|
|
8.75%*
|
Used up to 42 Months
|
Same as new
|
| Home Purchase or Refinance |
Inquire with Loan Officer
|
| Fineline (overdraft protection) |
11.90%
|
N/A
|
Linked to a checking account at SJCU
|
* Interest rate based on credit score
**APR = Annual Percentage Rate
|
Certificate of Deposit (CD)
|
|
APY**
|
Term
|
Conditions
|
| .70% (0.69% APR*) |
6 Months
|
$1000 Minimum
|
| 1.00% (0.99% APR*) |
12 Months
|
$1000 Minimum
|
| 1.30% (1.29% APR*) |
24 Months
|
$1000 Minimum
|
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
|
Accounts
|
|
Type
|
APR*
|
| Savings Account |
.50% (.51% APY**)
|
| Checking Account |
.15% (.16% APY**)
|
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
|
