Current Rates
Current Rates
Loans & Line of Credit Rates
New & Used Auto Loans
Rates Effective 05/12/2008
New & Used
Auto Loans |
Approximate Term |
APR* |
Amount Financed |
| New or Used |
up to 75 Months ($100 minimum monthly payment) |
5.64%-16.60% |
up to 120%(1) |
| New or Used |
76-84 Months ($30,000 minimum) |
5.64%-6.30% |
up to 120%(1) |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. For {No
Payments for 90 Days} Option: Interest accrues immediately.
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit Union member with a
minimum savings balance of $25. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate
(1)For NEW, the amount financed may be up to 120% of the MSRP, with tax, license and insurance products (such as credit life/disability)included in the 120%. For
USED, the amount financed may be the lesser of the purchase price or 120% of the Base Kelly Retail Blue Book, plus tax, license and insurance products (such as
credit life/disability. For both new and used, GAP and Mechanical Repair/Breakdown Coverage products may be added to the loan amount over and above the 120%.
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Tax Advantage Auto Loans
Rates Effective 05/12/2008
$75 processing fee for Tax Advantage loans
Tax Advantage
Auto Loans |
Term |
Rate |
APR* |
| New or Used |
up to 75 Months ($100 minimum monthly payment) |
5.64%-16.60% |
5.767%-16.745%(1) |
| New or Used |
76 Months ($30,000 minimum) |
5.64%-6.30% |
5.765%-6.426%(1) |
| New or Used |
84 Months ($30,000 minimum) |
5.64%-6.30% |
5.754%-6.415%(1) |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. For {No
Payments for 90 Days} Option: Interest accrues immediately.
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit Union member with a
minimum savings balance of $25. Equal Housing Lender. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate
APR Example - A $20,000 loan for 72 months with a Rate of 7.99% has an APR of 8.126% requires a $350.57 monthly payment
(1)Amount Financed: The Amount Financed may be up to 120% of the amount borrowed, loan amount. For NEW, the amount financed may be up to 120% of the MSRP, with tax,
license and insurance products (such as credit life/disability)included in the 120%. For
USED, the amount financed may be the lesser of the purchase price or 120% of the Base Kelly Retail Blue Book, plus tax, license and insurance products (such as
credit life/disability. For both new and used, GAP and Mechanical Repair/Breakdown Coverage products may be added to the loan amount over and above the 120%.
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
New & Used Motorcycle, Boat & RV Loans
Rates Effective 4/02/2007
New & Used Motorcylce,
Boat & RV Loans |
Approximate Term |
APR* |
Amount Financed |
| New or Used Boat |
up to 240 months |
7.24%-17.74% |
up to 80%(1) |
| New Boat Only |
up to 240 months |
7.49%-17.99% |
81-100%(1) |
| New or Used RV |
up to 240 months |
8.25%-16.75% |
up to 80%(1) |
| New or Used RV |
up to 240 months |
8.50%-17.00% |
81-100%(1) |
| New Motorcycle |
up to 60 months |
9.50% |
up to $25,000(2) |
| Used Motorcycle |
up to 60 months |
11.50% |
up to $25,000(3) |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. For {No
Payments for 90 Days} Option: Interest accrues immediately.
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit Union member with a
minimum savings balance of $25. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate
(1)Amount Financed guidelines for Boats & RV’s: For NEW Boats, amount financed based on the purchase price + tax, license and warranty. For USED Boats, amount
financed based on 80% of NADA average retail or marine appraisal + tax, license and warranty. For NEW RV, up to 100% of amount financed based on purchase price +
tax and license. For USED RV, up to 100% of amount financed based on low Kelly Blue Book or purchase price, whichever is less, including tax & license.
(2)For NEW Motorcycle, amount financed based on 90% of purchase price + tax, license and warranty. Accessories will not be financed.
(3)For USED Motorcycle, must be 6 years old or newer. Amount Financed based on 80% of Kelly Blue Book wholesale value or purchase price, whichever is less + tax,
license and warranty. Accessories will not be financed. Minimum monthly payment of $100. *APR=Annual Percentage Rate.
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Personal Utility Vehicle Loans
Rates Effective 4/02/2007
| Personal Utility Vehicle Loans |
Approximate Term |
APR* |
Amount Financed |
| Personal Watercraft, Dune Buggies, Dirt Bikes and ATVs |
up to 84 months |
9.25%-16.75% |
up to 80% |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. For {No
Payments for 90 Days} Option: Interest accrues immediately. Rates, terms & conditions are subject to change without notice. To take advantage of this offer,
you must be a California Coast Credit Union member with a minimum savings balance of $25. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate |
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Credit Cards
Rates Effective 4/02/2007
| Credit Cards |
APR* |
Amount Financed |
| Platinum Choice Rewards |
9.99%-18.99% |
up to $50,000 |
| Platinum Visa |
9.49%-18.99% |
up to $10,000 |
| Platinum Student Visa |
13.50%(Automatic Payment Required) |
up to $2,000 |
| Platinum Secured Visa |
16.00% |
up to $2,500(1) |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. Rates, terms
& conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit Union member with a minimum savings
balance of $25. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate
(1)100% of Credit Limit must be secured by a pledge on deposit account (funds in a checking, IRA or Money Market Investor cannot be used) with California Coast
Credit Union.
