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Deposit Account
*Annual Percentage Yield shown as APY. Rates and APYs are subject to change at anytime without notice. Federally insured by NCUA. Fees could reduce the earnings on interest bearing accounts. The stated "as high as" rates and APY are based on certain criteria and are effective as of the date of publication and based on certain criteria and account opening guidelines that include, but not limited, terms, balances, product type, and specific product details and account opening criteria.
Promotional rates are available for limited terms and will adjust accordingly. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors.
Share Certificates
*APY = Annual Percentage Yield shown as APY.
Rates and APYs are subject to change at anytime without notice. Federally insured by NCUA. Fees could reduce the earnings on interest bearing accounts.
The stated "As high As" rates and APY are based on certain citeria and are effective as of the date of publication and based on certain criteria and account opening guidelines that include, but not limited, terms, balances, product type, and specific product details and account opening criteria.
Promotional rates are available for limited terms and will adjust accordingly. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors.
Money Market
*Annual Percentage Yield shown as APY. Rates and APYs are subject to change at anytime without notice. Federally insured by NCUA. Fees could reduce the earnings on interest bearing accounts. The stated "As high As" rates and APY are based on certain criteria and are effective as of the date of publication and based on certain criteria and account opening guidelines that include, but not limited, terms, balances, product type, and specific product details and account opening criteria.
Promotional rates are available for limited terms and will adjust accordingly. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors.
Consumer Loan
*APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at anytime without notice.
Stated "As Low As" rates and APR are based on certain criteria and underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Introductory rates are available for limited terms and will adjust accordingly.
All loans are subject to credit approval and underwriting guidelines and some restrictions may apply. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors.
Credit Card
*APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at anytime without notice. Stated "As Low As" rates and APR are based on certain criteria and underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. **Introductory rates are available for limited terms and will adjust accordingly. All loans are subject to credit approval and underwriting guidelines and some restrictions may apply. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. No Annual Fee. See Credit Card Disclosure for full details.
Mortgages
Rates and APR shown are based on certain criteria including but not limited to the amount of fees paid or waived, underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Introductory rates are available for limited terms and will adjust accordingly.
All loans are subject to credit approval and underwriting guidelines, and some restrictions may apply. Membership and/or participation fees may apply.
APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at any time without notice.
Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. First Mortgage Loan: An interest rate is the price borrowers pay for the use of money they borrow from a lender. The term annual percentage of rate (APR) describes the interest rate for a whole year (annualized). The APR differs from the interest rate due to the addition of any closing fees paid to obtain a loan. All mortgage rates based on a 30 day rate lock.
LTV = Loan to Value ratio.
Private mortgage insurance required for loans over 80% LTV and are subject to certain restrictions for approval. Example First Mortgage Loan: Purchase a property, with a loan amount of $194,000 and an estimated property value of $200,000, with a 3% down payment equal to $6,000. The property is located in Yuba City, CA and is within Sutter County.
The property is an existing single-family residence and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 6.875% interest rate, the APR for this loan type is 7.107%. The payment schedule for a 30-year term loan would be approximately $1,274 (Principal & Interest) per month. The monthly payment including PMI would be $1,371. Loans over 80% LTV require mortgage insurance; if an escrow account is required or requested, the actual monthly payment will include amounts for real estate taxes and homeowners insurance premiums. Payment examples do not include amounts for taxes and insurance, and actual payments may be greater.
Rates and *APR shown are based on certain criteria including but not limited to the amount of fees paid or waived, underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Introductory rates are available for limited terms and will adjust accordingly. All loans are subject to credit approval and underwriting guidelines, and some restrictions may apply. Membership and/or participation fees may apply.
APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at any time without notice. LTV = Loan-To- Value. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. Home Equity Lines-of-Credit are 25 year terms, principal and interest. Not available on manufactured homes. Subject to credit approval, underwriting guidelines. Some restrictions and fees may apply.
Home Equity Loans have a term of 15 year terms. Not available on manufactured homes. Subject to credit approval, underwriting guidelines and LTV = Loan to value requirements. Some restrictions and fees may apply.
Example Home Equity Loan: $50,000 loan at estimated 6.875% interest rate, the APR for this loan type is 6.997%. The property is a single-family residence and will be used as a primary residence. The rate lock period is 60 days, and the assumed credit score is 740. The payment schedule for a 15-year term loan would be approximately $445.93 (Principal & Interest) per month.
