Today's Rates

Rates Snapshot

Auto Loans
as low as
6.59
%
APR
Credit Cards
as low as
13.24
%
APR
Personal Loans
as low as
7.99
%
APR
Money Markets
as high as
1.50
%
APR

Loan Rates

Deposit Rates

Personal Loans

Terms
Min Balance
720+
700+
680+
640+
620+
600+
<599
12 months
$500
7.99%
9.49%
11.49%
13.49%
15.49%
16.84%
17.49%
24 months
$500
8.49%
9.99%
11.99%
13.99%
15.99%
17.09%
17.99%
36 months
$500
8.99%
10.49%
12.49%
14.49%
16.49%
17.35%
18.24%
48 months
$2,500
9.24%
10.74%
12.74%
14.74%
16.74%
17.60%
18.49%
60 months
$2,500
9.49%
10.99%
12.99%
14.99%
16.99%
17.85%
18.74%
72 months
$2,500
9.74%
11.24%
13.24%
15.24%
17.24%
18.10%
18.99%
84 months
$5,000
9.99%
11.49%
13.49%
15.49%
17.49%
18.35%
19.24%
Effective October 2 2023

Lines of Credit

Terms
Minimum Balance
720+
700+
680+
640+
620+
600+
<599
Fixed Revolving
$500
9.99%
11.49%
14.49%
16.49%
17.49%
17.99%
18.49%
Effective July 3 2023

Visa Credit Card Rates

Credit Card Type
Annual Percentage Rate (APR)
APR for Balance Transfers
APR for Cash Advances
VISA Traditional
13.24% to 18.99%
13.24% to 18.99%
13.24% to 18.99%
VISA Rewards
15.24% to 18.99%
15.24% to 18.99%
15.24% to 18.99%
VISA Share Secured
18.24%
18.24%
18.24%
Effective August 1 2023

Auto Loan Rates

Credit Score
24-60 months
61-72 months
73 to 84 months
720+
6.59%
6.94%
7.339%
700+
7.19%
7.59%
8.24%
680+
8.09%
8.49%
9.09%
640+
9.04%
9.44%
10.89%
620+
12.94%
13.34%
13.54%
600+
13.19%
14.09%
14.29%
<599
14.59%
14.99%
15.19%
Effective October 2 2023
Add 0.25% for Used Vehicles, add 1.25-2.25% for used autos 10+ years or >100k miles
Actual APR is determined by individual credit rating and ability to pay. Financed values determined by: NEW from MSRP; USED from Kelly Blue Book® retail. Please Note: We can only finance vehicles that are titled in California.

RV and Trailer Rates

Term Length
Minimum Loan Amount
720+
719-700
699-680
679-640
639-620
60 months
$10,000
6.74%
7.24%
8.24%
11.24%
12.99%
72 months
$20,000
7.24%
7.74%
8.99%
11.74%
13.49%
84 months
$30,000
7.84%
8.34%
10.09%
12.34%
14.24%
120 months
$50,000
8.34%
9.09%
11.09%
13.34%
15.09%
144 months
$75,000
8.49%
9.34%
11.34%
13.59%
N/A
180 months
$100,000
8.59%
9.59%
11.59%
N/A
N/A
Effective October 2 2023
Please note that we can only finance vehicles that are titled in California; no out-of-state purchases .Loan-to-Value varies by tier. All loan rates expressed as Annual Percentage Rate (APR). Actual APR is determined by individual credit rating and ability to pay.

Motorcycle and ATV Rates

Term
Minimum Loan Amount
720+
719-700
699-680
679-640
639-620
up to 36 months
$5,000
6.94%
7.59%
8.69%
9.64%
14.69%
up to 60 months
$10,000
7.19%
7.84%
8.94%
10.14%
14.94%
72 months
$20,000
7.59%
8.09%
9.44%
11.29%
15.24%
84 months
$30,000
7.84%
8.34%
10.09%
12.34%
15.54%
Effective October 2 2023
Please note that we can only finance vehicles that are titled in California; no out-of-state purchases .Loan-to-Value varies by tier. All loan rates expressed as Annual Percentage Rate (APR). Actual APR is determined by individual credit rating and ability to pay.

