|
|
 |
Interest Rates
|
Dividend/Share Rates
 |
|
| $0.00 - $999.99 |
0.00% |
0.00% |
|
| $1,000.00 - $9,999.99 |
0.30% |
0.30% |
|
| $10,000.00 + |
0.40% |
0.40% |
|
| Ultra Rewards Rates |
|
| $0 - 25,000.00 |
3.50% |
3.56% |
|
| $25,000.01 + |
0.25% |
0.25% |
|
|
|
| $0.00 - $299.99 |
0.40% |
0.40% |
|
| $300.00 - $2,499.99 |
0.50% |
0.50% |
|
| $2,500.00 + |
0.55% |
0.55% |
|
|
|
| $0.00 - $2,499.99 |
0.55% |
0.55% |
|
| $2,500.00 + |
0.70% |
0.70% |
|
|
|
| $0.00 - $2,499.99 |
0.55% |
0.55% |
|
| $2,500.00 + |
0.70% |
0.70% |
|
|
|
| $0.00 - $999.99 |
0.00% |
0.00% |
|
| $1,000.00 - $9,999.99 |
0.77% |
0.77% |
|
| $10,000.00 - $24,999.99 |
1.13% |
1.14% |
|
| $25,000.00 - $49,999.99 |
1.44% |
1.45% |
|
| $50,000.00 - $99,999.99 |
1.58% |
1.59% |
|
| $100,000.00 + |
1.66% |
1.67% |
|
|
|
| Maturity |
1.10% |
1.11% |
$1,000.00 |
3 months |
|
| Maturity |
1.25% |
1.26% |
$1,000.00 |
6 months |
|
| Monthly |
2.10% |
2.12% |
$50.00 |
1 year add on |
|
| Monthly |
2.22% |
2.24% |
$1,000.00 |
2 years |
|
| Quarterly |
2.50% |
2.53% |
$1,000.00 |
3 years |
|
| Quarterly |
2.68% |
2.72% |
$1,000.00 |
4 years |
|
| Quarterly |
3.17% |
3.22% |
$1,000.00 |
5 years |
|
|
|
IRA 1 year
paid monthly |
2.10% |
2.12% |
$50.00 |
1 year |
|
IRA 2 years
paid quarterly |
2.22% |
2.24% |
$1,000.00 |
2 years |
|
IRA 3 years
paid quarterly |
2.50% |
2.53% |
$1,000.00 |
3 years |
|
IRA 4 years
paid quarterly |
2.68% |
2.72% |
$1,000.00 |
4 years |
|
IRA 5 years
paid quarterly |
3.17% |
3.22% |
$1,000.00 |
5 years |
|
| 1 year ROTH IRA |
2.10% |
2.12% |
$50.00 |
1 year |
|
| 2 year ROTH IRA |
2.22% |
2.24% |
$1,000.00 |
2 years |
|
| 3 year ROTH IRA |
2.50% |
2.53% |
$1,000.00 |
3 years |
|
| 4 year ROTH IRA |
2.68% |
2.72% |
$1,000.00 |
4 years |
|
| 5 year ROTH IRA |
3.17% |
3.22% |
$1,000.00 |
5 years |
|
1 year ROTH IRA
Transfer |
2.10% |
2.12% |
$50.00 |
1 year |
|
2 year ROTH IRA
Transfer |
2.22% |
2.24% |
$1,000.00 |
2 years |
|
3 year ROTH IRA
Transfer |
2.50% |
2.53% |
$1,000.00 |
3 years |
|
4 year ROTH IRA
Transfer |
2.68% |
2.72% |
$1,000.00 |
4 years |
|
5 year ROTH IRA
Transfer |
3.17% |
3.22% |
$1,000.00 |
5 years |
|
|
|
| Health Savings |
$0.00 |
1.44% |
1.45% |
|
| Savings IRA |
$0.00 |
1.44% |
1.45% |
|
|
Mortgage Rates
Home loans are available on residential zoned properties located in California. All applications are subject to lending criteria approval including, but not limited to, credit history, property approval, and loan to value.
The Annual Percentage Rates (APRs) presented are for owner-occupied properties. These rates are those extended to our most creditworthy applicants. The APRs reflect fees of $378, which consist of $18 for flood determination, $60 for tax service, and a $300 processing fee. The APRs also reflect any points (including origination and discount fees) listed. All rates, terms and conditions presented are effective 1/6/09 and are subject to change without notice.
Flood, property hazard and/or mortgage insurance may be required and may result in a higher APR. If the loan includes an escrow impound account, any changes to the cost of real estate taxes and insurance may affect the total monthly payment amount.
