Rates effective as of 8/20/2007
Auto Rates | Loan Rates | Certificate of Deposit | Accounts
|
Auto Rates
|
|
Type
|
APR**
|
Term
|
|
New Automobile (2006 - 2008)
|
5.49%*
|
60 Months
|
|
5.99%*
|
up to 72 Months
|
|
Conditions: Up to 100% of
purchase price including tax,
license & warranty
|
| Newer Automobile (2001 - 2005) |
5.99%*
|
60 Months
|
|
Conditions: Up to 100% of
purchase price including tax,
license & warranty
|
| Older Automobiles (2000 and older) |
8.75%*
|
36 Months
|
| Conditions: Up to 100% of purchase price including tax & license. |
* Interest rate based on credit score
** APR = Annual Percentage Rate
|
Loan Rates
|
|
Type
|
APR**
|
Term
|
Conditions
|
| FHA Title One |
10.00%
|
7 Years
|
Improvements Inspected
|
| Home Equity Fixed Rate |
5.90%* up to 75% CLTV
|
5 Year Fixed
|
Title & Flood Search
|
|
6.90%* up to 85% CLTV
|
5 Year Fixed
|
Title & Flood Search
|
| HELOC (Home Equity Line of Credit) |
Prime + .5%
|
10 Year Draw Period
|
Title & Flood Search
|
| Share Secured |
2.00% above share rate
|
42 Months
|
Pledge on savings equal to the loan balance
|
| Construction |
|
|
Inquire with Loan Officer
|
| Signature/Unsecured |
10.90%*
|
42 Months
|
$5,000 Max
|
| Motorcycles (2001 - newer) |
6.25%*
|
7 Years
|
Appraisal and/or Inspection may be needed
|
| Snowmobiles, Watercraft and Travel Trailers |
8.75%*
|
New - 60 Months
|
Value determined by dealer invoice, pictures, and NADA
|
|
8.75%*
|
Used - 42 Months
|
same as new
|
| 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
|
| 2.00% (1.98% APR*) |
6 Months
|
$1000 Minimum
|
| 2.00% (1.98% APR*) |
12 Months
|
$1000 Minimum
|
| 2.50% (2.47% APR*) |
18 Months
|
$1000 Minimum
|
| 2.50% (2.47% APR*) |
24 Months
|
$1000 Minimum
|
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
|
Accounts
|
|
Type
|
APR*
|
| Savings Account |
50% (51% APY**)
|
| Checking Account |
.25% (.26% APY**)
|
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
|
