Sonoma Federal Credit Union

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Rates & Relaxation

IMPORTANT INFORMATION ABOUT LOAN RATES:
The annual percentage rate (APR) of your loan is determined by your individual credit history. Rates advertised are subject to approval, may vary, and are fixed unless otherwise noted. All rates are subject to change without notice.

Auto Loans - Loan rates include 0.25% rate reduction with auto pay.
New Autos Current or prior year models with < 15K miles.	Used Autos 7 Model years old or newer	Vintage Autos 20 Model years old and in Kelly BB for vintage autos	Older Autos 7 Model years old to max age of 10 years old
Term: 60 Months	Term: 60 Months	Term: 1-60 Months	Term: 1-60 Months
APR: From 2.75%*	APR: From 2.75%*	APR*: From 8.30%	APR*: From 5.75%

First Mortgages - Over 400 different products available

Residential, Investment, Vacation Properties
Lowest rates and fees
Refinance with existing balance or obtain additional cash

Auto/Equity Loan New or Used Autos	Quick Qualifier 2nd	Auto "Cash Out" Equity Loan Used Auto Loans
	Term: 5 Years	Year 2004 or newer cars qualify
Term: 60 Months	Minimum: $10,000	Term: 60 Months
	Maximum: $25,000
APR: From 2.75%*	APR*: 5.50%	APR: From 2.75%*
Interest maybe tax deductable on this loan. (Check with your tax advisor to be sure)	Fees: None	This works like a home equity loan where you can borrow up to the retail value of your car.
**must contact credit union for coupon to obtain this rate, either by telephone (707) 525-6216 or sending an email through this website.

Signature Loans - Loan rates include 0.25% rate reduction with auto pay.

Term: 1-36 Months

Maximum: $5,000

APR*: From 5.50%

Motorcycles^, Boat, Watercraft, RVs & Trailers (New to 10 Model years old) - Loan rates include 0.25% rate reduction with auto pay.
Term: 1-60 Months	Term: 61-84 Months	Term: 85-120 Months
APR*: From 4.70%	APR*: From 5.20%	APR*: From 7.95%
^ Maximum term of 60 months on motorcycle loans.

Certificate Secured Loans

Term: matches certificate maturity

Maximum: 100% of certificate value

APR*: 2.75% above certificate rate

*APR = Annual Percentage Rate, may vary according to credit score.
(effective 01/09/12)



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