Current Loan Rates

Today’s rates as of December 1, 2022

New & Used Auto

Terms Up to 84 MonthsAPR*
Maximum of 125% of MSRPNew Auto Loan: As Low As 3.99%
Maximum of 120% of Kelly Blue Book
(including tax, title, license, GAP, and MBI)
Used Auto Loan: As Low As 4.24%
New Vehicle Criteria: Model years 2021 – 2022, with maximum 12K miles


First Mortgages: Fixed and Variables Programs Available
10/1 ARMCall for Updated Rates – 0 Points

Home Equity Lines of Credit (HELOC)

Adjustable RateAPR*
Up to 80%Maximum of $500,000– Rate is variable and is based on the Prime Rate Index as published in the Wall Street Journal.
– Minimum floor rate 4.00%; Maximum cap rate 18.00%.
– Applicant’s rate may be higher and CLTV may be lower depending on credit profile and other qualification requirements.
10 Year DrawTied to Prime Rate plus a margin based on FICO
Payments Amortized Over 15 YearsNo Cost to Member
No cost if loan remains open for 12 months and are not eligible for Skip a Pays

Personal Loans

Personal (for Vacation, Tax, Bill Payment, etc.)As Low As 10.49%
myPet Care LoanAs Low As 10.49%
Holiday Cash*As Low As 6.99%
*Call (626) 351-9651 to apply for Holiday Cash. Subject to credit approval.

Line of Credit

Personal Line of CreditAs Low As 10.74%

Credit Cards

Card TypeAPR*
American Express & Visa Card9.99% – 18.00%
We offer a credit card program to meet your needs, including the following cards: American Express Cash Back and Travel, Visa Platinum, Secured Visa, Visa Signature, College Rewards Visa, and Visa Business Cards.

Classroom Supply Loans

Loan TypeAPR*
Purchasing Classroom Supplies
(Minimum Monthly Payment is $100 for Full Loan Amount.
Not Eligible for Skip-A-Pay. Limited to One Classroom Supply Loan per Year)
0% up to $1,000

School Employee Loans

Loan TypeAPR*
For school related items like uniforms, shoes, and equipment.
All classified employees and teachers are eligible.
Loan is amortized over 10 months with a minimum monthly payment of$50.
0% up to $500

Electronic Device Loans

For EducatorsAPR*
For mobile devices, tablets, and PCs4.99%
Up to 24 Month Terms
(Not Eligible for Skip-A-Pay)
Loan Amount up to $2,500

REEL/Energy Efficient Loan

For Homeowners with Credit Scores >640

Product (fixed rate)Min Loan AmountMax Loan AmountTier 1 FICO 720+Tier 2 FICO 680 – 719Tier 3 FICO 640 – 679
5 Years$2,500$30,0004.99%5.99%6.99%
10 Years$2,500$30,0005.99%6.99%7.99%
15 Years$2,500$20,0006.99%7.99%8.10%

For Homeowners with Credit Scores 639-600

(fixed rate)
Min Loan AmountMax Loan AmountTier 4 FICO 639 – 600
5 Years$2,500$20,0007.49%
10 Years$2,500$20,0007.99%

For Renters with Credit Scores >640

Product (fixed rate)Min Loan AmountMax Loan AmountTier 1 FICO 720+Tier 2 FICO 680 – 719Tier 3 FICO 640 – 679
5 Years$2,500$20,0005.99%6.99%7.49%
10 Years$2,500$20,0006.99%7.99%8.10%

For Renters with Credit Scores 639 – 600

(fixed rate)
Min Loan AmountMax Loan AmountTier 1 FICO 720+
5 Years$2,500$10,0007.99%
10 Years$2,500$10,0008.10%

2nd Trust Deed

Fixed Rate and TermAPR*
Terms Up to 15 YearsMaximum of $500,000As Low As 7.00%
Fully AmortizedNo Cost to Member

*APR: Annual Percentage Rate. Rates subject to change without notice. All rates quoted include automatic payment discount is 1%. Contact us directly for more information. Other terms and conditions may apply. NMLS Number: 450198

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