Rates

Rates effective as of 09/01/2017.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Fees may reduce earnings.

Loan Rates

Loan TypeMaximum TermAPR* Range
New & Used Vehicles

2011 & New Models

Up to 130% Loan to Value (LTV) Financing ***60 Mos, Minimum $5,0002.29% – 17.49%
72 Mos, Minimum $10,0002.79% – 17.49%
84 Mos, Minimum $15,0003.28% – 17.49%
Used Vehicles

2010 & Older

Up to 115% LTV Financing48 Mos, Minimum $5,0003.34% – 17.49%
60 Mos, Minimum $7,5003.84% – 17.49%
72 Mos, Minimum $10,0004.33% – 17.49%
New RVs & Boats

2008 & Newer. Contact credit union for 2007 and older models.

Up to 110% LTV Financing84 Mos, Minimum $10,0008.23% – 17.49%
144 Mos, Minimum $15,0009.74% – 17.49%
180 Mos, Minimum $25,00010.24% – 17.49%
204 Mos, Minimum $40,00011.74% – 17.49%
New & Used Motorcycle

Includes ATV & PWC's 2012 & newer models

Up to 120% LTV Financing48 Mos, Minimum $5,0007.24% – 17.49%
60 Mos, Minimum $7,5007.74% – 17.49%
72 Mos, Minimum $10,0008.24% – 17.49%
84 Mos, Minimum $15,0008.74% – 17.49%
All Other SecuredUp to 115% LTV Financing60 Mos, Minimum $5,0009.24% – 17.49%
72 Mos, Minimum $7,5009.74% – 17.49%
Signature12 to 72 monthsUp to $30,000, Minimum $5007.99% – 17.49%
VISA/Secured OnlyRevolving$300 to $2,50013.94% – 16.19%
VISA Platinum**

as low as Prime + 1.74%

Revolving$500 to $30,0005.99% – 17.99%
Share Secured Loans

(Excludes Visa)

Up to $100,000,
6 to 12 Months
Minimum $500Account Rate + 3.00%
1st Mortgage

See our rates at solanofirst.mortgagewebcenter.com

* ANNUAL PERCENTAGE RATE; interest rate based on credit history


** VISA Platinum product is a VARIABLE RATE LOAN


***Maximum Up To 130% LTV. Actual amount financed is based on credit history and may include taxes, licensing, warranties, and GAP.


LTV = Loan to Value. Base on MSRP - New Vehicles; KBB or NADA Retail Book Used Values


****For refinances of Solano First Consumer Loans add .75% to the above rates or take min cash out of $1,000 09/01/2017***

Deposit Rates

Account TypeMinimum DepositMinimum Balance to Earn Dividend*APYDividend RateCompound Frequency
Membership$25$100 – $10,000+.05%.05%Monthly
Share$0$100 – $10,000+.05%.05%Monthly
Minor Share$5$100 – $10,000+.05%.05%Monthly
Gifts to Minor Trust$0$100 – $10,000+.05%.05%Monthly
Organization$25$100 – $10,000+.05%.05%Monthly
Account TypeMinmum DepositMinimum Balance to Earn Dividend*APYDividend RateCompound Frequency
Christmas$0$0.05%.05%Monthly
First Choice Money Market$0$2,000 – $9,999.00%.00%Monthly
$10,000 – $24,999.15%.15%
$25,000 – $74,999.15%.15%
$75,000+.15%.15%
First Checking$50$100.00%.00%Daily
Freedom Checking$15N/AN/AN/AN/A
Liquid Money$0$2,000.00%.00%Daily

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Freedom Checking is a non-dividend bearing account.

Certificates

Certificate TypeRate TypeMinimum Opening DepositMinimum Balance Required*APYDividend RateCompound Frequency
6 MonthFixed$1,000$1,000.26%.25%Monthly
12 MonthFixed$1,000$1,000.35%.35%Monthly
24 MonthFixed$1,000$1,000.46%.45%Monthly
36 MonthFixed$1,000$1,000.56%.55%Monthly
48 MonthFixed$1,000$1,000.76%.75%Monthly
60 MonthFixed$1,000$1,0001.06%1.05%Monthly
24 MonthVariable$1,000$1,0001.41%1.40%Monthly

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Penalty for early withdrawal.