Loan Rates
Effective 11/17/08
Vehicle Loans
| Up to 100% financing | ||
|---|---|---|
| NEW VEHICLE PURCHASE | Maximum Term | with Autopay Financing |
| 36-60 Months | 6.00% APR | |
| 72 Months | 6.25% APR | |
| USED VEHICLE PURCHASE | (Up to 5 model years) | |
|---|---|---|
| 36-60 Months | 7.00% APR | |
Home Equity Loans/HELOC
| Maximum TLTV 80% **** | ||
|---|---|---|
| Loan Type | Maximum Term | APR |
| HELOC ** | ||
| Variable Rate - Interest Only Payments | 10 years | 5.00% APR ** |
| Fixed Rate Home Equity *** | ||
| 7 years | 8.00% / 8.16% APR*** | |
**Variable interest rate is based on the prime rate index known as the Wall Street journal Prime Rate as published in the "Money Rates" column of The Wall Street Journal and identified as the base rate on corporate loans posted by at lest 75% of the nation's 30 largest banks plus .50%. Minimum APR that can apply is 5.00%; Maximum APR that can apply is 18%. Prime rate as of JAN 1, 2009 was 3.25%.Minimum payments are interest only; therefore, a balloon payment may result.
*** Example of 8.16% APR is based on $50,000 loan with a $250 application fee and principal and interest payment of $779.36 amortized over 84 months.
****Property may be subject to appraisal. Limited to one-to-four family units located in the state of California. Excludes mobile homes. Loans secured by your home other than your first mortgage must be paid off at the time of loan funding. Our fees and the costs charged by third parties range between $250 and $1,000 to open your Loan or HELOC. Other restrictions on the property may apply. Property insurance is required. Flood insurance may be required. Rates, APR, terms and conditions are subject to change without notice.