Please call the Real Estate Department at (858) 495-3400 for specific program terms, features and restrictions or for information about other available rates and programs.
Fixed Rate Mortgages
|
|
| Interest-Only |
5.125% - 7.125% |
0.000% |
5.132% - 7.132% |
$4.27 - $5.94 |
|
Payments are interest-only for the first three years before beginning full repayment (principal and interest) for the remaining term of the loan. Maximum term is 30 years. *.50% will be added to the interest rate for any loan amount in excess of $546,250 if the property is located in San Diego County and $417,000 if the property is located in Riverside County. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
 A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
|
|
|
| 40 Year Fixed |
5.375% - 7.375% |
0.000% |
5.383% - 7.383% |
$5.07 - $6.49 |
|
| |
5.250% - 7.250% |
0.375% |
5.286% - 7.291% |
$4.99 - $6.40 |
|
| |
5.125% - 7.125% |
1.000% |
5.207% - 7.220% |
$4.91 - $6.31 |
|
| 30 Year Fixed |
5.125% - 7.125% |
0.000% |
5.134% - 7.134% |
$5.44 - $6.74 |
|
| |
5.000% - 7.000% |
0.375% |
5.042% - 7.046% |
$5.37 - $6.65 |
|
| |
4.875% - 6.875% |
1.000% |
4.972% - 6.983% |
$5.29 - $6.57 |
|
| 20 Year Fixed |
5.125% - 7.125% |
0.000% |
5.138% - 7.137% |
$6.67 - $7.83 |
|
| |
5.000% - 7.000% |
0.375% |
5.058% - 7.060% |
$6.60 - $7.75 |
|
| |
4.875% - 6.875% |
1.000% |
5.007% - 7.016% |
$6.53 - $7.68 |
|
| 15 Year Fixed |
4.625% - 6.625% |
0.000% |
4.641% - 6.640% |
$7.71 - $8.78 |
|
| |
4.500% - 6.500% |
0.375% |
4.572% - 6.574% |
$7.65 - $8.71 |
|
| |
4.375% - 6.375% |
1.000% |
4.541% - 6.549% |
$7.59 - $8.64 |
|
| 10 Year Fixed |
4.625% - 6.625% |
0.000% |
4.648% - 6.645% |
$10.42 - $11.42 |
|
| |
4.500% - 6.500% |
0.375% |
4.604% - 6.604% |
$10.36 - $11.35 |
|
| |
4.375% - 6.375% |
1.000% |
4.614% - 6.620% |
$10.30 - $11.29 |
|
Maximum term is 40 years. *.50% will be added to the interest rate for any loan amount in excess of $546,250 if the property is located in San Diego County and $417,000 if the property is located in Riverside County. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
|
|
|
| 40 Year Fixed |
5.875% - 7.875% |
0.000% |
5.881% - 7.881% |
$5.42 - $6.86 |
|
| |
5.750% - 7.750% |
0.375% |
5.785% - 7.790% |
$5.33 - $6.77 |
|
| |
5.625% - 7.625% |
1.000% |
5.708% - 7.722% |
$5.24 - $6.67 |
|
| 30 Year Fixed |
5.625% - 7.625% |
0.000% |
5.632% - 7.632% |
$5.76 - $7.08 |
|
| |
5.500% - 7.500% |
0.375% |
5.541% - 7.545% |
$5.68 - $6.99 |
|
| |
5.375% - 7.375% |
1.000% |
5.472% - 7.484% |
$5.60 - $6.91 |
|
| 20 Year Fixed |
5.625% - 7.625% |
0.000% |
5.634% - 7.634% |
$6.95 - $8.13 |
|
| |
5.500% - 7.500% |
0.375% |
5.555% - 7.558% |
$6.88 - $8.06 |
|
| |
5.375% - 7.375% |
1.000% |
5.506% - 7.516% |
$6.81 - $7.98 |
|
| 15 Year Fixed |
5.125% - 7.125% |
0.000% |
5.137% - 7.136% |
$7.97 - $9.06 |
|
| |
5.000% - 7.000% |
0.375% |
5.069% - 7.071% |
$7.91 - $8.99 |
|
| |
4.875% - 6.875% |
1.000% |
5.039% - 7.047% |
$7.84 - $8.92 |
|
| 10 Year Fixed |
5.125% - 7.125% |
0.000% |
5.141% - 7.140% |
$10.67 - $11.68 |
|
| |
5.000% - 7.000% |
0.375% |
5.098% - 7.100% |
$10.61 - $11.61 |
|
| |
4.875% - 6.875% |
1.000% |
5.110% - 7.116% |
$10.55 - $11.55 |
|
| A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
|
|
|
| Conforming |
4.625% - 7.625% |
0.000% |
4.634% - 7.634% |
$5.14 - $7.08 |
|
| |
4.500% - 7.500% |
0.375% |
4.541% - 7.548% |
$5.07 - $6.99 |
|
| |
4.375% - 7.375% |
1.000% |
4.469% - 7.487% |
$4.99 - $6.91 |
|
| |
|
|
|
|
|
| Jumbo |
5.125% - 8.125% |
0.000% |
5.132% - 8.132% |
$5.44 - $7.42 |
|
| |
5.000% - 8.000% |
0.375% |
5.040% - 8.047% |
$5.37 - $7.34 |
|
| |
4.875% - 7.875% |
1.000% |
4.970% - 7.987% |
$5.29 - $7.25 |
|
