Loan Rates

Effective: November 15, 2024


Fixed Rate New Auto Loans

 
Credit Score 48 Months
APR*
60 Months
APR*
72 Months
APR*
84 Months
APR*
700+ 5.59% 5.79% 6.09% 6.84%
650-699 7.09% 7.29% 7.59% 8.34%
600-649 12.59% 12.84% 13.59% 14.59%
550-599 16.59% 16.79% 17.09% 17.84%
550- 17.99% 17.99% 17.99% 17.99%

Fixed Rate Used Auto Loans

 
Credit Score 48 Months
APR*
60 Months
APR*
72 Months
APR*
84 Months
APR*
700+ 5.99% 6.19% 6.49% 7.24%
650-699 7.49% 7.69% 7.99% 8.74%
600-649 12.99% 13.24% 13.99% 14.99%
550-599 16.99% 17.19% 17.49% 17.99%
550- 17.99% 17.99% 17.99% 17.99%

Fixed Rate New and Used Motorcycle Loans

 
Credit Score 48 months
APR*
60 months
APR*
72 months
APR*
700+ 7.99% 7.99% 9.99%
650-699 9.49% 9.49% 11.49%
600-649 15.49% 15.49% 17.99%
550-599 16.99% 16.99% 17.99%
549- 17.49% 17.49% 17.99%

Fixed Rate New and Used Boat/Recreational Loans

 
Credit Score 120 months
APR*
180 months
APR*
240 months
APR*
700+ 7.99% 9.99% 10.49%
650-699 9.49% 11.49% 11.99%
600-649 13.49% 15.49% 15.99%
550-599 15.49% 17.49% 17.99%
550- 17.49% 17.99% 17.99%

Signature Loans

 
Credit Score 36 months
APR*
48 months
APR*
60 months
APR*
N/A Line of Credit
APR*
700+ 9.99% 10.99% 11.99% 9.00%
650-699 11.99% 12.99% 13.99% 9.50%
600-649 14.49% 15.49% 16.49% 13.50%
550-599 15.49% 16.49% 17.49% 16.50%
550- 17.49% 17.99% 17.99% 17.99%

Home Loans

 
Credit Score HELOC
APR*
Second Mortgage
APR*
Up to 240 months Up to 240 months
700+ 7.750% Call Chaffey FCU
Mortgage Team
650-699 8.250% -
600-649 8.750% -
550-599 9.250% -
550- 9.750% -

Personal Line of Credit

 
Credit Score Fixed Auto
APR*
700+ 9.00%
650-699 9.50%
600-649 13.50%
550-599 16.50%
550- 17.99%

Credit Card

 
Credit Score Visa Classic
APR*
Visa Advantage
APR*
Visa Gold
APR*
Visa Platinum
APR*
Visa Secured
APR*
Line Amounts $500-$5,000 $500-$5,000 $5,000-$10,000 $10,000-$25,000 100% of Secured Amount
700+ 14.75% 13.75% 10.90% 9.90% 18.00%
650-699 14.75% 13.75% 10.90% 9.90%
600-649 16.00% 15.00% 11.90%
550-599 18.00% 17.00% 16.00%
550- 18.00% 17.00% 16.00%

*APR: Annual Percentage Rate. Rates are subject to change at any time and are not guaranteed. Loan approval is subject to credit and income evaluation.

Rates include a 0.50% discount for automatic payment.