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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 12/01/2024

Checking Requirements Met2

Checking Requirements Met2

Min BalanceMax BalanceAPY1

Rate3

Dividends Paid
256641Yes$250,000.00N/A4.254.17Monthly12/01/202430,000+ fee-free ATMs
256552Yes$100,000.00$249,999.994.003.93Monthly12/01/20234.50% APY1
256613Yes$50,000.00$99,999.993.513.45Monthly12/01/2023
256584Yes$1.00$49,999.993.002.96Monthly12/01/2023
256475No$1.00N/A0.050.05Monthly12/01/2023
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Money Market Select Account & Money Market Select IRA4

Rates Effective 08/01/2024
TermTier

Min. Balance

Min Balance

Max BalanceAPY1RateDividends Paid
179901None1$0.00$2,000.002.001.98Monthly08/01/2024
186412None2$2,000.01$5,000.001.501.49Monthly12/01/2022$130,000+ Fee-free ATMs
186523None3$5,000.01 $10,000.001.001.00Monthly12/01/2022
186584None4$10,000.01$50,000.000.250.25Monthly09/21/2018
186615None5$50,000.01$100,000.000.200.20Monthly09/21/2018
186686None6$100,000.01$9,999,999.990.150.15Monthly09/21/2018
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Interest Checking

Rates Effective 01/01/2023
Term

Minimum Balance

Min. Balance

APY

APY1

RateDividends Paid
180561None$0.000.050.05Monthly01/01/2023

$5 waived with minimum daily balance of $500
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Savings & ScoreUp Savings5

Rates Effective 01/01/2020
TermMin. BalanceAPY1RateDividends Paid
183441None$0.000.050.05Monthly01/01/2020

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$5,000.000.050.05Monthly01/01/2020
187153None$10,000.000.050.05Monthly01/01/2020
187274None$20,000.000.050.05Monthly01/01/2020
187375None$50,000.000.050.05Monthly01/01/2020
187446None$100,000.000.050.05Monthly01/01/2020

Health Savings Accounts

Rates Effective 01/01/2020
TermMin. BalanceAPY1RateDividends Paid
183983None$3,500.010.250.25Monthly01/01/2020
183922None $2,000.010.10 0.10Monthly01/01/2020
183891None$0.000.050.05Monthly01/01/2020
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Holiday Club

Rates Effective 06/14/2022
TermMin. BalanceAPY1RateDividends Paid
18409None$20.000.050.05At Maturity06/14/2022

$0 monthly fee and no minimum balance

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1 APY = Annual Percentage Yield.

2 Checking requirements: In order to attain high interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05 APY will be defaulted for that month. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, ACH transfers, Zelle, Venmo, PayPal or other similar deposits, cash deposits, check deposits (except checks written from another Patelco account), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers, chargebacks or promotional incentive payments from Patelco.

3 Rates – Rates are effective as of 12/01/2024 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance of the account.

4 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.

5 Kids 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 Certificates3

Certificates

Rates Effective 12/06/2024
Term

Min. Balance

Min Balance

APY1RateDividends Paid
1841713 - 5 Months$250.001.001.00At Maturity07/23/20243 to 60 months0At Maturity
1842226 - 11 Months$250.002.001.98At Maturity08/01/20230
18545412 - 17 Months$250.003.002.96Monthly08/01/20230
185575.218 - 23 Months$250.003.153.11Monthly08/01/2023$500,000.0018-Month
18565724 - 35 Months $250.003.253.21Monthly08/01/20230
18571836 - 47 Months$250.003.002.96Monthly08/01/20230
18577948 - 59 Months$250.003.002.96Monthly08/01/20230
185841060 Months$250.003.002.96Monthly08/01/20233 to 60 Months0
28693414 Month Promo*$250.003.903.84Monthly02/01/202414 Month Promo*03.40
28698623 Month Promo*$250.003.653.59Monthly08/01/202323 Month Promo*03.15
3206139 Month Promo*$250.004.053.98Monthly12/06/202403.55
*9-Month Certificate promotion has a premium rate of 4.05% APY and standard rate of 3.55% APY; 14-Month Certificate promotion has a premium rate of 3.90% APY and standard rate of 3.40% APY; 23-Month Certificate promotion has a premium rate of 3.65% APY and standard rate of 3.15% APY. Premium rate requires either 10+ years of tenure as of 12/31/2024 as a Patelco member, or an active checking account with at least $500 monthly deposits2
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IRA Certificates3

