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From our Checking and Savings accounts to loans and credit cards, our goal is to help you save as much as possible. Use the tabs below to explore our latest rates and to apply.

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Money Market Plus Money Market Select Interest Checking Savings & ScoreUp Savings Health Savings Accounts Holiday Club

Money Market Plus

Rates Effective 5/3/2023

Requirements Met5

Requirements Met2

Min BalanceAPY1RateDividends Paid
186672No$0.000.05%0.05%Monthly03/05/2023
182811Yes$0.003.00%2.96%Monthly03/05/202330,000+ fee-free ATMs
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Money Market Select Account & Money Market Select IRA3

Rates Effective 12/1/2022
TermTier

Min. Balance

Min Balance

Max BalanceAPY1RateDividends Paid
179901None1$0.00$2,000.002.00%1.98%Monthly01/12/2022
186412None2$2,000.01$5,000.001.50%1.49%Monthly01/12/2022$130,000+ Fee-free ATMs
186523None3$5,000.01 $10,000.001.00%1.00%Monthly01/12/2022
186584None4$10,000.01$50,000.000.25%0.25%Monthly21/09/2018
186615None5$50,000.01$100,000.000.20%0.20%Monthly21/09/2018
186686None6$100,000.01$9,999,999.990.15%0.15%Monthly21/09/2018
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Interest Checking

Rates Effective 1/1/2023
Term

Minimum Balance

Min. Balance

APY

APY1

RateDividends Paid
180561None$0.000.05%0.05%Monthly01/01/2023

$5 waived with minimum daily balance of $500
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Savings & ScoreUp Savings4

Rates Effective 1/1/2020
TermMin. BalanceAPY1RateDividends Paid
183441None$0.000.05%0.05%Monthly01/01/2020

None

1 APY = Annual Percentage Yield.

2 Annual and individual member figures are from the Credit Union National Association Membership Benefits Study in 2021. Assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a 1-year certificate account, and $2,500 in a money market account.

3 Savings and ScoreUp Savings have the same rates, reflected above. A ScoreUp Savings Account is opened in conjunction with a ScoreUp Credit Builder Loan.
187012None$5,000.000.05%0.05%Monthly01/01/2020
187153None$10,000.000.05%0.05%Monthly01/01/2020
187274None$20,000.000.05%0.05%Monthly01/01/2020
187375None$50,000.000.05%0.05%Monthly01/01/2020
187446None$100,000.000.05%0.05%Monthly01/01/2020

Health Savings Accounts

Rates Effective 1/1/2020
TermMin. BalanceAPY1RateDividends Paid
183983None$3,500.010.25%0.25%Monthly01/01/2020
183922None $2,000.010.10% 0.10%Monthly01/01/2020
183891None$0.000.05%0.05%Monthly01/01/2020
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Holiday Club

Rates Effective 6/14/2022
TermMin. BalanceAPY1RateDividends Paid
18409None$20.000.05%0.05%At Maturity14/06/2022

$0 monthly fee and no minimum balance

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1 APY = Annual Percentage Yield.

2 Requirements: To qualify for the higher yield dividend rate, you must have an open checking account under the same Member Number as the Money Market Plus account, with a minimum of $500 in qualifying deposits each month into the checking account. In any month the requirements are not met, the dividend rate paid on the Money Market Plus account in the following month will be the same as the Regular Savings rate. Money Market Plus is not available for IRA.

3 Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Rates are subject to change after account opening without notice.

4 Youth Savings, Savings and ScoreUp Savings have the same rates, reflected above. A ScoreUp Savings Account is opened in conjunction with a ScoreUp Credit Builder Loan.

Premier Interest Checking Account: Effective August 30, 2019, the minimum balance to earn the premier interest checking rate of 0.10% APY is $5,000.00. If your balance falls below $5,000.00, your account balance will earn the same rate as our Interest Checking account for that day. Average daily balances below $5,000.00 are subject to a $10 monthly fee (see the Fee Schedule). For other terms and conditions of the Premier Interest Checking Account, please refer to the Patelco Member Handbook.

