Rates

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First Mortgage Loan Rates   –     Financial Calculator

Effective as of  December 11, 2017

First Mortgage Loan Rates
Account Type Rate* Points APR*
30 Year Fixed Rate 4.000% 0.000% 4.084%
30 Year Fixed Rate 3.875% 0.500% 4.000%
30 Year Fixed Rate 3.750% 1.250% 3.936%
20 Year Fixed Rate 3.750% 0.000% 3.848%
20 Year Fixed Rate 3.625% 0.625% 3.794%
20 Year Fixed Rate 3.500% 1.375% 3.754%
15 Year Fixed Rate 3.375% 0.000% 3.474%
15 Year Fixed Rate 3.250% 0.500% 3.420%
15 Year Fixed Rate 3.125% 1.125% 3.386%

Rates are subject to change at any time.


Home Equity Lines of Credit   –     Financial Calculator

Effective as of December 11, 2017

Home Equity Lines of Credit

Minimum/Maximum

Loan Amount

FICO Range Max CLTV Margin Introductory Rate
$10,000.00/$100,000.00 800+ 80% 0.75% 5.00%
$10,000.00/$100,000.00 720-799 80% 1.00% 5.25%
$10,000.00/$100,000.00 680-719 80% 1.25% 5.50%

Payment example Home Equity Line of credit: $50,000 Line of Credit at Estimated Variable APR of 5.00% = Payment as low as $395.45 per month.


Home Equity Loans   –     Financial Calculator

Effective as of December 11, 2017

Home Equity Loans
FICO > 800 FICO > 720 > 800 FICO > 680
5.500% APR 5.750% APR 6.250% APR

Home Equity Loans are 15 year terms.  Not available on manufactured homes. Subject to credit approval, underwriting guidelines and LTV = Loan to value. Some restrictions and fees may apply.

Payment example Home Equity Loan: $50,000 Loan at Estimated 5.500%  APR for 15 years = Payment as low as $408.54 per month.

Small Balance Home Equity Loan   –     Financial Calculator

Effective as of December 11, 2017

Small Balance Home Equity Loan
5-Year  10-Year 15-Year
4.000% APR 4.500% APR 5.000% APR

Fixed rate, up to $25,000 equity loan with rapid approval process.

Payment examples:
5-Year Small Balance Home Equity Loan: $25,000 Loan at Estimated 4.000% APR = Payment as low as $460.41 per month.

10-Year Small Balance Home Equity Loan: $25,000 Loan at Estimated 4.500% APR = Payment as low as $259.10 per month.
15-Year Small Balance Home Equity Loan: $25,000 Loan at Estimated 5.000% APR = Payment as low as $197.70 per month.


Consumer Loans Rates   –     Financial Calculator

Effective as of December 1, 2017

Consumer Loans Rates
Account Type APR* as low as Interest Range Max Value / Other Info
Vehicles: New 3.49% ** 3.49% – 11.49% 125% of MSRP (includes tax, license and MRC) + GAP
Vehicles: Used 3.49% ** 3.49% – 11.49% 125% of High Kelley Blue Book (includes tax, license and MRC) + GAP
Boat, RV, Motor home, Horse/Travel Trailer: New 4.99% 4.99% – 12.99% LTV up to 150% of invoice or wholesale NADA guide values
Boat, RV, Motor home, Horse/Travel Trailer: Used 4.99% 4.99% – 12.99% LTV up to 150% of invoice or wholesale NADA guide values where max vehicle age <= 10 years
Motorcycle, Jet Ski, Snowmobile, Campers 8.74% 8.74% – 12.74% 90%
Signature Loan 10.99% 10.99% – 14.99% Not Applicable
Savings Certificate Secured SCCU Certificate rate +3% rate is rounded up to the nearest 1/2% 95%
First Time Auto Loan Program 8.99% 8.99% – 11.24% Rate dependent on LTV: from less than 80% to 100%

Payment example Auto Loan: Estimated APR: $25,000 Loan Amount at 2.99% APR, for 60 months= Payments as low as $449.32 per month. 

Payment example Signature Loan: Estimated APR: $25,000 Loan Amount at 7.94% APR, for 60 months= Payments as low as $507.00 per month. 