Rates Effective 12/06/2024
TermMin. BalanceAPY1RateDividends Paid
320642.59 Month Promo$250.004.053.98Monthly12/06/2024
28701414 Month Promo$250.003.903.84Monthly06/14/2024
28704623 Month Promo$250.003.653.59Monthly06/14/2024
186511060 Months$250.003.002.96Monthly06/14/2024
18645948 - 59 Months$250.003.002.96Monthly08/01/2023
18635836 - 47 Months$250.003.002.96Monthly06/14/2024
18627724 - 35 Months$250.003.253.21Monthly08/01/2023
185175.218 - 23 Months$250.003.153.11Monthly06/14/2024
18510312 - 17 Months$250.003.002.96Monthly08/01/2023
1848626 - 11 Months$250.00 2.001.98At Maturity06/14/2024
1846213 - 5 Months$250.001.001.00At Maturity07/23/2024
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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. Rates are effective as of 12/06/2024. Rates may vary at the time of maturity or renewal.

2 Certificate promotion interest rates vary depending on qualifications. 9-Month Certificate promotion has a premium rate of 4.05% APY and standard rate of 3.55% APY (Dividends paid monthly); 14-Month Certificate promotion has a premium rate of 3.90% APY and standard rate of 3.40% APY (Dividends paid monthly); 23-Month Certificate promotion has a premium rate of 3.65% APY and standard rate of 3.15% APY (Dividends paid monthly). In order to obtain the high premium rate for either Certificate promotional term, you must meet at least one of the following criteria: Tenure of 10+ years as of 12/31/2024, OR a checking account (under the same membership) prior to Certificate opening with a total recurring monthly deposit of $500 or more. If the checking account criteria is not met at any time, the rate will be reduced to the lower standard rate and will not be reinstated thereafter. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, ACH transfers, Zelle®, Venmo, PayPal or other similar deposits, cash deposits, check deposits (except checks written from another Patelco account), wire transfers, multiple deposits (of the types listed here) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers, chargebacks or promotional incentive payments from Patelco. All certificates are subject to an early withdrawal penalty. For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Fees could reduce earnings. Please see the Certificate Accounts section in the Patelco Member Handbook.

3 All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all Certificates and 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 12/13/2024
TypeTermMinimum AmountRange of APR1
17938New Auto (2023 or newer)
Up to 140% financing		0 to 48 monthsNone5.99% to 17.99%12/13/2024117.995.990‑48 months: $23.54 per month per $1000 borrowed at 5.99% APR for 48 months; 49‑66 months: $17.87 per month per $1000 borrowed at 5.99% APR for 66 months; 67‑72 months: $16.73 per month per $1000 borrowed at 6.24% APR for 72 months; 73‑84 months: $14.94 per month per $1000 borrowed at 6.59% APR for 84 months.
17707New Auto (2023 or newer)
Up to 140% financing		49 to 66 monthsNone5.99% to 17.99%10/27/2023217.995.99
17713New Auto (2023 or newer)
Up to 140% financing 		67 to 72 months$10,000 For 72 Month Term6.24% to 17.99% 10/27/2023317.996.24
17710New Auto (2023 or newer)
Up to 140% financing		73 to 84 months$15,000 For 84 Month Term6.59% to 17.99% 10/27/2023417.996.59
17884Used Auto (2022 - 2014)
Up to 140% of Blue Book
Maximum 150,000 miles		0 to 48 monthsNone6.24% to 17.99%12/13/2024517.996.240‑48 months: $23.66 per month per $1000 borrowed at 6.24% APR for 48 months; 49‑66 months: $17.99 per month per $1000 borrowed at 6.24% APR for 66 months; 67‑72 months: $16.85 per month per $1000 borrowed at 6.49% APR for 72 months; 73‑84 months: $15.06 per month per $1000 borrowed at 6.94% APR for 84 months.
17887Used Auto (2022 - 2014)
Up to 140% of Blue Book
Maximum 150,000 miles		49 to 66 monthsNone6.24% to 17.99%10/20/2023617.996.24
17891Used Auto (2022 - 2014)
Up to 140% of Blue Book
Maximum 150,000 miles		67 to 72 months$10,000 For 72 Month Term6.49% to 17.99%10/20/2023717.996.49
17895Used Auto (2022 - 2014)
Up to 140% of Blue Book
Maximum 150,000 miles		73 to 84 months$15,000 For 84 Month Term6.84% to 17.99%10/20/2023817.996.84
Check My Rate