Certificates IRA Certificates2

Certificates

Rates Effective 10/6/2023
Term

Min. Balance

Min Balance

APY1RateDividends Paid
1841713 - 5 Months$250.001.00%1.00%At Maturity06/10/20233 to 60 months0At Maturity
1842226 - 11 Months$250.002.00%1.98%At Maturity01/08/20230
18545412 - 17 Months$250.003.00%2.96%Monthly01/08/20230
18557518 - 23 Months$250.004.00%3.93%Monthly01/08/2023$500,000.0018-Month
18565724 - 35 Months $250.003.50%3.45%Monthly01/08/20230
18571836 - 47 Months$250.003.00%2.96%Monthly01/08/20230
18577948 - 59 Months$250.003.00%2.96%Monthly01/08/20230
185841060 Months$250.003.00%2.96%Monthly01/08/20233 to 60 Months0
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IRA Certificates2

Rates Effective 10/6/2023
TermMin. BalanceAPY1RateDividends Paid
186511060 Months$250.003.00%2.96% Monthly01/08/2023
18645948 - 59 Months$250.003.00%2.96% Monthly01/08/2023
18635836 - 47 Months$250.003.00% 2.96% Monthly01/08/2023
18627724 - 35 Months$250.003.50%3.45%Monthly01/08/2023
18517518 - 23 Months$250.004.00% 3.93% Monthly01/08/2023
18510412 - 17 Months$250.003.00%2.96% Monthly01/08/2023
1848626 - 11 Months$250.00 2.00% 1.98%At Maturity01/08/2023
1846213 - 5 Months$250.001.00% 1.00% At Maturity06/10/2023
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NOTE: There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Patelco Member Handbook.

1 APY = Annual Percentage Yield. Terms and conditions may vary by account.

2 All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.00.

Vehicle Loans Boats, Motor Homes, Travel Trailers Motorcycle Loans Credit Cards Secured Loans Personal Loans Other Loans

Vehicle Loans

Rates Effective 10/27/2023
TypeRate TypeMinimum AmountRange of APR1
17938New Auto (2022 or newer)
Up to 140% financing		0 to 48 monthsNone6.94% to 17.99%27/10/2023117.99%6.94%0‑48 months: $23.99 per month per $1000 borrowed at 6.94% APR for 48 months; 49‑66 months: $18.38 per month per $1000 borrowed at 7.04% APR for 66 months; 67‑72 months: $17.22 per month per $1000 borrowed at 7.24% APR for 72 months; 73‑84 months: $15.51 per month per $1000 borrowed at 7.74% APR for 84 months.
17707New Auto (2022 or newer)
Up to 140% financing		49 to 66 monthsNone7.04% to 17.99%27/10/2023217.99%7.04%
17713New Auto (2022 or newer)
Up to 140% financing 		67 to 72 months$10,000 For 72 Month Term7.24% to 17.99% 27/10/2023317.99%7.24%
17710New Auto (2022 or newer)
Up to 140% financing		73 to 84 months$15,000 For 84 Month Term7.74% to 17.99% 27/10/2023417.99% 7.74%
17884Used Auto (2013 - 2021)
Up to 140% of Blue Book
Maximum 150,000 miles		0 to 48 monthsNone7.19% to 17.99%27/10/2023517.997.190‑48 months: $24.11 per month per $1000 borrowed at 7.19% APR for 48 months; 49‑66 months: $18.50 per month per $1000 borrowed at 7.29% APR for 66 months; 67‑72 months: $17.34 per month per $1000 borrowed at 7.49% APR for 72 months; 73‑84 months: $15.61 per month per $1000 borrowed at 7.94% APR for 84 months.
17887Used Auto (2013 - 2021)
Up to 140% of Blue Book
Maximum 150,000 miles		49 to 66 monthsNone7.29% to 17.99%20/10/2023617.997.29
17891Used Auto (2013 - 2021)
Up to 140% of Blue Book
Maximum 150,000 miles		67 to 72 months$10,000 For 72 Month Term7.49% to 17.99%20/10/2023717.997.49
17895Used Auto (2013 - 2021)
Up to 140% of Blue Book
Maximum 150,000 miles		73 to 84 months$15,000 For 84 Month Term7.94% to 17.99%20/10/2023817.997.94
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Boats, Motorhomes, Travel Trailers

