Rates

**APR= Annual Percentage Rate. Rates as low as 8.365% APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 8.365% to 18.000% APR. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to Credit Union approval. Terms offered up to 120 months**. Other rates and terms are available. All loan rates quoted above (excluding credit cards) include a 2.000% discount for automatic payments; if opting out of automatic payments add 2.000% to base rate Maximum loan term based on amount financed. Payment amount per every $1,000 borrowed at 8.365% for 24 months equals $45.39 per month. For more payment samples, use our payment calculator or call 408-282-0700.

¹ APR = Annual Percentage Rate. Introductory Purchases and Balance Transfer APRs 2.990% to 9.990% for VISA Platinum and 4.990% to 11.990% for VISA Platinum Rewards available as of 4/9/2018.  Purchase and post-introductory balance transfer APRs 7.990% to 14.990% for VISA Platinum and 9.990% to 16.990% for VISA Platinum Rewards as of 4/9/2018. Introductory Balance Transfer and purchase and post-introductory APRs offered to approved applicants depend on credit qualifications. Rates and terms subject to change.  All loans subject to credit approval and income verification. If under 21 must prove financial independence or have a qualified co-borrower over age 21. Refer to the Credit Card Agreement and the Application & Solicitation Disclosure for additional information. U.S. issued cards only. VISA’s Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by VISA. ² Refer to Disclosure for Personal Line of Credit.

(1) Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval.  You will be notified of the base rate for which you qualify when your loan request is approved. All rates include a 2.000% discount for automatic payments; if opting out of automatic payments add 2.000% to base rate. Payment example: Pay $28.80 per month per $1,000 borrowed at 2.365% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.

(2) APR = Annual Percentage Rate. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. 7.615% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Rates include 2.000% automatic payment discount, add 2.000% for manual payment. Discounts do not apply to promotional rate loans and inhouse refinances. Payment amount per every $1,000 borrowed at 7.615% for 60 months equals $20.09 per month. Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required.

For the purpose of this disclosure, the dividend rate and annual percentage stated for the term accounts listed were offered within the most recent seven calendar days and were accurate as of the above date. Dividends will be compounded monthly and will be credited monthly. Fees may reduce the earnings on the account if there is maintenance or activity fees associated with the account. A penalty may be imposed for early withdrawal. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. government agency. Please call (408) 282-0700 to obtain the most current information.

Truth In Savings Disclosure

Fee Schedule

*”Minimum Opening Balance” and “Minimum Earning Balance” represent the minimum deposit balance required for every tier of the Members’ Choice Money Market Account to earn the corresponding stated dividend rate. Should the deposit balance move from one tier to another, the corresponding stated dividend rates of those given tiers will be applied to calculate the dividends paid using daily ending deposit balances. Dividends will be compounded monthly and will be credited monthly. Fees may reduce the earnings on the account if there are maintenance or activity fees associated with the account. Members’ accounts are insured by the National Credit Union Administration up to $250,000, and IRA funds are insured separately up to $250,000 by the NCUA.