Rates

Rates effective as of 11/1/2019.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Fees may reduce earnings.

 

Loan Rates

Print 
Loan Type   Maximum Term APR* Range
New & Used Vehicles

2013 & Newer Models

Up to 130% Loan to Value (LTV) Financing *** 60 Mos, Minimum $5,000 2.49% – 17.99%
    72 Mos, Minimum $10,000 2.49% – 17.99%
    84 Mos, Minimum $15,000 2.49% – 17.99%
Used Vehicles

2013 & Older

Up to 115% LTV Financing 48 Mos, Minimum $5,000 4.06% – 17.99%
    60 Mos, Minimum $7,500 4.62% – 17.99%
    72 Mos, Minimum $10,000 5.19% – 17.99%
New RVs & Boats

2010 & Newer. Contact credit union for 2009 and older models.

Up to 100% LTV Financing 84 Mos, Minimum $10,000 8.54% – 17.99%
    144 Mos, Minimum $15,000 9.59% – 17.99%
    180 Mos, Minimum $25,000 10.64% – 17.99%
New & Used Motorcycle

Includes ATV & PWC's 2013 & newer models

Up to 120% LTV Financing 48 Mos, Minimum $5,000 7.24% – 17.99%
    60 Mos, Minimum $7,500 7.64% – 17.99%
    72 Mos, Minimum $10,000 8.39% – 17.99%
    84 Mos, Minimum $15,000 9.19% – 17.99%
All Other Secured Up to 100% LTV Financing 60 Mos, Minimum $5,000 9.64% – 17.99%
    72 Mos, Minimum $10,000 10.39% – 17.99%
    84 Mos, Minimum $15,000 11.09% – 17.99%
Signature 12 to 72 months Up to $30,000, Minimum $500 8.64% – 17.99%
VISA/Secured Only Revolving $300 to $2,500 14.94% – 17.49%
VISA Platinum**

as low as Prime + 1.74%

Revolving $500 to $30,000 6.99% – 17.49%
Share/CD Secured Loans

(Excludes Visa)

Up to $100,000,
6 to 12 Months
Minimum $500 Account 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 Type Minimum Deposit Minimum 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 $25       Monthly
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 $25       Monthly
Account Type Minmum Deposit Minimum Balance to Earn Dividend *APY Dividend Rate Compound 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
    $250,000+ .025% .025% Monthly
First Checking $50 $100 .00% .00% Daily
Freedom Checking $15 N/A N/A N/A N/A
ACCESS Checking $50 N/A N/A N/A N/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 Type Rate Type Minimum Opening Deposit Minimum Balance Required *APY Dividend Rate Compound Frequency
3 Month Fixed $1,000 $1,000 .15% .15% Monthly
6 Month Fixed $1,000 $1,000 .25% .25% Monthly
12 Month Fixed $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.