Boat Rates

Term
Min Loan Amount
720+
719-700
699-680
679-640
639-620
Up to 36 months
$5,000
6.94%
7.59%
8.69%
9.64%
14.69%
Up to 60 months
$10,000
7.19%
7.84%
8.94%
10.14%
14.94%
72 months
$20,000
7.59%
8.09%
9.44%
11.29%
15.24%
84 months
$30,000
7.84%
8.34%
10.09%
12.34%
N/A
96 months
$50,000
8.09%
8.59%
10.59%
13.09%
N/A
120 months
$75,000
8.34%
9.09%
11.09%
N/A
N/A
180 months
$100,000
8.59%
9.59%
11.59%
N/A
N/A
Effective October 2 2023
Please note that we can only finance vehicles that are titled in California; no out-of-state purchases .Loan-to-Value varies by tier. All loan rates expressed as Annual Percentage Rate (APR). Actual APR is determined by individual credit rating and ability to pay.

Checking Account Rates

Account Type
Minimum Balance
Rate1
APY2
Local Advantage Plus Checking
$0
0.200%
0.20%
Local Trade Interest Checking
$100
0.100%
0.10%
Local iChecking
$1000
0.100%
0.10%
Effective May 1 2023

Savings Account Rates

Account Type
Minimum Balance
Rate1
APY2
Prime Share Savings
$100
0.100%
0.10%
*Youth Saver
$0
1.01%
1.01%
*Youth Saver
$0
6.851%
7.07%
IRA Shares
$100
0.100%
0.10%
Holiday
Vacation Club
$100
0.100%
0.10%
Effective May 1 2023
*7.07% APY Rate effective when paired with an adult cosigner w/Local Advantage Plus Checking. Youth Saver rates effective for first $500, additional monies above $500 will earn regular savings rate.

Money Market Rates

Minimum Deposit
Rate1
APY2
$100
0.747%
0.75%
$1,000
0.747%
0.75%
$10,000
0.747%
0.75%
$50,000
0.797%
0.80%
$100,000
0.995%
1.00%
$150,000
0.995%
1.00%
$250,000
0.995%
1.00%
$500,000
0.995%
1.00%
$1,000,000
1.144%
1.15%
Effective October 1 2023

Advantage Money Market Rates

Minimum Deposit
Rate1
APY2
$10,000
0.995%
1.00%
$50,000
1.243%
1.25%
$100,000
1.243%
1.25%
$150,000
1.292%
1.30%
$250,000
1.391%
1.40%
$500,000
1.490%
1.50%
$1,000,000
1.490%
1.50%
Effective October 1 2023

Business Money Market Rates

Minimum Deposit
Rate1
APY2
$100
0.747%
0.75%
$1,000
0.747%
0.75%
$10,000
0.747%
0.75%
$50,000
0.797%
0.80%
$100,000
0.995%
1.00%
$150,000
0.995%
1.00%
$250,000
0.995%
1.00%
$500,000
0.995%
1.00%
$1,000,000
1.144%
1.15%
Effective October 1 2023

Certificate of Deposit Rates

Term
Rate3
APY4
6 months
4.650%
4.75%
12 months
4.889%
5.00%
18 months
3.928%
4.00%
24 months
3.687%
3.75%
36 months
3.445%
3.50%
48 months
2.960%
3.00%
60 months
2.960%
3.00%
Effective October 1 2023

Disclosures

1) Anticipated dividend; variable rate & subject to change. 2) Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings. 3) Rates subject to change without notice. However, certificate rates remain fixed for term. 4) Unless otherwise stated, dividends will be credited to your account and compounded every month.

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