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Auto Loans

Loan TypeGuidelinesWide Range of Available TermsAnnual % Rates for 36-84 mo.'s 80% financing*
New Vehicles - less than 7,000 milesincludes, License, GAP & MBP36-84 Months2.20% / 3.75%
Used Vehicles - 2016 - 2020includes, License, GAP & MBP36-72 Months2.50% / 3.50%
Used Vehicles 2013 - 2015includes, License, GAP & MBP36-60 Months4.28% - 5.13%
Older Used Vehicles60 Months7.49%
Classic VehiclesAsk our Loan Dept. for Details60 Months7.99%
Commercial Vehicles80% of Appraised Value60 Months6.24%
This loan guide is meant to provide general information only. Rates, terms and conditions are not guaranteed and are subject to change without notice.
Current as of September 30th, 2020

Recreational Vehicles

Loan TypeGuidelinesWide Range of Available TermsAnnual % Rates for 36-84 mo.'s 80% financing*
New/Used Boat & TrailerNew - 90%60 / 120 Months4.95% / 6.95%
Motorhome or Travel TrailerUsed - 80%60 / 120 Months4.95% / 6.95%
Personal Watercraft80%60 / 120 Months4.95% / 6.95%
Motorcycles80%60 / 72 Months4.95% / 5.95%
This loan guide is meant to provide general information only. Rates, terms and conditions are not guaranteed and are subject to change without notice.
Current as of September 30th, 2020

Mortgage Products

Loan TypeGuidelinesWide Range of Available TermsAnnual % Rates for 36-84 mo.'s 80% financing*
1st Trust Deed LoansUp to 80% LTVUp to 30 yearsAsk for current rate
2nd Trust Deed LoansUp to 70% LTV / max $200kUp to 15 years4.50%
Home Equity Line of Credit (HELOC)Up to 60% LTV - max $200k10 Yr. Draw3.50%
Home Equity Line of Credit (HELOC)Up to 70% LTV - max $200k10 Yr. Draw4.00%
HELOC - Fixed Rate Intro Rate -12 monthsUp to 70% LTV / max $200k10 Yr. Draw2.99%
HELOC - Fixed Rate Intro Rate -18 monthsUp to 70% LTV / max $200k10 Yr. Draw3.25%
Fixed 2nd* Up to 70% LTV / max $200k5 years3.50%
Fixed 2nd* Up to 70% LTV / max $200k7 years3.75%
Fixed 2nd* Up to 70% LTV / max $200k10 years4.00%
Retire your Mortgage* 1st Trust Deed - 50% LTV5 years2.75%
Retire your Mortgage* 1st Trust Deed - 50% LTV7 years2.95%
Retire your Mortgage* 1st Trust Deed - 50% LTV10 years3.20%
This loan guide is meant to provide general information only. Rates, terms and conditions are not guaranteed and are subject to change without notice.
Current as of September 30th, 2020

Personal Loans

Loan TypeGuidelinesWide Range of Available TermsAnnual % Rates for 36-84 mo.'s 80% financing*
Share Secured LoanShare Available Balanceup to 60 Months2.5% above Div. Rate
Certificate Secured LoansCertificate term match to loan6 - 60 Months2.5% above Div. Rate
Signature LoansFixed Term Personal Loan12 / 36 /60 Months6.95 / 7.95 / 9.45%
Quick Cash LoanSee Loan Dept. for payment terms12 Months18.00%
Ready ChekRevolving Line of CreditN/A9.45%
Share Draft OverdraftMax. $1000 - Overdraft LoanN/A16.00%
This loan guide is meant to provide general information only. Rates, terms and conditions are not guaranteed and are subject to change without notice.
Current as of September 30th, 2020

Credit Cards

Loan TypeGuidelinesAnnual % Rates for 36-84 mo.'s 80% financing*
VisaNo Annual Fee (West Covina Cards Excepted)12.90%
Shares Secured VisaNo Annual Fee15.90%
This loan guide is meant to provide general information only. Rates, terms and conditions are not guaranteed and are subject to change without notice.
Current as of September 30th, 2020
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