Consumer Deposit & Checking Rates - Effective March 10, 2010
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| Smart Savings:(br) - Balance up to $500(sup1)(br) - Balance $500.01+ | (br)$5(br)$5 | (br)5.00%(br).35% | (br)4.89%(br).349% |
| Regular / Holiday / IRA Savings(sup2) | $5 | .35% | .349% |
|
| Primary Checking | $100 | n/a | n/a | None |
| Premier Checking | $100 | .45% | .449% | $5(sup3) |
| Platinum Checking(br)-$5,000-$9,999.99(br)-$10,000+ | $100 | (br).55%(br)1.01% | (br).547%(br)1.00% | $15(sup4) |
| New Generation Checking (br) (ages 13-17) | $25 | n/a | n/a | None |
| Fresh Start Checking | $25 | n/a | n/a | $10(sup5) |
|
| Gold Star Money Market / IRA Accounts | $100,000 | 1.10% | 1.09% |
| Advantage Money Market / IRA Accounts | $50,000 | 1.05% | 1.045% |
| Index Plus(sup7) Money Market / IRA Accounts | $25,000 | .85% | .847% |
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| Money Market Savings / IRA Account | $100,000 (br)$50,000 (br)$25,000 (br)$5,000 | .95% (br).75% (br).65% (br).60% | .946% (br).747% (br).648% (br).598% |
|
| 6-month | .95% / .946% | 1.00% / .995% | 1.05% / 1.04% | 1.10% / 1.09% |
| 12-month | 1.15% / 1.14% | 1.25% / 1.24% | 1.30% / 1.29% | 1.35% / 1.34% |
| 18-month | 1.35% / 1.34% | 1.50% / 1.49% | 1.55% / 1.54% | 1.60% / 1.59% |
| 24-month | 1.50% / 1.49% | 1.70% / 1.69% | 1.75% / 1.74% | 1.80% / 1.79% |
* APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
1 eStatements and a minimum of $5 required to earn stated APY. Smart Savings Accounts without eStatements earn the regular savings APY on balances of $5+.
2 Minimum to earn APY is $1.
3 Waived with $1,500 minimum daily balance.
4. Waived with one of the following:
- $10,000 minimum daily balance in Platinum Checking account
- $25,000 minimum daily balance in Savings account(s)
- $25,000 minimum daily balance Money Market account
(for balance to qualify, minimum account balance requirement must be met)
- Any outstanding Premier America first mortgage
5 Without minimum direct deposit of $200+ per month, the monthly service charge is $13.
6 Balances under the stated minimum earn the regular savings APY.
7 The APY is based on the All Taxable Money Market Fund Average 7-Day Simple Yield plus a margin that can range from minus 1.50% to plus 1.50% (currently +.83%).
8 A penalty may be imposed for early withdrawals.
See disclosures for complete details on terms and conditions for all products and services.
Consumer Loans & Credit Card Rates - Effective March 10, 2010
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| Up to 66 months | $2,000 | 4.74% |
| Up to 75 months | $15,000 | 5.09% |
| Up to 84 months | $20,000 | 5.59% |
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| Up to 66 months | $2,000 | 5.24% |
| Up to 75 months | $15,000 | 5.94% |
| Up to 84 months(sup4) | $20,000 | 6.44% |
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| Up to 66 months | $2,000 | 5.74% |
| Up to 75 months | $15,000 | 6.44% |
| Up to 84 months(sup4) | $20,000 | 6.94% |
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| New RV(sup6) | Up to 84 months | Up to 70%(br)of MRSP | $2,000 | 6.24% |
| Used RV(sup6) (6 years or newer) | Up to 84 months | Up to 80%(br) of Retail | $2,000 | 6.74% |
