Personal Loan Rates
Fixed Rate Personal Loan
Rates are valid as of and are subject to change.
| Type | Term | Fixed Rate APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|
| Fixed Rate Personal Loan | 48 months | 10.615% | $25.66 | SS, T, Z |
Solar Advantage Loan
| Type | Term | Fixed Rate APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|
| Solar Advantage Loan | 12-120 months | 7.875% | $12.07 | SS, T, V, W |
| 121-180 months | 8.125% | $9.63 | ||
| 181-240 months | 8.375% | $8.60 |
- SS) APR - Annual Percentage Rate is subject to change and may vary depending on credit rating. The APR quoted is for excellent credit and may be higher depending on current credit score.
- T) Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 7 year (84 month), $20,000 new auto loan at the rate of 6.000%, multiply 20 x $14.61 for a payment amount of $292.17 (loan amount ÷ $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, term, model year, and type of vehicle.
- V) Property must be an owner-occupied single-family residence in the following counties: San Mateo, Contra Costa, Santa Clara, Alameda, and San Francisco, or within a 5-mile radius surrounding our branch in Folsom. No lien is placed on your home. $200 processing fee required.
- W) Minimum loan amount of $20,000 for terms greater than 15 years (180 months).
- Z) The maximum unsecured credit allowed per membership, including Visa, VIP, and unsecured loans, is $35,000.
Savings Secured Loan
Rates are valid as of and are subject to change.
| Type | Max Term | Fixed Rate APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|
| Savings Secured Loan | 48 months | Lowest savings rate + 3% | Varies | SS, T |
| Certificate Secured Loan | Certificate Maturity Date | Certificate yield + 3% (rate rounded up to next whole number) | Varies |
- SS) APR - Annual Percentage Rate is subject to change and may vary depending on credit rating. The APR quoted is for excellent credit and may be higher depending on current credit score.
- T) Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 7 year (84 month), $20,000 new auto loan at the rate of 6.000%, multiply 20 x $14.61 for a payment amount of $292.17 (loan amount ÷ $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, term, model year, and type of vehicle.