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For Your Information
Personal Loan Rates
Rates Effective as of 1/1/2012
Personal Loans
| Loan | Term | Rate | APR* |
|---|---|---|---|
| Savings Secured | 1-5 Years | Dividend Rate + 3% | 3.10% |
| Personal Secured | 1-4 Years | 13.49% to 18.00% | 13.49% to 18.00% |
| Personal Unsecured | 1-4 Years | 13.49% to 18.00% | 13.49 - 18.00% |
* APY = Annual Percentage Yield
Auto Loans
| Loan | Term | Rate | APR* | Monthly Payment per $1,000 |
|---|---|---|---|---|
| New Autos (2011-2012) (up to 100% financing includes tax & license) | 2-6 Years | 2.59% to 4.49% | 2.59% to 4.49% | $18.24 @ 3.59% (for 5 years) |
| Used Autos (2005-2010) (up to 90% high blue book) | 2-6 Years | 3.44% to 5.24% | 3.44% to 5.24% | $18.62 @ 4.44% (for 5 years) |
* APR = Annual Percentage Rate
Fees for auto, motorcycle and truck loans are $75.00 + costs
Get Green Loans
Clean Cars: Hybrid, Electric, Alternative Fuel, Fuel Cell, and Low Emission (PZEV) Vehicles
| Loan | Term | Rate | APR* | Monthly Payment per $1,000 |
|---|---|---|---|---|
| Models 2007 and newer
(up to 100% high blue book) | 2-6 Years | 2.79% to 4.24% (includes 0.25% discount for green vehicles) | 2.79% to 4.24% | $17.88 @ 2.79% (for 5 years) |
Receive a .25% rate reduction when you purchase a Clean Car. Please visit www.driveclean.ca.gov to find a qualifying vehicle.
* APR = Annual Percentage Rate
Rates reflect .25% rate reduction with Direct Deposit/Automatic Payment. $25,000 minimum loan for 72-month term. 0.50% added to rate on 72-month term
Solar Power Loans
| Term | Rate | APR* | Amount/LTV** | Monthly Payment per $1,000 |
|---|---|---|---|---|
| 15 Years Line of Credit | Prime + 2.0%-2.5% | Based on Prime | Up to $100,000 (75% LTV) | $18.76 @ 4.75% for 5 Years |
100% financing for installation of solar energy for your home or investment property.
* APR = Annual Percentage Rate
** LTV = Loan to value
Energy Efficiency Loans
| Term | Rate | APR* | Monthly Payment per $1,000 |
|---|---|---|---|
| 5 Years | 5.75% to 6.99% | 5.75% to 6.99% | $19.22 @ 5.75% (for 5 years) |
Use an Energy Efficiency Loan up to $10,000 to purchase energy-efficient appliances; window replacement; water-saving or low-flow sprinkler systems; drought resistant/ecological landscaping; water heaters and special water heating reduction appliances/equipment; energy efficient lighting; energy efficient heating/cooling;insulation; waste reduction; recycling; and composting.
* APR = Annual Percentage Rate
