Loan Rates

Personal Loans	Rate	APR*	Term	Approximate Payment Per $1000 Borrowed
VISA	9.00	9.00	25 Day Grace Period, No Annual Fee	3% of balance
Overdraft Line-of-Credit	10.00	10.00	Open	$32.50
Personal Loan	10.00	10.00	36 Months	$32.87
Share Loan	4.25	4.25	12-84 Months	$15.10-$29.98

Vehicle Loans	Rate	APR*	Term	Typical Payment $20,000 Loan	Approx Payment Per $1000
New Auto – 60 Mo. Financing	4.74	4.74	60 Months	$376.06	$18.76
New Auto – 72 Mo. Financing	6.54	6.54	72 Months	$336.68	$16.84
New Auto – 84 Mo. Financing	7.64	7.64	84 Months	$308.26	$15.42
Tax Advantage New/Used Autos/Trucks – $100.00 Processing Fee- Rate same as Autos
*All auto rates reflect a .50% discount for direct deposit and automatic payment. Financing may include tax, license, documentation fees, and extended warranty/MBI/GAP. Longer rates may be available. Ask for rates for older vehicles (2005 and earlier). $50 processing fee.

Recreational Vehicles
Rate and Term varies by type of vehicle financed

Real Estate Equity Loans	1 Point Rate/APR	0.5 Point Rate/APR	0 Point Rate/APR	Typical Payment $200,000 Loan	Approx Payment Per $1000
1st Trust Deed- 5/15	5.25/5.288%	5.45/5.488%	5.65/5.688%	$1608.35	$8.05
2nd Trust Deed-5/15	5.54/5.788%	5.74/5.778%	6.04/6.079%	$1639.05	$8.20
1st TD Secondary Property 5/12	5.25/5.295%	5.45/5.490%	5.65/5.696%	$1875.58	$9.38

Primary Residence to 70% LTV, Secondary Property to 65% LTV. Rates quoted apply to loans up to $417,000. Rates may reset at 5 year intervals. Ask for rates for larger loans or for longer amortization (up to 20 years). No prepayment penalties. Borrower pays appraisal, title search, and recording fees. $495 Processing Fee.
Call 714-985-6117 or 714-577-8454 ext 117 for information or rates on other programs (ARM, varying term, varying points, etc.)

Home Equity Line of Credit	Rate	Points	APR*
Up to $250,000. California Primary Residence – 10 Yr. Draw, 15 Yr. Repayment. 70% LTV. $400 Processing fee. Rate tied to prime rate. Floor: 6.00% Index: Prime Rate

*APR =Annual Percentage RateRates, terms and loan amounts are based on approved credit and determined by a managed risk program. All rates and terms are subject to change without notice. Rates are subject to qualified credit. Rates quoted are those available for “A+” credit. Minimum loan payment is $25.