Today's Rates

Rates Snapshot

Auto Loans
as low as
4.49
%
APR
Credit Cards
as low as
11.49
%
APR
Personal Loans
as low as
8.49
%
APR
Money Markets
as high as
1.50
%
APY

Loan Rates

Deposit Rates

Personal Loan Rates*

Terms
Min Balance
720+
700+
680+
640+
620+
600+
<599
12 months
$500
8.49%
10.19%
12.19%
14.49%
16.49%
17.39%
18.24%
24 months
$500
8.74%
10.44%
12.44%
14.74%
16.74%
17.64%
18.49%
36 months
$500
9.24%
10.69%
12.69%
14.99%
16.99%
17.89%
18.74%
48 months
$2,500
9.49%
10.94%
12.94%
15.24%
17.24%
18.14%
18.99%
60 months
$2,500
9.74%
11.19%
13.19%
15.49%
17.49%
18.39%
18.99%
72 months
$2,500
9.99%
11.44%
13.44%
15.74%
17.74%
18.64%
18.99%
84 months
$5,000
10.24%
11.69%
13.69%
15.99%
17.99%
18.99%
18.99%
*Rates expressed as APR. APR=Annual Percentage Rate.
Payment Sample: 60 Month Term per $2500 borrowed: $53.11 at 9.99%
Effective: February 2, 2026

Lines of Credit Rates*

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%
*Rates expressed as APR. APR=Annual Percentage Rate
Effective: February 2, 2026

Visa Credit Card Rates*

Credit Card Type
Annual Percentage Rate (APR)
APR for Balance Transfers
APR for Cash Advances
VISA Traditional
11.49% to 18.99%
11.49% to 18.99%
11.49% to 18.99%
VISA Rewards
13.49% to 18.99%
13.49% to 18.99%
13.49% to 18.99%
VISA Share Secured
16.49%
16.49%
16.49%
*Rates expressed as APR. APR=Annual Percentage Rate
Effective: February 2, 2026

New Auto Loan Rates*

credit score
0 TO 36 MONTHS
24 to 60 months
61 to 72 months
73 to 84 months
85 to 96 months
720+
4.49%
5.24%
5.34%
5.74%
5.99%
700+
5.29%
6.04%
6.34%
6.79%
7.04%
680+
6.19%
6.59%
6.69%
7.14%
N/A
640+
7.44%
7.64%
7.84%
8.69%
N/A
620+
11.09%
12.34%
12.49%
12.79%
N/A
600+
12.16%
13.16%
13.56%
13.86%
N/A
<600
13.24%
13.99%
14.39%
14.69%
N/A
*Rates expressed as APR. APR=Annual Percentage Rate
Payment Sample: 60 Month Term per $1000 borrowed: $18.98 at 5.24%
Effective: February 2, 2026
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
0 to 36 months
37 to 60 months
61 to 72 months
73 to 84 months
720+
4.99%
5.59%
5.74%
6.14%
700+
5.79%
6.64%
7.09%
7.49%
680+
6.69%
7.29%
7.54%
7.94%
640+
7.94%
8.24%
8.69%
9.49%
620+
11.59%
12.69%
13.14%
13.64%
600+
12.66%
13.64%
14.09%
14.44%
<600
13.74%
14.59%
15.04%
15.29%
*Rates expressed as APR. APR=Annual Percentage Rate.
Effective:February 2, 2026

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
*Rates expressed as APR. APR=Annual Percentage Rate.
Payment Sample: 60 Month Term per $1000 borrowed: $20.20 at 7.84%
Effective: February 2, 2026
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%
*R
Payment Sample: 60 Month Term per $1000 borrowed: $20.20 at 7.84%
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
*Rates expressed as APR. APR=Annual Percentage Rate.
Payment Sample: 60 Month Term per $1000 borrowed: $20.20 at 7.84%
Effective: February 2, 2026
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
5.500%
5.579%
.000%
30 Year Fixed
6.125%
6.172%
.000%

*APR=Annual Percentage Rate.

