Routing #: 3211-7725-6 Routing Number Triangle


Current Loan Policies

Effective december 1, 2023
  Loan Type Term in Months APR Discount Rate

New Vehicle

(No boat loans)

100% Financing
Up to 36 5.49%
37 to 60 6.00%
61 to 72 7.000%

Used Vehicle

( No boat loans)

Within 5 years
up to 36 6.00%
37 to 60 6.49%

Older Used Vehicle

(No boat loans)

Within 10 years up to 60 7.00%
Greater than 10 years up to 48 9.00%
Signature Loans*
All up to 60 11.00%
Share Secured
All up to 60 4.99%
Home Equity*
All 15 Years Semi-Annually Adjusted WSJ Prime Rate
Minimum Rate 4.00%


Loan Payment Calculator

The results of this loan payment calculator are for estimation purposes only.


Description Data Entry
Loan Amount
Loan Length in Months
Interest Rate
Monthly Payment Click Calculate below to get result: 
Enter only numeric values (no commas), using decimal points where needed.
Non-numeric values will cause errors.



*Vehicle loans must be registered in California


Signature Loans

3X monthly salary or $20,000 whichever is less
Learn More - Download PDF

Home Equity Limits

Max of $250,000 up to 80% of appraisal including first mortgage.


Discounted rates are for loans paid by payroll deduction or automatic ACH payment from your checking account otherwise add 2.0%.

These rates for are for new loans only. Existing loans cannot be refinanced at a lower rate.

Members are limited to two concurrent unsecured loans. Unsecured loans are eligible for refinance after one year.

Loan approvals are not automatic, but are based on character and ability to repay. Loan insurance for former and retired employees is subject to approval by the insurance carrier.