Boats, Motorhomes, Travel Trailers

Rates Effective 11/15/2024
TypeTermMinimum AmountRange of APR2
17962Boat, Motorhome, and Travel Trailer Loans
New (2023 or newer)		up to 60 months$5,0007.74% to 18.74%11/15/2024211/15/20247.7419.7460 months: $20.21 per month per $1000 borrowed at 7.74% APR; 72 months: $17.47 per month per $1000 borrowed at 7.74% APR; 84 months: $15.51 per month per $1000 borrowed at 7.74% APR; 120 months: $12.30 per month per $1000 borrowed at 8.24% APR;180 months: $9.88 per month per 1000 borrowed at 8.49% APR
18189Boat, Motorhome, and Travel Trailer Loans
Used (2022 - 2014)		up to 60 months$5,0007.99% to 19.24%11/15/2024111/15/20247.9919.24
18210Boat, Motorhome, and Travel Trailer Loans
New (2023 or newer)		61 to 72 months$15,0007.74% to 18.24%12/08/2023312/08/20237.7419.74
18219Boat, Motorhome, and Travel Trailer Loans
Used (2022 - 2014)		61 to 72 months$15,0007.99% to 18.74%12/07/2022412/07/20227.9918.74
18230Boat, Motorhome, and Travel Trailer Loans
New (2023 or newer)		73 to 84 months $25,0007.74% to 18.24%12/08/2023512/08/20237.7418.24
18236Boat, Motorhome, and Travel Trailer Loans
Used (2022 - 2014)		73 to 84 months $25,0007.99% to 18.74%03/14/2023603/14/20237.9918.74
18239Boat, Motorhome, and Travel Trailer Loans
New (2023 or newer)		85 to 120 months$25,0008.24% to 18.24%12/08/2023712/08/20238.2418.24
18244Boat, Motorhome, and Travel Trailer Loans
Used (2022 - 2014)		85 to 120 months$25,0008.49% to 18.74%12/07/2022812/07/20228.4918.74
18267Boat, Motorhome, and Travel Trailer Loans
New (2023 or newer)		121 to 180 months$50,0008.49% to 17.99%12/08/2023912/08/20238.4917.99
18273Boat, Motorhome, and Travel Trailer Loans
Used (2022 - 2014)		121 to 180 months$50,0008.74% to 18.49%08/04/20231008/04/20238.7418.49

Motorcycle Loans

Rates Effective 01/01/2024
TypeTermMinimum AmountRange of APR3
17968Motorcycle
New & Used (2014 or newer)		Up to 60 months$1,0007.25% to 17.05%101/01/20247.2517.0560 months: $19.98 per month per $1000 borrowed at 7.25% APR
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Credit Cards

Rates Effective 11/26/2024
TypeAmountRate Type

APR Range1

Range of APR4
17972Credit Cards-Pure MastercardPure Mastercard®$300 - $50,000Variable11.25% to 18.45%11.2511.25111/26/2024$90,000
18284Credit Cards-Points Rewards World MastercardPoints Rewards World Mastercard®$300 - $50,000Variable12.90% to 21.40%12.912.90211/26/2024
18300Credit Cards-Progress Student Rewards MastercardProgress Student Rewards Mastercard®$300 - $5,000Variable12.90% to 21.40%12.9012.90311/26/2024$50,000
18308Credit Cards-Pure-Secured MastercardPure Secured Mastercard®$300 - $10,000Variable10.95%10.9510.95411/26/2024$10,000

Secured Loans

Rates Effective 02/16/2023
TypeTermAmountAPR
18337Savings-SecuredUp to 60 monthsEqual to savings2.50202/16/20232.5
18345ScoreUp® Credit BuilderUp to 24 months$500 to $2,5005.50302/16/20235.5
18352ScoreUp® Credit BuilderUp to 36 months$2,501 to $5,0005.50402/16/20235.5