Rates are effective 2/2/2026 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
5.500%
5.550%
.000%
30 Year Fixed
6.000%
6.030%
.000%

*APR=Annual Percentage Rate.

Rates are effective 2/2/2026 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
6.75% (*7.72% APR)
7.75% (*8.73% APR)
Payments amortized over 60 months
10-Year Fixed
$15,000-$500,000
7.00% (*7.53% APR)
8.00% (*8.54% APR)
Payments amortized over 120 months
15-Year Fixed
$15,000-$500,000
7.25% (*7.63% APR)
8.25% (*8.65% APR)
Payments amortized over 180 months
20-Year Fixed
$15,000-$500,000
7.50% (*7.81% APR)
8.50% (*8.83% APR)
Payments amortized over 240 months
*APR=Annual Percentage Rate.
‍
Rates shown above assume owner-occupied, Automated Valuation Model (AVM) available and flag title policy obtained; add 0.75% for non-owner-occupied properties
Payment Example:
An estimated payment amount for a 20-Year fixed rate loan of $50,000 at rate of 7.75% (8.07% APR) and 70% CLTV will result in 240 monthly payments of $410.47 (does not include taxes or insurance).  Payments are amortized over the full term of the loan based on the loan amount, interest rate, and repayment term selected. Actual APR% amounts may differ depending on the loan amount, closing date, term and any applicable fees financed.
‍
Mortgage Insurance:
Mortgage insurance is not required for our Home Equity Loan products.
Rates assume a $50,000 loan amount, 70% CLTV, owner-occupied property and an Automated Valuation Model (AVM) must be available, and flag title policy must be obtained. Add 0.75% to quoted rate for non-owner-occupied properties. California properties only.

Home Equity Lines of Credit Rates

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

7.00% (*7.38% APR)

-Owner Occupied-

8.00%(*8.39% APR)

-Investment Property-

‍

Fixed
$15,000-$500,000

7.74%(*7.85% APR)

-Owner Occupied-

8.74%(*8.87% APR)

-Investment Property-

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

7.99%(*8.35% APR)

-Owner Occupied-

*APR=Annual Percentage Rate

WSJ Prime as of December 10, 2025 6.75%

Rates effective December 10, 2025
‍
For adjustable-rate home equity loans, the APR is based on the Wall Street Journal (WSJ) Prime Rate plus a fixed margin. Your APR may vary quarterly according to changes in the WSJ Prime Rate. The maximum APR that may apply during the term of the loan is 18%.  California properties only.
‍
Fixed-Rate Option During Draw Period: If you select a fixed-rate option, the fixed rate will apply only during the first 5 years of the loan term (the draw period). After the 5-year draw period, your APR will convert to an adjustable rate based on the WSJ Prime Rate plus your margin and may increase monthly for the remaining 15 years of the loan repayment period.
‍
Payment Example: A $50,000 loan with a 5-year fixed-rate draw period at an initial APR of 8.74% would result in monthly payments of approximately $492.08 during the draw period. After the draw period, the rate will adjust quarterly, and your payments may increase.
Fees and Charges:
‍
The following charges apply:
-Processing Fee: $995
-County Recording Fee: Varies by county (estimated at $325)
-These fees are in addition to any third-party charges incurred to open your loan.
-Early Closure Fee: There are NO Early Closure Fees with our Home Equity Loan products.
‍
Rates assume a $50,000 loan amount, 70% CLTV, owner-occupied property and an Automated Valuation Model (AVM) must be available, and flag title policy must be obtained. For loans great than $250,000 or in first lien position additional fees will apply such as Full Title Policy and appraisal at a cost to the borrower.  Add 0.75% to quoted rate for non-owner-occupied properties. California properties only.

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: February 2, 2026

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: February 2, 2026
*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 Youth Saver 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: February 2, 2026

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: February 2, 2026

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: February 2, 2026

Share Certificate Rates

Term
Rate3
APY4
6 months
3.590%
3.65%
12 months
3.348%
3.40%
18 months
3.203%
3.25%
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: February 2, 2026 

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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