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| Loan Rates |
AUTO LOANS
| Type | Term | Minimum Amount | APR1 as low as... | | Regular | Commitment | New Auto & Auto Equity
up to 120% financing | Up to 60 months | None | 5.00% | 4.90% | | 61 - 72 months | $10,000 for 72 Month Term | 5.50% | 5.40% | | 73 - 84 months | $20,000 | 6.50% | 6.40% | Used Auto & Auto Equity
(1999 or newer)
Up to 115% of Blue Book | Up to 60 months | None | 5.00% | 4.90% | | 61 - 72 months | $10,000 for 72 Month Term | 5.50% | 5.40% | | 73 - 84 months | $20,000 | 6.50% | 6.40% | Older Used Auto
(1995 - 1998)
Up to 100% of Blue Book | Up to 60 months | None | 9.00% | 8.90% | Boats, Motor Homes, Travel Trailers
New & Used
(2002 or newer) | 60 months | Up to $14,999 | 9.00% | 8.90% | | 72 months | $15,000 - $24,999 | 9.00% | 8.90% | | 73 - 120 months | $25,000+ | 9.00% | 8.90% | Motorcycle
New & Used
(2002 or newer) | Up to 60 months | Up to 100% of purchase price/retail value | 9.00% | 8.90% | Vehicle & Boat Loans - PDF Downloadable Application |
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CREDIT CARDS
| Type | Term | APR1 as low as... | | Regular | | Patelco 1% Cash Back Mastercard | Line of Credit (up to $50,000) | 10.90% | | Patelco Visa Gold | Line of Credit (up to $50,000) | 8.90% | | Patelco Classic Visa | Line of Credit (up to $5,000) | 14.90% | | Apply Now |
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SECURED LOANS
| Type | Term | Maximum Amount | APR1 as low as... | | Regular | Commitment | | Certificate-Secured | Due upon maturity | Equal to Certificate | Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.25% | | Shared-Secured | Up to 120 months | Equal to savings | 5.10% | 5.00% | | Personal Loans - PDF Downloadable Application |
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OTHER LOANS
| Type | Term | Amount | APR1 as low as... | | Regular | Commitment | | Computer | Up to 24 months | Up to $2,500 | 8.90% | 8.80% | | Ready Cash | Up to 84 months | Up to $25,000 | 15.15% | 15.05% | | Signature | Open-ended | Up to $25,000 | 15.15% | 15.05% | | Personal Loans - PDF Downloadable Application |
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| Note: |
APR = Annual Percentage Rate. |
| Rates can be .10% to 14.20% higher depending on repayment term selected, credit qualifications, account relationship, vehicle value and other qualifications. An additional .10% discount (10 basis points) applies to vehicle loans with a hybrid engine or a gas engine that gets at least 30 MPG highway as stated on www.fueleconomy.gov |
1 - Commitment Household members qualify for .10% (10 Basis Points) discount from the regular rate on consumer loans except credit cards and mortgage loans.
Rates/Terms are effective as of July 1, 2008.
Rates are subject to change without notice. Your rate may be higher based on your overall credit profile.
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