Personal Loans

Rates Effective 12/17/2024
TypeTermAmountRange of APR5
17979Personal Loan6-24 months$300-$100,0009.30%-17.90%12/17/202419.3017.90$100,000Personal LoanThe APR range is 9.30% 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 9.30% with no origination fee and make 36 monthly payments of $320.41, your finances charges will be $1,534.39 which would make your total repayment amount $11,534.39
18361Personal Loan25-36 months$2,000-$100,0009.30%-17.90%04/12/202429.3017.9Personal Loan
18364Personal Loan37-48 months$4,000-$100,0009.95%-17.90%12/08/202339.9517.9Personal Loan
18370Personal Loan49-60 months$8,000-$100,00010.20%-17.90%10/27/2023410.20Personal Loan
18377Personal Loan61-72 months$20,000-$100,00010.70%-17.90% 10/27/2023510.7017.9Personal Loan
32405Personal Loan73-84 months$30,000 - $100,00011.20% - 17.90%04/12/2024711.217.90$100,000Personal Loan
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Other Loans

Rates Effective 04/05/2023
TypeTermAmountRange of APR6
17982Signature Line of CreditOpen-endedUp to $50,00012.00% to 17.90%104/05/202312.0017.90
19910Instant BackUp™ Line of Credit​Open-endedUp to $50017.90%204/05/20231217.9

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  5.99% effective 12/13/2024; 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: $23.54 per month per $1000 borrowed at 5.99% APR for 48 months; 49‑66 months: $17.87 per month per $1000 borrowed at 5.99% APR for 66 months; 67‑72 months: $16.73 per month per $1000 borrowed at 6.24% APR for 72 months; 73‑84 months: $14.94 per month per $1000 borrowed at 6.59% APR for 84 months.
  • 2 APR = (Annual Percentage Rate). Rates as low as 7.74% APR effective 11/15/2024. 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 19.74% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit poscoop.com or visit any Patelco branch. Loan payment example: 60 months: $20.21 per month per $1000 borrowed at 7.74% APR; 72 months: $17.47 per month per $1000 borrowed at 7.74% APR; 84 months: $15.51 per month per $1000 borrowed at 7.74% APR; 120 months: $12.30 per month per $1000 borrowed at 8.24% APR;180 months: $9.88 per month per 1000 borrowed at 8.49% APR
  • 3 APR = Annual Percentage Rate. Rates as low as 7.25%  APR effective 01/01/2024. 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 poscoop.com 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 11/26/2024. 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 2.5.

    • –>

  • 5 APR = Annual Percentage Rate. Rates offered effective 12/17/2024 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 poscoop.com, call 800.358.8228, or stop by a branch. The APR range is 9.30% 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 9.30% with no origination fee and make 36 monthly payments of $320.41, your finances charges will be $1,534.39 which would make your total repayment amount $11,534.39
  • 6 APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 04/05/2023. 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 12/30/2024
Loan ProgramAmountRate

APR2

APR1
1798630-Year Fixed$50,000 to $806,5007.0007.091112/30/2024$806,500
1807230-Year Fixed (No Closing Costs, 3% Down)$50,000 to $806,5007.5007.565211/08/2023
1809020-Year Fixed$50,000 to $806,5006.6256.738312/12/2023
1812015-Year Fixed$50,000 to $806,5006.5006.638412/12/2023
1813910-Year Fixed$50,000 to $806,5006.3756.567501/02/2024
1814530-Year Fixed Jumbo$806,501 to $2,500,0007.2507.329801/31/20241
1814415-Year Fixed Jumbo$806,501 to $2,500,000 6.6256.742901/31/20241
2731015-Year Fixed High Balance$806,501 to $1,209,7506.5006.629704/01/2024
2731330-Year Fixed High Balance$806,501 to $1,209,7507.1257.211601/02/2024

California properties only.