Savings   –     Financial Calculator

Effective as of December 1, 2017

Savings
Account Type Min. Deposit Min Balance to Earn Dividends Div Rate APY
Regular/Minor Savings $5.00 $0.01 – $99.99 0.10% 0.10%
Regular/Minor Savings $100+ $100.00 0.13% 0.13%
Holiday Club* $5.00 $0.00 0.13% 0.13%
Tax Club* $5.00 $0.00 0.13% 0.13%
Vacation Club* $5.00 $0.00 0.13% 0.13%
Back to School Club* $5.00 $0.00 0.13% 0.13%
IRA Savings $0.00 $0.00 0.18% 0.18%

Checking Rates

Effective as of December 1, 2017

Checking Rates
Account Type Min. Deposit Min Balance to Earn Dividends Div Rate APY
Budget Checking $25.00 $0.00 0.00% 0.00%
Easy Checking $25.00 $0.00 0.00% 0.00%
Dividend Checking $25.00 $0.01 – $2,499.99 0.00% 0.00%
Dividend Checking $2,500.00 $2,500.00 – $9,999.99 0.06% 0.06%
Dividend Checking $10,000.00 $10,000 – $24,999.99 0.15% 0.15%
Dividend Checking $25,000.00 $25,000 – $49,999.99 0.15% 0.15%
Dividend Checking $50,000.00 $50,000 – $99,999.99 0.25% 0.25%
Dividend Checking $100,000+ $100,000.00 0.25% 0.25%
Business Checking – Simplified $25.00 $0.00 0.00% 0.00%
Business Checking – Maximizer $25.00 $0.00 0.00% 0.00%

Visa® Card Rates   –     Financial Calculator

Effective as of December 1, 2017

Visa® Card Rates
Account Type APR Max Value / Other Info
Visa Platinum Plus Introductory Rate of 8.99% for the first 6 payment cycles Low variable rate that adjust to prime interest rate plus 6.99% after the introductory rate period. $25 Annual fee charged on opening date month anniversary each year. 25-day grace period on purchases. UChoose Rewards!
Visa Platinum Introductory Rate of 7.99% for the first 6 payment cycles Low variable rate that adjust to prime interest rate plus a 4.99% after the introductory rate period. No annual fee. 25-day grace period
Visa Gold Plus Introductory Rate of 11.99% for the first 6 payment cycles Low variable rate that adjust to prime interest rate plus 9.99% after the introductory rate period. $25 Annual fee charged on opening date month anniversary each year. 25-day grace period on purchases. UChoose Rewards!
Visa Gold Introductory Rate of 10.99% for the first 6 payment cycles Low variable rate that adjust to prime interest rate plus a 7.99% after the introductory rate period. No annual fee. 25-day grace period
Visa Classic Introductory Rate of 17.99% for the first 6 payment cycles Low variable rate that adjust to prime interest rate plus a 14.99% after the introductory rate period. No annual fee. 25-day grace period
Secured Credit-Builder Visa 22.99% Must maintain the Secured VISA credit line + $200 in the special share certificate security deposit. No grace period.

 


Share Certificate Rates – Do you qualify for a rate bump? Click Here to see if you qualify   –     Financial Calculator

Effective as of December 1, 2017

Share Certificate Rates
Base Rate $500-$49,999 $50,000-$99,999 $100,000+
Div Rate APY Div Rate APY Div Rate APY
3-month 0.50% 0.50% 0.55% 0.55% 0.60% 0.60%
6-month 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%
12-month 0.65% 0.65% 0.70% 0.70% 0.75% 0.75%
18-month 0.80% 0.80% 0.85% 0.85% 0.90% 0.90%
24-month 1.00% 1.00% 1.05% 1.06% 1.10% 1.11%
26-month 1.49% 1.50% 1.49% 1.50% 1.49% 1.50%
36-month 1.25% 1.26% 1.30% 1.31% 1.35% 1.36%
48-month 1.40% 1.41% 1.45% 1.46% 1.50% 1.51%
60-month 1.75% 1.76% 1.80% 1.81% 1.85% 1.87%