Rates Effective 9/15/2023
TypeRate TypeMinimum AmountRange of APR2
17962Boat, Motorhome, and Travel Trailer Loans
New (2022 or newer)		up to 60 months$5,0007.50% to 19.00%15/09/2023215/09/20237.50%19.00%60 months: $20.10 per month per $1000 borrowed at 7.50% APR; 72 months: $17.42 per month per $1000 borrowed at 7.65% APR; 84 months: $15.47 per month per $1000 borrowed at 7.65% APR; 120 months: $12.26 per month per $1000 borrowed at 8.15% APR;180 months: $9.89 per month per 1000 borrowed at 8.50% APR
18189Boat, Motorhome, and Travel Trailer Loans
Used (2013 to 2021)		up to 60 months$5,0008.00% to 19.00%04/08/2023104/08/20238.00%19.00%
18210Boat, Motorhome, and Travel Trailer Loans
New (2022 or newer)		61 to 72 months$15,0007.65% to 18.65%07/12/2022307/12/20227.65%18.65%
18219Boat, Motorhome, and Travel Trailer Loans
Used (2013 to 2021)		61 to 72 months$15,0008.15% to 18.65%07/12/2022407/12/20228.15%18.65%
18230Boat, Motorhome, and Travel Trailer Loans
New (2022 or newer)		73 to 84 months $25,0007.65% to 18.65%07/12/2022507/12/20227.65%18.65%
18236Boat, Motorhome, and Travel Trailer Loans
Used (2013 to 2021)		73 to 84 months $25,0008.15% to 18.65%14/03/2023614/03/20238.15%18.65%
18239Boat, Motorhome, and Travel Trailer Loans
New (2022 or newer)		85 to 120 months$25,0008.15% to 18.65%07/12/2022707/12/20228.15%18.65%
18244Boat, Motorhome, and Travel Trailer Loans
Used (2013 to 2021)		85 to 120 months$25,0008.65% to 18.65%07/12/2022807/12/20228.65%18.65%
18267Boat, Motorhome, and Travel Trailer Loans
New (2022 or newer)		121 to 180 months$50,0008.50% to 18.50%07/12/2022907/12/20228.50%18.50%
18273Boat, Motorhome, and Travel Trailer Loans
Used (2013 to 2021)		121 to 180 months$50,0009.00% to 18.50%04/08/20231004/08/20239.00%18.50%

Motorcycle Loans

Rates Effective 8/4/2023
TypeRate TypeMinimum AmountRange of APR3
17968Motorcycle
New & Used (2013 or newer)		Up to 60 months$1,0007.25% to 17.05%104/08/20237.25%17.05%60 months: $19.98 per month per $1000 borrowed at 7.25% APR
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Credit Cards

Rates Effective 9/26/2023
AmountRate Type

APR Range1

Range of APR4
17972Credit Cards-Pure MastercardPure Mastercard®$300 - $50,000Variable11.75% to 18.95%11.75%11.20%126/09/2023$90,000
18284Credit Cards-Points Rewards World MastercardPoints Rewards World Mastercard®$300 - $50,000Variable13.40% to 21.90%12.9%13.4%226/09/2023
18300Credit Cards-Progress Student Rewards MastercardProgress Student Rewards Mastercard®$300 - $5,000Variable13.40% to 21.90%13.40%13.40%326/09/2023$50,000
18308Credit Cards-Pure-Secured MastercardPure Secured Mastercard®$300 - $10,000Variable11.45%11.45%11.75%426/09/2023$10,000

Secured Loans

Rates Effective 2/16/2023
TypeRate TypeAmountAPR5
17976Certificate-SecuredDue upon maturityEqual to certificateCD rate + 2.25%116/02/20232.25%
18337Savings-SecuredUp to 60 monthsEqual to savings2.50%216/02/20232.5
18345ScoreUp® Credit BuilderUp to 24 months$500 to $2,5005.50%316/02/20235.5
18352ScoreUp® Credit BuilderUp to 36 months$2,501 to $5,0005.50%416/02/20235.5