| Used RV(sup6) (7 years and older) | Up to 84 months | Up to 90%(br) of Wholesale | $2,000 | 9.59% |
| New Boats | Up to 84 months | Up to 70%(br) of MRSP | $2,000 | 8.74% |
| Used Boats | Up to 84 months | Up to 80%(br) of Wholesale | $2,000 | 9.59% |
| New Motorcycles (excludes dirt bikes) | Up to 66 months | Up to 70%(br) of MRSP | $2,000 | 7.74% |
| Used Motorcycles (excludes dirt bikes) | Up to 66 months | 80% of(br) Wholesale | $2,000 | 8.59% |
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| Platinum MasterCard | 6.90% | $3,000 -(br)$50,000 | 9.50% | None |
| Standard MasterCard | n/a | $1,000 -(br)$7,500 | 10.15% | None |
| Student MasterCard | 8.99% | $500 -(br)$2,000 | 11.00% | None |
| Premium Travel MasterCard | n/a | $3,500 -(br)$50,000 | 9.50% | $35 |
| Secured Platinum MasterCard | n/a | $5,000 -(br)$50,000 | 7.00% | None |
| Secured Standard MasterCard | n/a | $300 -(br)$5,000 | 12.15% | None |
|
| Overdraft Protection(sup9) | $1,000 - $5,000 | 12.15% |
| Premier Line of Credit(sup9) | $5,000 - $15,000 | 10.15% |
| Premier Plus Line of Credit(sup9) | $15,001 - $50,000 | 9.50% |
| Personal Loans(sup2) | $500 - $25,000 | 16.40% |
| Savings/Certificate-Secured Loans | $500 - $1,500,000 | Deposit Rate (br)Plus 3.00%(br) to 3.50% |
1 New Autos are vehicles less than 1 year old and less than 12,000 miles (not to exceed 130% of Manufacturer's Suggested Retail).
2 Rates reflect .25% discount for direct deposit with automatic payment and may increase based on credit worthiness. For vehicle loans, down payment discounts may be available.
3 For model years 6 years or older, contact the credit union for current rates.
4 For used autos, 84 month terms are available for model years 2008 or newer; maximum mileage is 50k.
5 Minimium loan amounts apply for 75 and 84 month term Recreational Vehicle loans.
6 Recreational vehicles include motorhomes, camper/truck, and vacation trailers.
7 Introductory rate on credit cards is fixed for 6 months from account open date. At the end of the 6 months, the contract rate becomes variable and may increase, based on the Prime Rate, as published in the Wall Street Journal, plus margin.
8 Rates subject to credit worthiness.
9 Variable rate loans are based on the Prime Rate, as published in The Wall Street Journal, plus margin.
See disclosures for complete details on terms and conditions for all products and services.
Home Loan Rates - Effective March 10, 2010
Apply for a home loan online. You will find out if you are approved in just minutes.
| Click here to view our fixed and variable rate first mortgage home loans.1 |
|
| HomeLine/HomeLine Express (Line of Credit(sup2)) | 70% | $10,000 to $500,000 | 5.00% |
| Equity/Equity Express (Closed-End Loan) | 70% | $10,000 to $500,000 | 7.50% |
Rates and terms are subject to loan policies. Rates and Annual Percentage Rate may change daily without notice.
1 Rates are subject to credit worthiness, amount of loan, type of property and loan to value ratio. HomeLine / HomeLine Express rates reflect. .25% discount for direct deposit and automatic payment.
2 Availability of loans and maximum loan amounts vary by state. Variable rate loans are based on the Prime Rate, as published in The Wall Street Journal, plus margin.
See disclosures for complete details on terms and conditions for all products and services.
