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Loan Rates

Loan Rates

(Rates subject to change at any time without notice)

New and Used Car Loans as low as 1.99% APR[1]

Up to 66 Months with FICO Credit Score of 740 or greater. To be used for the purchase of a new or used car (or refinance from another lender). Refinancing of existing MCCU auto loans not eligible for the 1.99% APR. Must meet credit and income criteria. Rate reflects Automatic Payment discount of .50% and Platinum Membership discount of .50%.

Loan Rates
Effective Date: February 1, 2018
Terms up to:FICO Score APR[1]Payment per $1,000[2]
New and Used Auto    
48 Months 1.99% $21.70
60 Months 1.99% $17.53
72 Months 2.99% $15.20
84 Months 4.99% $14.14
Motorcycles[6]    
60 Month term (New) 7.99% $20.28
48 Month term (Used) 7.99% $24.41
RVs[6]    
60 Month term (New)
(Up to 120 months for balances over $35,000)
9.00% $20.76
60 Month term (Used)
(Up to 120 months for balances over $35,000)
9.25% $20.88
New Boats[6]    
60 Month term 8.75% $20.64
Used Boats[6]    
up to 5 years old 9.00% $20.76
Solar Loans[6][7]    
144 Month term (borrow up to $75,000)
Other rates and terms available.
2.99% $8.28
Personal[6]    
up to 60 Months (fixed rate)
Borrow up to $15,000
9.90% $21.21
Personal Loan (up to 60 months) or Line of Credit[4]    
(variable rate)
Borrow up to $15,000
10.54%  
Share Secured Call  
Certificate Secured
same as certificate term
Call  
Home Equity Line of Credit[5] 5.24%  
Mortgages
Purchases and Refinances
Call us for more information - 818.993.6328  
Home Energy Loans[6] 5.99% $19.34

Other Loan Types available. Please call for information.

[1] All rates quoted by Annual Percentage Rate (APR). Rates quoted are lowest preferred rates based on a 740 or greater FICO Credit Score. Other rates available based on credit worthiness. Automatic payments required. Rates are subject to change at any time.

[2] Sample payment based on stated rate.

[3] AUTO LOANS: requires insurance coverage from a California admitted carrier; Comprehensive and Collision with $1,000 deductible. New autos up to 120% of invoice. The definition of a "New" auto is a current model year or prior model year with less than 10,000 miles. Used autos up to 120% of Retail Blue Book value, maximum age for vehicles 7 years. Used autos 8-10 years old up to 120% of Wholesale Blue Book value. Additional restrictions may apply.

[4] Variable rate based on one-year T-Bill 1.79% APR plus 8.75% margin.

[5] APR=Annual Percentage Rate. Minimum rate is 5.24%. Variable rate of Prime +.74% , based on the Prime Rate as published in the Money Rates table of the Wall Street Journal. Quoted rate based on 740 or higher FICO Credit Score. Other rates and terms available. Maximum cap rate is 12.49%. $30,000 minimum draw. Maximum combined loan to value (CLTV) of 80% up to $500,000.

[6] Rate includes automatic payment discount of .50%.

[7] APR=Annual Percentage Rate. Rates subject to change at any time. Must meet credit and income criteria. Rate quoted is the preferred rate with a minimum 690 FICO. Subject to credit approval and membership eligibility. Other rates and terms available. UCC1 lien will be recorded on property.

 


RVs: New up to 100% of MSRP. Used up to 5 years old, NEW RVs - 60 Month Term 100% Retail Blue Book value. 6-10 years old, 100% of Wholesale Blue Book value.

MOTORCYCLES: New motorcycles up to 100% of MSRP. Used Motorcycles up to 100% of Retail Blue Book value.

BOATS: New maximum loan = 75% of the purchase price. Used, up to 75% of appraisal. A title to both the boat and trailer are required.

Energy Loans: Loans must qualify for The Residential Energy Efficiency Loan Assistance Program (REEL)

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