Maximum term is 30 years. *.50% will be added to the interest rate for any loan amount in excess of $546,250 if the property is located in San Diego County and $417,000 if the property is located in Riverside County. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate. A Minimum loan amount of $200,000 is required. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. Other restrictions apply. Please contact us for further information. | |
|
Variable Rate Mortgages
 |
|
|
| 3/27 Adjustable Rate |
4.625% - 6.625% |
0.000% |
5.082% - 7.082% |
$5.14 - $6.40 |
|
Maximum term is 30 years. *.50% will be added to the interest rate for any loan amount in excess of $546,250 if the property is located in San Diego County and $417,000 if the property is located in Riverside County. Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.
The interest rate is fixed for the first three years prior to a one time increase of .50% for the remaining term of the loan. Lender pays non-recurring closing costs, which include all lender costs except prepaid interest and impounds. Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%. | |
|
Fixed Rate Second Mortgages/Home Equity Loans
|
|
| Home Improvement |
10.500% |
0.000% |
10.668% |
$11.05 |
|
| 15 Year Fixed. Max Loan $35,000. No Equity Required. | |
|
Home Equity Lines of Credit
The above Home Equity Line of Credit products are only available for owner-occupied
1-family and condominium units.
|
|
Loan Rates
|
The Annual Percentage Rates presented are those extended to our most credit worthy borrowers. With the exception of the Share and Certificate Secured Loans, they also include a .50% discount for members in the Point Loma Relationship Plan. An additional .25% discount may also be obtained for vehicles purchased through the credit union's auto buying service. The final interest rate will be determined by your overall credit worthiness and participation in any Lighthouse Plan benefits. Please contact us at (888) 495-3400 to learn more about our auto buying service and to find out how you can qualify for Lighthouse Plan rate discounts.
All loans are subject to approval. Rates and terms effective 1/6/09
and are subject to change without notice. Other terms and conditions may
apply.
|
|
|
| New Auto current model year & 1 year old with less than 3k miles |
5.49% |
66 months |
Maximum based on individually determined qualifications.
|
120% of factory invoice plus tax, license, GAP and extended warranty. |
|
Used Auto 5 yrs
& newer |
6.24% |
66 months |
Maximum based on individually determined qualifications.
|
120% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage. |
|
| Older Used Autos 6 yrs and older. *An auto appraisal performed by a state licensed appraiser may be required to validate value on a case-by-case basis. |
8.25% |
48 months |
Maximum based on individually determined qualifications.
|
100% of Kelley
Bluebook whole-
sale plus GAP and extended warranty. Cannot exceed 100K mileage. |
|
| First Time Auto Buyer New, Used & Older
Used |
13.05%-16.40% |
Same as above
based on age of vehicle. |
Maximum based on individually determined qualifications.
|
New: 100% of MSRP plus GAP and Service Contact
Used: Average Kelley (5yrs & Newer) Bluebook wholesale and retail (excludes tax & license)
Older Used: 100% of Kelley (6yrs & older) Bluebook wholesale only (excludes tax & license)
Interest Rate Reduction:
5% after 1 year of good repayment history. |
|
| "Green" New Auto current model year & 1 year old with less than 3k miles |
5.24% |
66 months |
Maximum based on individually determined qualifications.
|
120% of factory invoice plus tax, license, GAP and extended warranty. Must be a hybrid vehicle or achieve a minimum of EPA 32 miles per gallon (highway) to qualify for this loan program. |
|
| "Green" Used Auto 5 yrs & newer |
5.99% |
66 months |
Maximum based on individually determined qualifications.
