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Phone: (707) 527-6216     Fax: (707) 527-6835
 
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Loan Rates & Terms

 
 

Rates Effective May 11, 2018. Rates subject to change without notice. Loan rates include a .25% reduction with Auto Pay.

Loan Type Term APR*
New Vehicles 36 Months 2.40% - 10.25%
  48 Months 2.65% - 10.25%
  60 Months 2.90% - 10.25%
  72 Months 3.40% - 10.75%
  84 Months 4.25% - 10.75%
Used Vehicles
Up To 7 Years Old
36 Months 3.25% - 10.25%
48 Months 3.50% - 10.25%
60 Months 3.75% - 10.25%
72 Months 4.00% - 10.75%
Older Auto Up To 1990 60 Months 2.00% Above Used Auto Rates
Vintage Auto 60 Months 2% Above Used Auto Rates
New & Used Boats, RVs, &
Travel Trailers

Up To 10 Years Old
36 Months 4.50% - 9.95%
48 Months 4.75% - 9.95%
60 Months 5.25% - 9.95%
84 Months 5.90% - 10.95%
120 Months 6.00% - 10.95%
Quick Qualifier 2nd Mortgage
48 Months 6.00% - 7.50%
60 Months 6.25% - 7.75%
72 Months 6.75% - 8.25%
84 Months 7.00% - 8.50%
Home Equity Line of Credit
   
Traditional HELOC    
Loan to value up to 50% 15 Years 4.75% - 7.00%
Loan to value up to 60% 15 Years 5.00% - 7.25%
Loan to value up to 70% 15 Years 5.50% - 7.50%
Home Equity Loans
   
Loan to value up to 50% 5 Years 4.75% - 8.50%
Loan to value up to 60% 5 Years 5.00% - 8.75%
Loan to value up to 70% 5 Years 5.25% - 8.75%
Loan to value up to 50% 10 Years 6.00% - 9.75%
Loan to value up to 60% 10 Years 6.25% - 10.00%
Loan to value up to 70% 10 Years 7.00% - 10.00%
Loan to value up to 50% 15 Years 6.75% - 10.25%
Loan to value up to 60% 15 Years 7.00% - 10.50%
Loan to value up to 70% 15 Years 7.75% - 10.50%
Motorcycles
Up To 10 Years Old
36 Months 4.50% - 9.95%
48 Months 4.75% - 10.95%
60 Months 5.25% - 10.95%
Signature w/Incidental Deed
Of Trust
Up To $25,000
60 Months 6.25% - 7.75%
Signature Loan
Up To $5,000
12 Months 7.25% - 16.00%
18 Months 7.25% - 16.00%
24 Months 7.25% - 16.00%
36 Months 7.25% - 16.00%
Share Secured Loans Up To 120 Months 2.75% Above Dividend Rate
Certificate Secured Loans Up To 120 Maturity 2.75% Above CD Rate
Double Your Money
1/2 Share Secured & 1/2 Signature,
Up To $20,000
Up To 60 Months 5.75% - 6.75%

  *  APR is the Annual Percentage Rate.
** Merit-Based Lending - Lowest Rates for all loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by a member's individual credit score. These quoted rates are subject to change. Experian FICO scores below 600 cannot be considered for a loan without exception and management or board approval.

 
 
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Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
 
NCUA Equal Housing Lender
 
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.