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Line of Credits
Rates Effective 4/02/2007
| Line of Credit |
APR* |
Amount Financed |
| PAL(Pre-Approved Line) |
14.50%(1) |
up to $10,000 |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. Rates, terms
& conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit Union member with a minimum savings
balance of $25. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate
(1)Reflects 1% discount for automatic payments.
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Computer Loans
Rates Effective 4/02/2007
| Computer Loans |
Approximate Term |
APR* |
Amount Financed |
| Computer Loan |
24 Months |
8.40% |
up to $8,000 |
| Computer Loan |
36 Months |
9.50% |
up to $8,000 |
| Computer Loan |
48 Months |
9.90% |
up to $8,000 |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. For {No
Payments for 90 Days} Option: Interest accrues immediately.
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit Union member with a
minimum savings balance of $25. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Other Consumer Loans
Rates Effective 4/02/2007
| Other Consumer Loans |
Approximate Term |
APR* |
Amount Financed |
| Unsecured Signature Loan |
36 and 48 Months |
13.5%(1) |
up to $50,000 |
| Debt Consolidation Loan |
|
15.90% (Automatic Payment Required) |
up to $50,000 |
Loan rates and terms will vary based on the applicant(s) credit worthiness, amount financed and/or amount of down payment. For {No
Payments for 90 Days} Option: Interest accrues immediately.
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit Union member with a
minimum savings balance of $25. Rates are set by the Board of Directors and are subject to change.
* APR=Annual Percentage Rate
(1)Reflects 1% discount for automatic payments.
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Real Estate Rates
1st Mortgages
Equity 80 - Fixed Rate Home Equity Loan
| Rates Effective 4/02/2007 |
 |
Equity 80 - Fixed Rate Home Equity Loan
Loan amount $10,000-$250,000
| Term |
Rate |
CLTV |
Points |
APR* |
| 5-10 Years |
7.25% |
80% |
No |
7.32% |
| 11-20 Years |
7.75% |
80% |
No |
7.80% |
| 20-30 Years |
8.50% |
80% |
No |
8.54% |
Property must be located in California with a maximum combined loan-to-value (CLTV) of 80%. Minimum loan amount of $100,001 required
for terms over 20 years. Closing Costs of $350 to $500 waived if loan remains open for 3 years. A typical loan of $100,000 for 15 years with an APR of 7.80%
requires 180 monthly payments of $941.28. To be eligible for these offers, you must be a California Coast Credit Union member with a minimum savings balance of $25
and meet credit union underwriting requirements. Rates, terms & conditions are subject to change without notice. Equal Housing Lender.
* APR=Annual Percentage Rate
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Equity Advantage Line of Credit
| Rates Effective 05/02/2008 |
|
Equity Advantage Line of Credit - Interest only (1)
Loan amount of $10k-$250k for CLTV up to 80%.
| Term |
CLTV |
APR* |
Index |
Margin |
Points |
Adj Freq |
Floor |
Cap |
| 10 Year Draw / 15 Year Repay |
80% |
5.0%(2) |
Prime |
0% |
No |
1 MO/ 1 MO |
4.50% |
0.50% monthly / 12.00% lifetime |
(1)During the 10 year draw period monthly payments of accrued interest are required. After 10 years, no further advances are permitted
and payments of principal and interest are calculated based on a 15 year repayment schedule. The interest rate may vary during both the 10 year draw and 15 year
repayment periods. To be eligible for these offers, you must be a California Coast Credit Union member with a minimum savings balance of $25 and meet credit union
underwriting requirements. Rates, terms & conditions are subject to change without notice. Equal Housing Lender.
* APR=Annual Percentage Rate
(2)Equity Advantage 80: Annual Percentage Rate (APR) is based on the Wall St Journal Prime plus 0 or Floor Rate of 4.50%, whichever is greater. Minimum $10,000 advance is required at closing, which at current APR of 5.0% would take 180 monthly payments of $79.08 to repay.
|
Calculate your payment with our online calculator
For a printable Rate Sheet, please click here
Savings Rates
Checking & Savings Accounts
Rates Effective 05/01/2008
| Account |
Minimum Balance |
APY* |
Rate |
| Ultra Performance Checking |
$1,500-$9,999 |
0.50% |
0.50% |
| Ultra Performance Checking |
$10,000-$24,999 |
1.50% |
1.49% |
| Ultra Performance Checking |
$25,000-$49,999 |
2.20% |
2.18% |
| Ultra Performance Checking |
$50,000+ |
2.35% |
2.33% |
Free Checking For Life and
No Fee Checking |
|
0.00% |
0.00% |
| Regular Savings |
$25.00 |
0.80% |
0.80% |
| Smart Savings |
$1,000 |
1.20% |
1.19% |
| Money Market Investor |
$0-$9,999 |
0.50% |
0.50% |
| Money Market Investor |
$10,000-$24,999 |
1.50% |
1.49% |
| Money Market Investor |
$25,000-$49,999 |
2.00% |
1.98% |
| Money Market Investor |
$50,000-$89,999 |
2.20% |
2.18% |
| Money Market Investor |
$90,000+ |
2.45% |
2.42% |
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit
Union member with a minimum savings balance of $25. Equal Housing Lender. Rates are set by the Board of Directors and are subject to change.
