Auto Loans

Rates Effective March 1, 2017

*See FedONE credit union representateive for more information. 

 

Auto Loan Descritpion Rate APR*
New/Used Auto Loan Amounts
     Up to $10,000 1.49% - 8.24% 1.49% - 8.24%
     $10,001 - $15,000 1.49% - 8.24% 1.49% - 8.24%
     $15,001 - $20,000 1.49% - 8.24% 1.49% - 8.24%
     $20,001 - $30,000 1.99% - 8.74% 1.99% - 8.74%
     $30,001 and Up 1.99% - 9.24% 1.99% - 9.24%

*APR= Annual Percentage Rate. See FedONE credit union representateive for more information on auto loan rates.
**New/Used Vehicle Valuation: 4 years and newer models valued at 100% of Retail Kelley Blue Book.
4 years and older models valued at 100% Wholesale Kelley Blue Book. 

Recreational Vehicle Loans

Rates Effective March 1, 2017

*See FedONE credit union representateive for more information. 

 

Recreational Vehicle Descritpion Rate APR* Max Term (Months)
Motorcycle Loans
     New Motorcycle 4.99% 4.99% 60
     Used Motorcycle 5.99% 5.99% 60
Other Recreational Vehicles
     RV's, Motorhome's, Travel Trailer's 7.75%  7.75%  120
     Boat's, Motorboat's, Jetski's, and Waverunner's 7.75% 7.75% 60

*APR= Annual Percentage Rate. See FedONE credit union representateive for more information on recreational vehicle loan rates.

Loan Rates

Rates Effective March 1, 2017

*Unsecured Loan Rates are Based on Credit History. 

 

Loan Accounts Rate APR* Max Term (Months)
Personal Line Of Credit
     Tier 1 7.99% 7.99% Open
     Tier 2 10.99% 10.99% Open
     Tier 3 14.99% 14.99% Open
Unsecured Loan
     Tier 1 9.00% 9.00% 48
     Tier 2 13.50% 13.50% 48
     Tier 3 18.00% 18.00% 48
Share Secured Loan
     Share Secured Loan  2% Above Highest Dividend Rate

 *APR = Annual Percentage Rate *Unsecured Loan Rates are Based on Credit History and Score.

Credit Card Rates

Rates Effective March 1, 2017

*Credit Card Rates are based on Credit History and Score.

 

Credit Card Descriptions Rate APR*
Platinum VISA Credit Card
     Platinum VISA Credit Card - Tier 1 7.99% 7.99%
     Platinum VISA Credit Card - Tier 2 9.99% 9.99%
     Platinum VISA Credit Card - Tier 3 11.99% 11.99%
     Platinum VISA Credit Card - Tier 4 13.99% 13.99%
Secured Platinum VISA Credit Card
     Secured Platinum VISA Credit Card 12.00% 12.00%

 *APR = Annual Percentage Rate. *Credit Card Rates are Based on Credit History and Score.

Home Equity Line of Credit (HELOCs)

Rate Effective March 1, 2017

*Subject to change without notice

Term Rate APR* Loan-To-Value Minimum Loan Maximum Loan
15 Years Prime Rate +1% 4.50% 80% $25,000 $100,000

 

*APR=Annual Percentage Rate. Variable; rate and payment may increase every six months after loan consummation. Home Equity Line of Credit (HELOC) rate (APR) is based on an index (the Prime Rate as published in the Wall Street Journal [WSJ] on the third Thursday of January and third Thursday of July), plus a margin of 1%, with a floor of 4.25% and a maximum APR of 18%. The interest rates listed above is current as of the effective date above, represent lowest pricing, and are not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rate and APRs you may qualify for are based on your credit profile, loan-to-value (LTV), loan amount, and income/financial obligations. All loans are subject to a minimum credit qualifying score. Valid on owner-occupied California properties. Interest rates and APRs are subject to change without notice.

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