Today's Rates

Rates Snapshot

Auto Loans
as low as
5.19
%
APR
Credit Cards
as low as
12.24
%
APR
Personal Loans
as low as
8.94
%
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
8.94%
10.49%
12.49%
14.49%
16.49%
17.39%
18.24%
24 months
$500
9.19%
10.74%
12.74%
14.74%
16.74%
17.64%
18.49%
36 months
$500
9.49%
10.99%
12.99%
14.99%
16.99%
17.89%
18.74%
48 months
$2,500
9.74%
11.24%
13.24%
15.24%
17.24%
18.14%
18.99%
60 months
$2,500
9.99%
11.49%
13.49%
15.49%
17.49%
18.39%
18.99%
72 months
$2,500
10.24%
11.74%
13.74%
15.74%
17.74%
18.64%
18.99%
84 months
$5,000
10.49%
11.99%
13.99%
15.99%
17.99%
18.99%
18.99%
*Effective:

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:

Visa Credit Card Rates

Credit Card Type
Annual Percentage Rate (APR)
APR for Balance Transfers
APR for Cash Advances
VISA Traditional
12.24% to 18.99%
12.24% to 18.99%
12.24% to 18.99%
VISA Rewards
14.24% to 18.99%
14.24% to 18.99%
14.24% to 18.99%
VISA Share Secured
17.24%
17.24%
17.24%
Effective:

New Auto Loan Rates

Credit Score
24-60 months
61-72 months
73 to 84 months
720+
5.19%
5.64%
5.94%
700+
5.99%
6.49%
6.94%
680+
6.89%
7.09%
7.54%
640+
7.84%
8.24%
9.09%
620+
12.04%
12.44%
12.74%
600+
12.86%
13.26%
13.56%
<599
13.69%
14.09%
14.39%
Effective:
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.

Used Auto Loan Rates

Credit score
24 to 60 months
61 to 72 months
73 to 84 months
720+
6.54%
7.09%
7.29%
700+
7.34%
7.94%
8.29%
680+
8.24%
8.54%
8.74%
640+
9.19%
9.69%
10.44%
620+
13.39%
13.89%
14.09%
600+
14.21%
14.71%
14.91%
<600
15.04%
15.54%
15.74%
Effective:

RV and Trailer Rates

Term Length
Minimum Loan Amount
720+
719-700
699-680
679-640
60 months
$10,000
7.84%
8.34%
9.34%
12.34%
72 months
$20,000
8.09%
8.59%
9.59%
12.59%
84 months
$30,000
8.34%
8.84%
9.84%
12.84%
120 months
$50,000
8.84%
9.59%
10.84%
13.84%
144 months
$75,000
8.99%
9.84%
11.09%
14.09%
180 months
$100,000
9.09%
10.09%
11.34%
N/A
Effective:
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
up to 36 months
$5,000
7.59%
8.09%
9.09%
12.09%
up to 60 months
$10,000
7.84%
8.34%
9.34%
12.34%
72 months
$20,000
8.09%
8.59%
9.59%
12.59%
84 months
$30,000
8.34%
8.84%
9.84%
12.84%
Effective:
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
Up to 36 months
$5,000
7.59%
8.09%
9.09%
12.09%
Up to 60 months
$10,000
7.84%
8.34%
9.34%
12.34%
72 months
$20,000
8.09%
8.59%
9.59%
12.59%
84 months
$30,000
8.34%
8.84%
9.84%
12.84%
96 months
$50,000
8.59%
9.09%
10.34%
13.34%
120 months
$75,000
8.84%
9.59%
10.84%
N/A
180 months
$100,000
9.09%
10.09%
11.34%
N/A
Effective:
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.

Mortgage Loans Purchase Rates
Conforming Rates

Loan Product
Interest Rate
APR
Points
15 Year Fixed
6.125%
6.202%
.000%
30 Year Fixed
6.875%
6.921%
.000%

Rates are effective 4/21/2025 and are subject to change without notice.

The rates provided assume the purpose of this loan is to purchase a property, loan amount of $480,000 and a purchase price of $600,000.  The property is a single-family detached dwelling (non-manufactured home), one unit and located in California.  The property will be used as your primary residence.  The rate lock period is 30 days and the assumed credit score is 740 or greater.  There will be no subordinate financing and your debt to income will not exceed 40%.  The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees.  All loans are subject to approval and rates, terms and conditions are subject to change.

Jumbo Rates

Loan Product
Interest Rate
APR
Points
15 Year Fixed
6.125%
6.176%
.000%
30 Year Fixed
6.750%
6.782%
.000%

Rates are effective 4/21/2025 and are subject to change without notice.

The rates provided assume the purpose of this loan is to purchase a property, loan amount of $1,240,000 and a purchase price of $1,550,000. The property is a single-family detached dwelling (non-manufactured home), one unit and located in California. The property will be used as your primary residence. The rate lock period is 30 days and the assumed credit score is 780 or greater. There will be no subordinate financing and your debt to income will not exceed 40%. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees. All loans are subject to approval and rates, terms and conditions are subject to change.

Home Equity Loan Rates

Loan Type
Loan amounts
Max 70% CLTVRate (*APR)
Max 80% CLTVRate (*APR)
Terms
5-Year Fixed
$15,000-$500,000
7.00% (*7.97%)
8.00% (*8.98%)
Payments amortized over 60 months
10-Year Fixed
$15,000-$500,000
7.25% (*7.78%)
8.25% (*8.79%)
Payments amortized over 120 months
15-Year Fixed
$15,000-$500,000
7.50% (*7.89%)
8.50% (*8.90%)
Payments amortized over 180 months
20-Year Fixed
$15,000-$500,000
8.75% (*8.07%)
8.75% (*9.08%)
Payments amortized over 240 months
Rates shown above assume owner-occupied, Automated Valuation Model (AVM) available and flag title policy obtained; add 0.75% for non-owner-occupied properties

Home Equity Lines of Credit Rates

Loan Type
Loan amounts
Rate
Adjustable
$15,000-$500,000

8.00% (*8.39%)

-Owner Occupied-

8.75%(*9.15%)

-Investment Property-

‍

Fixed
$15,000-$500,000

8.74%(*8.87%)

-Owner Occupied-

9.49%(*9.63%)

-Investment Property-

Interest only (owner occupied only)
up to $100,000

8.74%(*9.11%)

-Owner Occupied-

WSJ Prime as of December 19, 2024 7.50%

Rates effective January 29, 2025
‍

Checking Account Rates

Account Type
Minimum Balance
Rate1
APY2
Local Advantage Plus Checking
$0
0.200%
0.20%
Local Trade Interest Checking
$100
0.050%
0.05%
Local iChecking
$1000
0.050%
0.05%
Effective:

Savings Account Rates

Account Type
Minimum Balance
Rate1
APY2
Prime Share Savings
$100
0.050%
0.05%
*Youth Saver
$0
1.005%
1.01%
*Youth Saver
$0
6.851%
7.07%
IRA Shares
$100
0.050%
0.05%
Holiday
Vacation Club
$100
0.050%
0.05%
Effective:
*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:

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:

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:

Share Certificate Rates

Term
Rate3
APY4
6 months
3.687%
3.75%
12 months
3.494%
3.55%
18 months
3.445%
3.50%
24 months
3.203%
3.25%
36 months
2.960%
3.00%
48 months
2.960%
3.00%
60 months
2.960%
3.00%
Effective: 

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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