Personal Loans

Rates Effective 10/27/2023
TypeRate TypeAmountRange of APR6
17979Personal Loan6-36 months$300 to $100,0008.95% to 17.90%27/10/202318.95% 17.90%$100,000Personal Loan$11,440.89The APR range is 8.95% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 8.95% with no origination fee and make 36 monthly payments of $318.80, your finances charges will be $1,476.46 which would make your total repayment amount $11,476.46
18361Personal Loan37-48 months$300 to $100,0009.50% to 17.90%27/10/202329.5017.9Personal Loan
18364Personal Loan49-60 months$300 to $100,0009.75% to 17.90%27/10/202339.7517.9Personal Loan
18370Personal Loan61-72 months$20,000 to $100,00010.45% to 17.90%27/10/2023410.45Personal Loan
18377Personal Loan73-84 months$30,000 to $100,00010.95% to 17.90%27/10/2023510.9517.9Personal Loan
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Other Loans

Rates Effective 4/5/2023
TypeRate TypeAmountRange of APR7
17982Signature Line of CreditOpen-endedUp to $50,00012.00% to 17.90%105/04/202312.00%17.90%
19910Instant BackUp™ Line of Credit​Open-endedUp to $50017.90%205/04/20231217.9

We are unable to offer financing for Branded Titles (e.g. – salvaged, lemon law) or the following types of commercial vehicles: Chevrolet Silverado 4500 – 6500, Chevrolet Express, Dodge Ram Promaster/Promaster City, Dodge Ram Chassis 4500, Ford F-450 or higher, Ford Transit/Transit Connect, GMV Savana, GMC Sierra 4500, Mercedes Benz Sprinter, Mercedes Benz Metris , Nissan NV and NV2000. Speak to a team member for more details.

APR = Annual Percentage Rate. In the case of credit cards, APR applies to purchases and balance transfers.

  • 1 APR = (Annual Percentage Rate). Auto rates starting at  6.94% effective 10/27/2023; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Vehicle mileage greater than 100k will include an additional .50% added to rate. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: 0‑48 months: $23.99 per month per $1000 borrowed at 6.94% APR for 48 months; 49‑66 months: $18.38 per month per $1000 borrowed at 7.04% APR for 66 months; 67‑72 months: $17.22 per month per $1000 borrowed at 7.24% APR for 72 months; 73‑84 months: $15.51 per month per $1000 borrowed at 7.74% APR for 84 months.
  • 2 APR = (Annual Percentage Rate). Rates as low as 7.50% APR effective 9/15/2023. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, mileage, Patelco account and loan balances.  Additional .50% added to rate for mileage over 100k (with a maximum mileage at 125k). Maximum of 20 years combined based on vehicle model year + loan term. . Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 18.65% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example: 60 months: $20.10 per month per $1000 borrowed at 7.50% APR; 72 months: $17.42 per month per $1000 borrowed at 7.65% APR; 84 months: $15.47 per month per $1000 borrowed at 7.65% APR; 120 months: $12.26 per month per $1000 borrowed at 8.15% APR;180 months: $9.89 per month per 1000 borrowed at 8.50% APR
  • 3 APR = Annual Percentage Rate. Rates as low as 7.25%  APR effective 8/4/2023. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, Patelco account and loan balances. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.05% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example: 60 months: $19.98 per month per $1000 borrowed at 7.25% APR
  • 4 APR=Annual Percentage Rate. Variable APR as of 9/26/2023. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.
  • 5 Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.25%.
  • 6 APR = Annual Percentage Rate. Rates offered effective 10/27/2023 and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit patelco.org, call 800.358.8228, or stop by a branch. The APR range is 8.95% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 8.95% with no origination fee and make 36 monthly payments of $318.80, your finances charges will be $1,476.46 which would make your total repayment amount $11,476.46
  • 7 APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 4/5/2023. The APR range is 12.00% to 17.90% for Signature Line of Credit. The APR is 17.90% for Instant BackUp™ Line of Credit. Minimum payment is $25.00 or 2% of the unpaid balance, whichever is greater. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.