|
120% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage. Must be a hybrid vehicle or achieve a minimum of EPA 32 miles per gallon (highway) to qualify for this loan program. |
|
| Other Secured Motorcycles, Jet Skis etc. |
10.75% |
36 months |
Maximum based on individually determined qualifications.
|
120% factory invoice plus tax and license for new units. 75% of Kelley Bluebook retail plus tax & license for units 5 yrs and newer. 75% of Kelley Bluebook wholesale plus tax & license for units older than 6 yrs. |
|
| RV’s , Boats, & Travel Trailers New and Used Vehicles 3 yrs & newer |
8.25% |
180 months
(12 yr balloon loan option also available.*) |
$50,000.00 to $150,000.00 |
115% of wholesale dealer invoice plus dealer installed options, tax, license, and extended warranty. |
|
| |
8.73% |
180 months
(12 yr balloon loan option also available.*) |
$25,000.00 to $49,999.99 |
|
|
| |
9.23% |
120 months |
$5,000.00 to
$24,999.99 |
|
|
RV’s, Boats & Travel Trailers 4 yr & 5 yr
old units |
8.50% |
180 months
(12 yr balloon loan option also available.*) |
$50,000.00 to $150,000.00 |
115% of Kelley
Bluebook wholesale
plus tax, license and
extended warranty. |
|
| |
8.98% |
180 months
(12 yr balloon loan option also available.*) |
$25,000.00 to $49,999.99 |
|
|
| |
9.48% |
120 months |
$5,000.00 to
$24,999.99 |
|
|
| Signature Loan |
11.50% |
48 months |
$50,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
May require controlled payoffs based on loan decision. |
|
| "Green" Unsecured Loan |
10.49% |
48 months |
$50,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
May require controlled payoffs based on loan decision. |
|
| Computer Loan |
7.49% |
36 Months |
$5,000.00 or 3 times gross monthly income
of primary applicant whichever is less. |
Minimum payment is
$50.00. Loan
proceeds are made payable directly to computer store. |
|
| Book Loan |
6.49% |
12 Months |
$500.00 |
Proceeds for books
and educational
supplies. Must
provide proof of
current enrollment
in 9 or more units
of class instruction. |
|
Overdraft Protection
Easy Line of Credit
|
Prime + 5% Based on Wall Street Journal on the 20th of each month. Loan rate is adjusted on the final day of the month. |
Open – End |
$25,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
Minimum payment is $25.00 or 2.5% of outstanding balance, whichever is greater. |
| (A .50% discount will be applied for all Point Loma Relationship Plan members.) |
|
| Share Secured Loan |
3.0% over dividend rate of account used
to secure loan. |
60 months |
100% of account value. |
|
|
Certificate Secured
Loan |
3.0% over dividend rate used to secure loan.
|
Up to Certificate maturity date. |
100% of account value. |
|
|
| Sharper Image Loan |
10.49% |
60 months |
$25,000.00 or 3 times gross monthly income of primary applicant whichever is less. |
Loan proceeds paid directly to doctor's
office or medical facility. |
|
* Monthly payments are calculated on a 20 year amortization with a balloon payment in the amount of the full remaining balance due at the end of the 12 year term.
- PLCU’s maximum unsecured loan limit is $50,000.00 per qualifying member. This includes all individual and joint unsecured credit combined.
- Lighthouse Payment Protection Solution (LHPP) is available on qualified individual and joint loans. Conditions and limits may apply.
- See our Account Agreement and Open-ended Loan Disclosures for more information on our PLCU loan products.
|
|
|
|
| Platinum Visa |
9.99% Fixed * |
|
| Platinum Student Visa |
9.99% Fixed * |
|
Platinum
Savings Secured |
17.90% Fixed |
|
| Other APRs |
Cash Advance APR: Purchase APR + 6.00%
Balance Transfer APR: Purchase APR + 6.00%
Default APR: If you incur two late payment fees in a twelve month period, the APR will be 22.49% fixed on all balances.
|
|
| Annual Fee |
None |
|
| Minimum Finance Charge |
None |
|
Grace period for repayment of the
purchase balance |
Typically, 25 days from the close of
the billing cycle |
|
Grace period for repayment of the cash
advance balance |
Interest accrues from the date of posting |
|
Method of computing the balance for
purchases |
Average daily balance, including
current transactions |
|
Transaction fee for cash advances
and balance transfers |
3% of each advance
Minimum $10.00 |
|
| Late payment fee |
$15.00 |
|
| Over-the-credit-limit fee |
$10.00 |
|
| | | | |
