Personal Loans
If you’re thinking about a loan, we offer you real choices with simple solutions for finding the amount, terms and the rate that fit your needs.
Apply Now
Disaster Loan
Our disaster loan is now available for members who have been impacted by the California Wildfires.
Personal Loan
Established for a pre-determined period of time with specific loan payments, our personal loans offer a fixed rate for the term of the loan.
Consolidation Loan
If you’re looking for help consolidating external debts into one payment, our consolidation loans provide a set term with specific loan payments.
Line of Credit Loan
A line of credit features an open-ended revolving loan available with a variable interest rate.
Financial Hardship Assistance
When faced with an immediate hardship, we may be able to provide a loan to give access to cash or help pay a bill with a third party.
Loan types include:
- Disaster Loan
- Financial Hardship Loan
- Fast Funds Loan
Share Certificate Loan
Before your share certificate (excluding IRA) matures, use the money as collateral for this loan with a low fixed rate and flexible terms.
Share-Secured Loan
Enjoy an even lower rate when you use funds in a savings account (excluding your IRA) as collateral.
Personal Loan
Established for a pre-determined period of time with specific loan payments, our personal loans offer a fixed rate for the term of the loan.
Consolidation Loan
If you’re looking for help consolidating external debts into one payment, our consolidation loans provide a set term with specific loan payments.
Line of Credit Loan
A line of credit features an open-ended revolving loan available with a variable interest rate.
Financial Hardship Assistance
When faced with an immediate hardship, we may be able to provide a loan to give access to cash or help pay a bill with a third party.
Loan types include:
- Disaster Loan
- Financial Hardship Loan
- Fast Funds Loan
Share Certificate Loan
Before your share certificate (excluding IRA) matures, use the money as collateral for this loan with a low fixed rate and flexible terms.
Share-Secured Loan
Enjoy an even lower rate when you use funds in a savings account (excluding your IRA) as collateral.
Our Rates^
-
APY as high as
2.02%
Savings
Share/IRA Accounts
-
APY as high as
4.55%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.35%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2025.
Our Rates^
-
APR as low as
4.24%
New Auto
Up to 36 Months
-
APR as low as
4.49%
Used Auto
Up to 36 Months
-
APR as low as
4.99%
New Auto
Up to 60 months
-
APR as low as
5.24%
Used Auto
Up to 60 months
-
APR as low as
6.74%
RV
Vehicle Loans
-
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 20, 2024.
Our Rates^
-
APR as low as
6.083%
15-Year Fixed
Home Loans
-
APR as low as
6.583%
30-Year Fixed
Home Loans
-
APR as low as
6.757%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 13, 2025. View Full Disclosures.
Our Rates^
-
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
-
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.25% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2025.
Our Rates^
-
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
Our Rates^
APY as high as
2.02%
Savings
Share/IRA Accounts
APY as high as
4.55%
Short-Term Share Certificate
Share Certificate
APY as high as
4.35%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2025.
APR as low as
4.24%
New Auto
Up to 36 Months
APR as low as
4.49%
Used Auto
Up to 36 Months
APR as low as
4.99%
New Auto
Up to 60 months
APR as low as
5.24%
Used Auto
Up to 60 months
APR as low as
6.74%
RV
Vehicle Loans
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective December 20, 2024.
APR as low as
6.083%
15-Year Fixed
Home Loans
APR as low as
6.583%
30-Year Fixed
Home Loans
APR as low as
6.757%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 13, 2025. View Full Disclosures.
APR
15.00% - 17.00%
Signature Cash Back
Credit Cards
APR
12.75% - 18.00%
Platinum Rewards
Credit Cards
APR
11.25% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2025.
APR
12.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 1, 2025.
EDUCATION
Money Trip
Everyone loves taking a vacation, but not everyone can afford it. To solve that problem, some people have taken out loans to fund their trips abroad. Companies like Affirm and UpLift are taking advantage of this trend — they cater to people who want to borrow money to fund their traveling. Like many things, there are (some) good and (a few) bad sides to making this money move.
Committed to Your Financial Wellness
Committed to Your Financial Wellness
"I feel like they are truly there for me, and treat me like a person, not a number – as clichéd as that sounds."
Debi, member since 1981
^ APR is Annual Percentage Rate. Open a new Visa Low Rate, Rewards or Cash Back credit card between 01/01/2025 and 03/31/2025, and receive 2.25% intro APR on balance transfers that post to your account within 60 days of account opening. Intro rate valid for six billing cycles after the transaction posts. After the intro rate, normal rates and fees will apply. As of 01/01/2025, variable APR will be 11.25% to 18.00%. Annual fee: $0. Balance-transfer fee: $0. Cash advance fee: $2. Minimum finance charge: $.50 except where prohibited by law. International transaction fee: Rewards and Cash Back card is 0% and all other cards are 1% of transaction amount after its conversion to U.S. dollars. Please refer to Credit Card Rates and Fees on our website for additional information. Rates are subject to change. Loans are subject to credit approval and Credit Union lending guidelines. In order to benefit from this offer, cardholder must keep account in good standing. This offer is non-transferrable and cannot be combined with any other offer.
Visa and Visa Signature are registered trademarks of Visa International Service Association.