 

Purchase Fixed Rate Loans Purchase Adjustable Rate Loans Refinance Fixed Rate Loans Refinance Adjustable Rate Loans Interest Only Equity Line of Credit Home Equity Loans ADU Equity Line of Credit

Purchase Fixed Rate Loans

Rates Effective 11/29/2023
Loan ProgramAmountRate

APR2

APR1
1798630-Year Fixed$50,000 to $726,2007.000%7.094%129/11/2023$726,200$1,500,000
1807230-Year Fixed (No Closing Costs, 3% Down)$50,000 to $726,2007.500%7.565%203/11/2023
1809020-Year Fixed$50,000 to $726,2006.625%6.742%309/11/2023
1812015-Year Fixed$50,000 to $726,2006.625%6.771%406/11/2023
1813910-Year Fixed$50,000 to $726,2006.375%6.575%513/11/2023
1814530-Year Fixed Jumbo$726,201 to $2,500,0007.875%7.963%609/11/20231
1814415-Year Fixed Jumbo$726,201 to $2,500,000 7.500%7.632%709/11/20231

California properties only.

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Purchase Adjustable Rate Loans

Rates Effective 11/29/2023
Loan ProgramAmountRateAPR1
181585/1 30-Year Adjustable2$50,000 to $726,2007.375% 7.548%29/11/202329/11/20231
181675/5 30-Year Adjustable3$50,000 to $726,2007.500% 6.931%03/11/202303/11/20232
184577/1 30-Year Adjustable2$50,000 to $726,2007.375% 7.533%09/11/202309/11/20233
1839910/1 30-Year Adjustable2$50,000 to $726,2007.500% 7.602%03/11/202303/11/20234
1841810/10 30-Year Adjustable4$50,000 to $726,2007.625%7.490%03/11/202303/11/20235
184275/1 30-Year Adjustable Jumbo2$726,201 to $2,500,0007.000%7.371%09/11/202309/11/20236
184445/5 30-Year Adjustable Jumbo3$726,201 to $2,500,0007.125% 6.753%09/11/202309/11/20237
183717/1 30-Year Adjustable Jumbo2$726,201 to $2,500,0006.875%7.244%09/11/202309/11/20238
1847410/1 30-Year Adjustable Jumbo2$726,201 to $2,500,0007.125% 7.324%09/11/202309/11/20239
1848010/10 30-Year Adjustable Jumbo4$726,201 to $2,500,0007.250%7.609%09/11/202309/11/202310

California properties only.

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Refinance Fixed Rate Loans

Rates Effective 11/29/2023
Loan ProgramAmountRate

APR2

APR1
1803330-Year Fixed$50,000 to $726,2007.000%7.094%29/11/202329/11/2023
1803620-Year Fixed$50,000 to $726,2006.625%6.742%07/11/202307/11/2023
1804115-Year Fixed$50,000 to $726,2006.625%6.771%07/11/202307/11/2023
1804610-Year Fixed$50,000 to $726,2006.375%6.575%06/11/202306/11/2023
1805730-Year Fixed Jumbo$726,201 to $2,500,0008.000%8.090%09/11/202309/11/2023
1806115-Year Fixed Jumbo$726,201 to $2,500,0007.625% 7.760%09/11/202309/11/2023

California properties only.