Money Market / IRA Rates   –     Financial Calculator

Effective as of December 1, 2017

Money Market / IRA Rates
Account Type Min. Deposit Min. Balance to Earn Dividends Div Rate APY
Flex Money Market $0.00 $0.01 – $2,499.99 0.13% 0.13%
Flex Money Market $2,500.00 $2,500 – $9,999.99 0.23% 0.23%
Flex Money Market $10,000.00 $10,000 – $24,999.99 0.28% 0.28%
Flex Money Market $25,000.00 $25,000 – $49,999.99 0.30% 0.30%
Flex Money Market $50,000.00 $50,000 – $99,999.99 0.35% 0.35%
Flex Money Market $100,000.00 $100,000+ 0.40% 0.40%
Investor Money Market $0.00 $0.01 – $24,999.99 0.13% 0.13%
Investor Money Market $25,000.00 $25,000 – $49,999.99 0.35% 0.35%
Investor Money Market $50,000.00 $50,000 – $99,999.99 0.40% 0.40%
Investor Money Market $100,000.00 $100,000+ 0.45% 0.45%
IRA Money Market Savings $0.00 $0.01 – $2,499.99 0.13% 0.13%
IRA Money Market Savings $2,500.00 $2,500 – $9,999.99 0.23% 0.23%
IRA Money Market Savings $10,000.00 $10,000 – $24,999.99 0.28% 0.28%
IRA Money Market Savings $25,000.00 $25,000 – $49,999.99 0.30% 0.30%
IRA Money Market Savings $50,000.00 $50,000 – $99,999.99 0.35% 0.35%
IRA Money Market Savings $100,000.00 $100,000+ 0.40% 0.40%
First Mortgage Loan: An interest rate is the price borrowers pay for the use of money they borrow from a lenders.
The term annual percentage of rate (APR) describes the interest rate for a whole year (annualized). The APR differs from the interest rate due to the addition of any closing fees paid to obtain a loan.
The information provided here assumes the purpose of the loan is to purchase a property, with a loan amount of $194,000 and an estimated property value of $200,000, with a 3% down payment equal to $6,000. the property is located in Yuba City, CA and is within Sutter County. The property is an existing single family residence and will be used as a primary residence. The rate lock period is 30 days and the assumed credit score is 740. At a 4.875% interest rate, the APR for this loan type is 5.293%. The payment schedule for a 30 year term loan would be: 359 payments of $1,026.67 and 1 payment of $1,026.67.If an escrow account is required or requested, the actual monthly payment will include amounts for real estate taxes and homeowners insurance premiums.
**APR’s=Annual Percentage Rates, are based on principal & interest payments on a $200,000 loan amount for mortgage products.
All mortgage rates based on a 30 day rate lock.
LTV=Loan to Value ratio requires private mortgage insurance over 80% LTV and are subject to certain restrictions for approval.
All loans subject to credit approval and some restrictions may apply.
Home Equity Line of Credit *Above rates based on 25 year term, principal & interest. Introductory rate period then adjusts to current Wall Street Journal Prime Rate + a margin, as designated above.  All HELOCs will have a 10-year draw period.  Maximum CLTV for single family detached primary residence is 80%.  Maximum CLTV for 2-4 unit family primary residence is 70%. Maximum CLTV for second homes is 70%. No manufactured homes. No condominiums. No investment properties. HELOCs in first position are limited to a maximum 60% LTV ratio. All HELOCs have a $100.00 annual fee.  All HELOCs have a $500.00 early closure fee, if the loan is closed by member within 3 years of the origination date.  Ceiling rate is 18.00% and floor is 4.000%. Some restrictions and fees may apply. All loans subject to credit approval and LTV. 
Home Equity Loan Home Equity Loans are 15 year terms.  Not available on manufactured homes. Subject to credit approval, underwriting guidelines and LTV = Loan to value. Some restrictions and fees may apply.
Small Balance Home Equity Loan: Fixed rate, under $25,000 equity loan with rapid approval process.
Auto-Loan-Payment-example (1)
Consumer Loan Rates: *Rates and Annual Percentage Rates (APRs) may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.
** Members with accounts opened greater than 6 months receive an additional .25% discount on loan rate for New and Used Autos.

 

 

Savings/Share deposit Rates: Annual Percentage Yield shown as APY and is based on the assumption that the interest will remain on deposit. Rates subject to change without notice. Membership and/or participation fees may apply and could reduce earnings.  Federally insured by the NCUA.
*A penalty may be imposed for early withdrawal. Balances over allowed maximum for club accounts earn regular savings dividend rate. The maximum limits are as follows: Holiday Club = $10,000.00, Tax Club = $25,000.00, Vacation Club = $15,000.00, Back To School Club = $20,000.00
Checking Account Rates: Annual Percentage Yield shown as APY. Rates are subject to change without notice. Federally insured by the NCUA.
*Fees could reduce the earnings on interest bearing checking accounts*
VISA CARDS: APR = Annual Percentage Rate. APR may vary. View more info on our Visa card features. A fee of $25.00 will be assessed for cash advances exceeding $200.00 total per day. See Credit Card Disclosure for full details.
Rates are subject to change without notice.
Rates are subject to change at any time.
*Interest Rate/Annual Percentage Rate (APR)
All loans subject to credit approval and some restrictions may apply.
Share Certificate Rates: Annual Percentage Yield shown as APY and based on the assumption the interest will remain on deposit until maturity.  Rates are subject to change without notice. A penalty may be imposed for early withdrawal. Membership and/or participation fees may apply and could reduce earnings. Funds are federally insured by the NCUA
Money Market Rates: NOTE: Dividend reverts to the rate paid on regular savings if amount falls below the minimum balance. Fees could reduce the earnings on interest bearing accounts. Annual Percentage Yield shown as APY and based on the assumption interest will remain on deposit. Rates are subject to change without notice. Funds are federally insured by the NCUA.