Business Rates - Effective March 10, 2010
Contact our Business Services Officers for more information about our competitive loan products and our current loan rates:
| Commercial Property Loans: |
James Ritter 818-772-4146 |
| All Other Products: |
| Chatsworth |
William Bennett 818-772-4063 |
| Simi Valley |
Tyler Templeton 805-526-9770 |
| Thousand Oaks |
Tyler Templeton 805-230-2144 |
| Houston |
Tyler Templeton 818-331-4146 |
| Valencia |
Karen Thompson 818-739-4652 |
| Warner Center |
Erin Kent 818-887-3842 |
|
| Free Business Checking | $100 | n/a | n/a | n/a |
| Premier Business Checking | $100(br)$100 | $1(br)$20,000 | .55%(br)1.01% | .547%(br)1.00% |
| Business Savings | $250 | $5 | .35% | .349% |
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| Business Gold Star Money Market | $100,000 | 1.10% | 1.09% |
| Business Advantage Money Market | $50,000 | 1.05% | 1.045% |
| Business Index Plus Money Market(sup2) | $25,000 | .85% | .847% |
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| Business Money Market Plus(sup3) | $100,000(br) $50,000(br) $25,000(br) $5,000(br) Up to $4,999 | 1.15%(br) 1.10%(br) .90%(br) .65%(br) .35% | 1.14%(br) 1.09%(br) .896%(br) .648%(br) .349% |
| Business Money Market Savings | $100,000(br) $50,000(br) $25,000(br) $5,000 | .95%(br) .75%(br) .65%(br) .60% | .946%(br) .747%(br) .648%(br) .598% |
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| 6-month term | .95% / .946% | 1.00% / .995% | 1.05% / 1.04% | 1.10% / 1.09% |
| 12-month term | 1.05% / 1.04% | 1.25% / 1.24% | 1.30% / 1.29% | 1.35% / 1.34% |
| 18-month term | 1.35% / 1.34% | 1.50% / 1.49% | 1.55% / 1.54% | 1.60% / 1.59% |
| 24-month term | 1.50% / 1.49% | 1.70% / 1.69% | 1.75% / 1.74% | 1.80% / 1.79% |
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| Business Express Line of Credit (SBA)(sup5) | $5,000-$35,000 | 7 years | Prime + (br) 5.50% to 6.50% | Setup Fee: $250 (br) Annual Fee: $100 (br) SBA Guaranty Fee(sup6) | Monthly |
| Business Express Line of Credit (Conventional) | $5,000-$35,000 | 1 year | Prime + (br) 3.99% | Setup Fee: $250 (br) Annual Fee: $100 | Monthly |
| Business Overdraft | $5,000-$25,000 | 1 year | Prime + (br) 4.24% to 11.24% | n/a | Monthly |
| Business MasterCard | $5,000-$25,000 | 1 year | Prime + (br) 4.24% to 11.24% | Annual Fee: $50 | Monthly |
|
| Line of Credit (SBA Express) | $35,000-$350,000 | 7 years | Prime + (br) 2.50% to 3.50% | Packaging Fee: $1,550-$1,800 SBA Guaranty Fee (sup5) | Monthly |
| Line of Credit (Conventional) | $10,000-$350,000 | 7 years | Prime + (br) 2.25% to 3.25% | Upfront Fee: 1.00% | Monthly |
|
| SBA 7(a) | $50,000-$2,000,000 | 7 -10 years (for refinance) or (br) 25 years (for acquisition) | Prime + 2.25% to 4.25%(sup8) | Packaging Fee: $1,550-$1,800 (br) SBA Guaranty Fee(sup8) | Monthly |
| Conventional | $35,000-$500,000 | 7 -10 years (for refinance) or (br) 25 years (for acquisition) | Fixed at Prime + (br) 2.00% to 4.00% | Upfront Fee: .50% | n/a |
| Conventional | $500,000-$3,000,000 | 10 years; (br)25 year amortization | Call for a quote | Upfront fee of 1% plus closing costs + 3rd party fees | n/a |
|
| Business Equipment Loan (SBA) | $10,000-$250,000 | 7 years | Prime + 4.75% to 6.75%(sup8) | Annual Fee: $250 (br) SBA Guaranty Fee(sup6) Lender Pts: 1.00% of Loan | n/a |
| Business Equipment Loan (Conventional) | $10,000-$250,000 | 7 years | Fixed at Prime + (br) 4.50% to 5.50% | Annual Fee: $250 (br) Lender Pts: 1.00% of Loan | n/a |
* APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
1 Balances under the stated minimum earn the business savings APY.
2 The APY is based on the All Taxable Money Market Fund Average 7-Day Simple Yield plus a margin that can range from minus 1.50% to plus 1.50% (currently +.83%).
3 Requires member to have or to open a Premier Business Checking or Business loan product.
4 A penalty may be imposed for early withdrawals.
5 SBA guaranty fee applies (1.00% to 2.82% of loan/line, depending on amount).
6 Variable rate loans based on Prime Rate index as published in the Wall Street Journal, plus margin.
7 Rates and maximums subject to change without notice and subject to credit worthiness - collateral values, and other loan policies. The information furnished here is preliminary. This is not an offer or commitment. Rates, terms and conditions may change without notice. All transactions are subject to approval. Approval terms may vary. See disclosures for complete details on terms and conditions for all products and services.
8 Appraisal costs may apply.
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