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Refinance Adjustable Rate Loans

Rates Effective 11/29/2023
Loan ProgramAmountRateAPR1
180715/1 30-Year Adjustable2$50,000 to $726,2007.625%7.65529/11/2023
180775/5 30-Year Adjustable3$50,000 to $726,2007.750%7.03820/10/2023
180857/1 30-Year Adjustable2$50,000 to $726,2007.625%7.67120/10/2023
1809110/1 30-Year Adjustable2$50,000 to $726,2007.750%7.77720/10/2023
1809810/10 30-Year Adjustable2$50,000 to $726,2007.875%7.66720/10/2023
181085/1 30-Year Adjustable Jumbo2$726,201 to $2,500,0007.125%7.42402/11/2023
181145/5 30-Year Adjustable Jumbo3$726,201 to $2,500,0007.250%6.80620/10/2023
181187/1 30-Year Adjustable Jumbo2$726,201 to $2,500,0007.125%7.37802/11/2023
1812310/1 30-Year Adjustable Jumbo2$726,201 to $2,500,0007.250%7.41002/11/2023
1813010/10 30-Year Adjustable Jumbo4$726,201 to $2,500,0007.375%7.29502/11/2023

California properties only.

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Interest Only Equity Line of Credit

Rates Effective 11/29/2023
AmountLoan-to-ValueRate/APR5
18186$10,000-$500,000Up to 90%9.00% to 11.75%29/11/20239.00%29/11/20238.50%0.50%

Save 0.50% off your rate when you set up automatic payments and recurring deposits.6
Variable rate, open-ended loan. California properties only

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Home Equity Loans

Rates Effective 11/29/2023
TermAmountLoan-to-ValueRate

APR1

APR7
1816810 years$10,000-$500,000Up to 80% LTV8.000%8.219%229/11/2023
1817115 years$10,000-$500,000Up to 80% LTV8.250%8.413%310/10/2023
1817620 years$10,000-$500,000Up to 80% LTV8.750%8.891%410/10/2023

California properties only

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ADU Equity Line of Credit

Rates Effective 11/29/2023
AmountLoan-to-ValueRate/APR8
18268$10,000 - $400,000125% as-is value
90% post-construction value		10.00% to 10.75%29/11/202310.00%8.5%

California properties only

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Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance is required. NMLS ID Number is 506373.

1 APR = Annual Percentage Rate. APRs are based on the following:

  • Conforming: Loan amount of $726,200 + closing costs
  • Jumbo: Loan amount of $1,500,000 + closing costs
  • Mortgage rates shown are based on a 60-day lock for rate and term refinance transaction for of a primary residence. 30-day lock for purchase transactions.

Conforming rate shown at 60% loan-to-value (LTV) and jumbo rate is at 80% loan-to-value (LTV), owner-occupied limited cash-out refinance or purchase with excellent credit, debt-to-income ratio less than or equal to 40% and no subordinate financing. Your rate may be different than what is shown. Please use the rate calculator on our mortgage application site to receive a better estimate for your scenario.

2 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve. The caps are 2% annually and 6% lifetime based on the initial rate. The current index is 5.24%. Your rate may be different than what is shown. Please use the Choose Rates feature on our application page to get a more exact rate.

3 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve. The caps are 2% every adjustment and 5% lifetime based on the initial rate. The current index is 4.42. Your rate may be different than what is shown. Please contact one of our loan representatives at 800.358.8228 extension 1202 to get a more exact rate.

4 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 4.44.

5 9.00% APR (annual percentage rate) applies to a HELOC for the most qualified applicant at CLTV up to 80%. Not all applicants will qualify for the lowest rate. Rates vary based on property value, line amount and other factors, and will vary for second or vacation homes. Payments and rate can adjust monthly. Payments will increase if rates increase. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 8.50%. Minimum interest rate is 3%. Maximum interest rate is 17%.

6 0.50% HELOC rate discount available after loan funds. Meet and maintain ongoing discount eligibility with set up of automatic loan payments and monthly recurring deposits of $500 into a Patelco account. Additional conditions may apply. Speak to a Home Loan Consultant for more details.

7 Fixed Home Equity APR calculations are based on loan amount of $100,000.00 with estimated closing costs of $500.00.

8 10.00% APR (annual percentage rate) and other terms shown are accurate as of 11/29/2023 and apply to an ADU HELOC for the most qualified applicant at CLTV up to 125%. Not all applicants will qualify for the lowest rate. Eligible on primary residences only. Rates vary based on property value, credit score, line amount and other factors. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 8.5%. Minimum interest rate is 3%. Maximum interest rate is 17%.

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