*APY=Annual Percentage Yield. |
For a printable Rate Sheet, please click here
Certificates
Rates Effective 05/01/2008
| Terms |
$1,000-$9,999
APY* Rate |
$10,000-$49,999
APY* Rate |
$50,000-$89,999
APY* Rate |
$90,000+
APY* Rate |
| 3 Months |
2.10% 2.08% |
2.30% 2.28% |
2.30% 2.28% |
2.30% 2.28% |
| 6 Months |
2.50% 2.47% |
2.70% 2.67% |
2.75% 2.72% |
2.75% 2.72% |
| 9 Months |
2.50% 2.47% |
2.70% 2.67% |
2.75% 2.72% |
2.75% 2.72% |
| 1 Year |
2.60% 2.57% |
2.80% 2.76% |
2.85% 2.81% |
2.85% 2.81% |
| 18 Months** |
2.70% 2.67% |
2.90% 2.86% |
2.90% 2.86% |
2.90% 2.86% |
| 2 Years |
2.80% 2.76% |
3.00% 2.96% |
3.05% 3.01% |
3.05% 3.01% |
| 3 Years |
2.80% 2.76% |
3.00% 2.96% |
3.05% 3.01% |
3.05% 3.01% |
| 4 Years |
2.85% 2.81% |
3.05% 3.01% |
3.10% 3.06% |
3.10% 3.06% |
| 5 Years |
2.95% 2.91% |
3.15% 3.11% |
3.20% 3.15% |
3.20% 3.15% |
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit
Union member with a minimum savings balance of $25. Equal Housing Lender. Rates are set by the Board of Directors and are subject to change.
*APY=Annual Percentage Yield. Penalties for early withdrawal on all certificate accounts.
**For a limited time, a one-time bump up option is available during the term for balances $10,000 and greater, and $2,000 for IRAs.
|
| Account |
Minimum Balance |
APY* |
Rate |
| Holiday Saver Certificate(1) |
$50 |
2.00% |
1.98% |
| Summer Certificate(1) |
$100 |
2.10% |
2.08% |
| Youth Certificates (Ages 13-25)(1)(2) |
$100 |
2.70% |
2.67% |
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast Credit
Union member with a minimum savings balance of $25. Equal Housing Lender. Rates are set by the Board of Directors and are subject to change.
*APY=Annual Percentage Yield. Penalties for early withdrawal on all certificate accounts.
(1)Some restrictions apply
(2)Terms 3-18 months minimum balance $100.00 maximum balance $3000.00 |
For a printable Rate Sheet, please click here
IRAs
Rates Effective 05/01/2008
| Account |
Terms |
Minimum Balance |
APY* |
Rate |
| IRA Savings(1) |
|
$25 |
1.00% |
1.00% |
| IRA Certificates(1) |
3 Months |
$2,000 |
2.30% |
2.28% |
| IRA Certificates(1) |
6 Months |
$2,000 |
2.70% |
2.67% |
| IRA Certificates(1) |
9 Months |
$2,000 |
2.70% |
2.67% |
| IRA Certificates(1) |
1 Year |
$2,000 |
2.80% |
2.76% |
| IRA Certificates(1) |
18 Months** |
$2,000 |
2.90% |
2.86% |
| IRA Certificates(1) |
2 Years |
$2,000 |
3.00% |
2.96% |
| IRA Certificates(1) |
3 Years |
$2,000 |
3.00% |
2.96% |
| IRA Certificates(1) |
4 Years |
$2,000 |
3.05% |
3.01% |
| IRA Certificates(1) |
5 Years |
$2,000 |
3.15% |
3.11% |
Rates, terms & conditions are subject to change without notice. To take advantage of this offer, you must be a California Coast
Credit Union member with a minimum savings balance of $25. Rates are set by the Board of Directors and are subject to change.
*APY=Annual Percentage Yield. Penalties for early withdrawal on all certificate accounts.
**For a limited time, a one-time bump up option is available during the term for balances $10,000 and greater, and $2,000 for IRAs.
(1)Traditional, Roth & Educational/Coverdell
|
For a printable Rate Sheet, please click here
Terms:
Rates, terms & conditions are subject to change without notice. Click on loan categories above for term details.
|
|
