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
  • 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.
  • Z) The maximum unsecured credit allowed per membership, including Visa, VIP, and unsecured loans, is $35,000.

Solar Advantage Loan

Rates are valid as of and are subject to change.

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).

Share Secured Visa®

Rates are valid as of and are subject to change.

Type Provident Share Secured Visa Rates Disclaimers
APR for Purchases 12.90% introductory APR on purchases during the first six (6) months on account opening. Thereafter, your APR for purchases will be 14.90%. This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.* Y
APR for Balance Transfers 14.90% for six months. After that, the APR will be 16.90%. This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.*
APR for Cash Advances 16.90%. This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.*
Penalty APR and when it applies 18.00% APR. This APR may be applied to your account if your account is past due by two minimum payments. How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau.
Transaction Fees: Balance Transfer Either $10.00 or 2% of the amount of each transfer, whichever is greater.
Cash Advance Either $10.00 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction None
Penalty Fees: Late Payment Up to $28.00
Returned Payment Up to $35.00
Over-the-Credit Limit Up to $15.00
Annual Fee None