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Auto & Recreational Loans

Auto & Motorcycle Loans

1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.

Auto Leases

Our CULA (Credit Union Leasing of America) participating dealers can help you find the car and assist you through the leasing process. Here’s how it works…

RV, Boat & Dirt Bike Loans

1Estimated monthly payment per $1,000 on a 12-month term at 5.49% APR is $85.84 and subject to change.

Credit Cards

Visa Credit Cards

Platinum
Apply for a Visa
Secured Platinum
Apply for a Visa
Perfect for......those who want a great card with the lowest APR...those establishing or re-establishing credit
Introductory rate
Loan Rates
2.90%
for six billing cycles1
Annual fee$0$0
Limit amounts$250 to $50,000$250 to $50,000
Balance transfers & cash advances
3% fee ($10 minimum)
Digital Banking
Digital Banking & Security
Identity theft monitoring
ID Navigator Powered by NortonLifeLock
Extended purchase warranties
Travel and rental insurance

1Standard introductory period is six billing cycles, after which balances are converted to a variable rate that varies with the market based on Prime Rate plus a margin. Foreign Transaction fee is 1%.

Home & Energy Loans

Home Equity Loans

There’s no place like home.  We’re able to offer loans in California and Nevada.

Home Equity Loans - Comparison Table

Interest-Only HELOC
Apply now!
Traditional HELOC
Apply now!
Home Equity Loan
Apply now!
Perfect for......those who want more time to repay...those who want funds as needed...those who want funds up front
Rate type
Loan Rates
Variable
VariableFixed
Limit amounts$25k to $250k1$25k to $250k2$25k to $250k3
Owner Occupied LTV4
Non-Owner Occupied LTV
Up to 80%
NA
Up to 80%
Up to 70%
Up to 80%
Up to 70%
Draw period10 years10 yearsNA
Repayment periodUp to 20 yearsUp to 10 yearsUp to 20 years
Prepayment penaltyNoneNoneNone
Digital Banking
Digital Banking & Security
Do more with your home! You’ve put a lot into it… now let it return the favor.

1Rates range from 8.75% to 11.00% APR based on Prime Rate and creditworthiness. Prime Rate as of 7.26.23 is 8.50% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. Manufactured and mobile homes are not eligible.

2Rates range from 8.50% to 13.50% APR for owner occupied and 9.50% to 11.50% APR for non-owner occupied; based on Prime and creditworthiness. Prime Rate as of 7.26.23 is 8.50% APR. APR = Annual Percentage Rate. Annual rate cap is 2.00%; lifetime rate cap is 6.00% above the initial rate at the time of funding. Processing fees can rage from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. Manufactured and mobile homes are not eligible.

3Estimated monthly payment based on a $25,000 loan for 10 years at 9.25% APR is $320.18 and subject to change. APR = Annual Percentage Rate. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. Manufactured and mobile homes are not eligible.

4LTV = Loan to Value.

Home Mortgage Loans

There’s no place like home. That’s why we offer the services of our credit union owned mortgage company, Community Mortgage Funding (CMF).1 Buy or refi… either way, our Home Mortgage Loan products are designed to help get you moving – and we’re able to offer loans in AZ, CA, CO, IL, KS, MI, MN, NV, NJ, OH, OK, OR, PA, TX and WA. Let us help open the door to your new home.

Do you need a real estate agent? Let our CMF Home Rewards Program pair you with a trusted, local real estate agent, while saving money on buying and/or selling your home!

Let’s get started!

Prefer to connect on the phone? Call an agent direct at 877.915.3030.

Visit our online mortgage center to learn more about your financing options. Members with current loans, click here to make a payment.

1Community Mortgage Funding (CMF) is our credit union owned mortgage company. CMF state licensing.

Energy Loans

Energy Loans - Comparison Table

Energy Loans1
Call Us to Apply
Perfect for......those creating a sustainable home
Variety of loan options
No down payment
No prepayment penalty
Make your home energy smart.

1Loan secured by a UCC filing.

Personal Loans

Credit Builder Loan

We get it, life happens. And sometimes that means your credit score might need a little help.
Credit Builder is a loan designed to help those with no credit or colorful credit.

Here’s how it works…

1Amount of funds made available to withdraw is based on payment amount, interest paid, and dividends earned.

Lines of Credit & Signature Loans

Lines of Credit & Signature Loans - Comparison Table

Line of Credit
Apply for a Line of Credit
Signature Loan
Apply for a Signature Loan
Certificate-Secured Loan
Apply for a Secured Loan
Perfect for......those who want to use the funds as needed...those who want all of the funds up front...those who want to borrow against their Certificate savings
Limit amounts$250 to $25,0001$500 to $50,00012100% of funds on deposit
Terms
Loan Rates
Variable loanFixed loan from 12 to 60 months3Fixed loan4
Digital Banking
Digital Banking & Security
A little extra cash when you need it.

1Loan amount based on creditworthiness and ability to repay. 2Debt consolidation may require financial counseling. 3Estimated monthly payment per $1,000 on a 24-month term at 8.50% APR is $45.46 and subject to change. 4Interest must be paid annually, if not on a repayment plan.

Quinceañera Loan

Give her the celebration of her dreams, without losing sleep over how to pay for it.

Applying is easy – with a valid Social Security number or ITIN.

1Maximum loan amount based on individual qualifications and ability to repay. 2Estimated monthly payment per $1,000 on a 12-month term at 8.50% APR is $87.20 and subject to change. Rates as low as 8.5% APR as of 12.8.22 on terms up to 24 months; rates subject to change and are based on individual credit. Longer terms available at higher rates with set minimum loan amounts.

Teen Loans & Credit

Teen Credit Builder Loan

This loan is one of the best ways to build credit for a teen who’s 16 or 17 years old… and can help build their savings at the same time.

Here’s how it works:

Pro Tip! Help them set up a monthly automatic transfer from their Teen Checking account to ensure payments are made on time, helping to build their good payment history. Too easy!

Teen Visa Credit Card

Teen Visa Credit Card - Table

Teen Platinum
Apply for a Teen Visa
Perfect for......a teen ages 16 to 17 who want to start establishing credit
Introductory rate
Loan Rates
2.90%
for six billing cycles1
Annual fee$0
requires a parent or guardian joint owner
Limit$500
Cash Advance Fee3% ($10 minimum)
Foreign Transaction Fee1%
RequirementsParent must be on the account and meet credit qualifications
Digital Banking
Digital Banking & Security
Identity theft monitoring
ID Navigator Powered by NortonLifeLock
Extended purchase warranties
A Teen Visa Credit Card is perfect for a teen ages 16 to 17 who want to start establishing credit.

1Standard introductory period is six billing cycles, after which balances are converted to a fixed rate based on Prime Rate plus a margin.

Teen Auto Loan

1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.

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Google 9.16.23