Rates

Rates effective as of 06/01/2018.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Fees may reduce earnings.

Loan Rates

Loan TypeMaximum TermAPR* Range
Summer Auto Loan Special

(Excludes auto beat program) (2012 & New Models)

Up to 130% Loan to Value (LTV) Financing ***84 Mos, Minimum $15,0002.69% – 4.34%

Eligibility is determined by credit worthiness. Terms and restrictions may apply.

New & Used Vehicles

2012 & New Models

Up to 130% Loan to Value (LTV) Financing ***60 Mos, Minimum $5,0002.69% – 17.99%
72 Mos, Minimum $10,0003.29% – 17.99%
84 Mos, Minimum $15,0003.89% – 17.99%
Used Vehicles

2011 & Older

Up to 115% LTV Financing48 Mos, Minimum $5,0003.74% – 17.99%
60 Mos, Minimum $7,5004.34% – 17.99%
72 Mos, Minimum $10,0004.94% – 17.99%
New RVs & Boats

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

Up to 100% LTV Financing84 Mos, Minimum $10,0008.29% – 17.99%
144 Mos, Minimum $15,0009.09% – 17.99%
180 Mos, Minimum $25,0009.89% – 17.99%
New & Used Motorcycle

Includes ATV & PWC's 2012 & newer models

Up to 120% LTV Financing48 Mos, Minimum $5,0007.24% – 17.99%
60 Mos, Minimum $7,5007.64% – 17.99%
72 Mos, Minimum $10,0008.24% – 17.99%
84 Mos, Minimum $15,0008.84% – 17.99%
All Other SecuredUp to 100% LTV Financing60 Mos, Minimum $5,0009.64% – 17.99%
72 Mos, Minimum $10,00010.24% – 17.99%
84 Mos, Minimum $15,00010.84% – 17.99%
Signature12 to 72 monthsUp to $30,000, Minimum $5008.39% – 17.99%
VISA/Secured OnlyRevolving$300 to $2,50014.44% – 17.44%
VISA Platinum**

as low as Prime + 1.74%

Revolving$500 to $30,0006.49% – 17.49%
Share Secured Loans

(Excludes Visa)

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

* 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

Tier structure applies to all share accounts

*APY

APY received is determined by tier

Dividend Rate

Dividend Rate received is determined by tier

Compound Frequency
Membership Share$25Monthly
Share$0$100 - $4,999.010%.010%Monthly
Minor Share$5$5,000 - $9,999.013%.013%Monthly
Gifts to Minor Trust$0$10,000+.025%.025%Monthly
Organization$25Monthly
Account TypeMinmum DepositMinimum Balance to Earn Dividend*APYDividend RateCompound Frequency
Christmas$0$0.13%.13%Monthly
First Choice Money Market$0$2,000 – $9,999.050%.050%Monthly
$10,000 – $24,999.100%.100%Monthly
$25,000 – $74,999.120%.120%Monthly
$75,000 – $249,999.150%.150%Monthly
First Checking$50$100.00%.00%Daily
Freedom Checking$15N/AN/AN/AN/A
ACCESS Checking$50N/AN/AN/AN/A

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
3 MonthFixed$1,000$1,000.15%.15%Monthly
6 MonthFixed$1,000$1,000.25%.25%Monthly
12 MonthFixed$1,000$1,000.40%.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.