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Purchase Adjustable Rate Loans

Rates Effective 12/30/2024
Loan ProgramAmountRateAPR1
181585/1 30-Year Adjustable2$50,000 to $806,5006.7506.68712/30/202412/30/20241
181675/5 30-Year Adjustable3$50,000 to $806,5006.8756.66312/08/202312/08/20232
184577/1 30-Year Adjustable2$50,000 to $806,5006.7506.71712/08/202312/08/20233
1839910/1 30-Year Adjustable2$50,000 to $806,5006.8756.84012/08/202312/08/20234
1841810/10 30-Year Adjustable4$50,000 to $806,5007.0007.05012/08/202312/08/20235
184275/1 30-Year Adjustable Jumbo2$806,501 to $2,500,0006.5006.57012/08/202312/08/20236
184445/5 30-Year Adjustable Jumbo3$806,501 to $2,500,0006.6256.54612/08/202312/08/20237
183717/1 30-Year Adjustable Jumbo2$806,501 to $2,500,0006.5006.57012/08/202312/08/20238
1847410/1 30-Year Adjustable Jumbo2$806,501 to $2,500,0006.6256.65512/08/202312/08/20239
1848010/10 30-Year Adjustable Jumbo4$806,501 to $2,500,0006.7506.94712/08/202312/08/202310

California properties only.

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Refinance Fixed Rate Loans

Rates Effective 12/30/2024
Loan ProgramAmountRate

APR2

APR1
1803330-Year Fixed$50,000 to $806,5007.0007.09112/30/202412/30/20241
1803620-Year Fixed$50,000 to $806,5006.6256.73811/07/202311/07/20232
1804115-Year Fixed$50,000 to $806,5006.5006.63811/07/202311/07/20233
1804610-Year Fixed$50,000 to $806,5006.3756.56712/12/202312/12/20234
1804930-Year Fixed High Balance$806,501 to $1,209,7507.1257.21101/02/202401/02/20246
1805315-Year Fixed High Balance$806,501 to $1,209,7506.6256.75601/02/202401/02/20245
1805730-Year Fixed Jumbo$806,501 to $2,500,0007.2507.32911/09/202311/09/20237
1806115-Year Fixed Jumbo$806,501 to $2,500,0006.7506.86911/09/202311/09/20238

California properties only.

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Refinance Adjustable Rate Loans

Rates Effective 12/30/2024
Loan ProgramAmountRateAPR1
180715/1 30-Year Adjustable2$50,000 to $806,5006.8756.73912/30/2024
180775/5 30-Year Adjustable3$50,000 to $806,5007.0006.71612/08/2023
180857/1 30-Year Adjustable2$50,000 to $806,5006.8756.78512/08/2023
1809110/1 30-Year Adjustable2$50,000 to $806,5007.0006.92612/08/2023
1809810/10 30-Year Adjustable2$50,000 to $806,5007.1257.13612/08/2023
181085/1 30-Year Adjustable Jumbo2$806,501 to $2,500,0006.6256.62111/08/2023
181145/5 30-Year Adjustable Jumbo3$806,501 to $2,500,0006.7506.59712/08/2023
181187/1 30-Year Adjustable Jumbo2$806,501 to $2,500,0006.6256.63612/08/2023
1812310/1 30-Year Adjustable Jumbo2$806,501 to $2,500,0006.7506.74012/08/2023
1813010/10 30-Year Adjustable Jumbo4$806,501 to $2,500,0006.8756.95012/08/2023

California properties only.

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Interest Only Equity Line of Credit

Rates Effective 12/30/2024
AmountLoan-to-ValueRate/APR5
18186$10,000-$500,000Up to 908.00 % to 10.75%12/30/20248.0012/30/20247.500.50

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 12/30/2024
TermAmountLoan-to-ValueRate

APR1

APR7
1816810 years$10,000-$500,000Up to 80% LTV7.7508.056212/30/2024
1817115 years$10,000-$500,000Up to 80% LTV7.9908.215310/10/2023
1817620 years$10,000-$500,000Up to 80% LTV8.1258.311410/10/2023

California properties only

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ADU Equity Line of Credit

Rates Effective 12/30/2024
AmountLoan-to-ValueRate/APR8
18268$10,000 - $400,000125% as-is value
90% post-construction value		9.00% to 9.75%12/30/20249.007.50

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: $806,500

  • Conforming: Loan amount of $806,500 + closing costs
  • High Balance: Loan amount of $1,000,000 + 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.

High-Balance Mortgages allow for higher loan limits beyond the $806,500 conforming limit up to $1,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.

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 4.27%. 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 4.34. 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 4.48.

5 8.00 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 7.50%. Minimum interest rate is 3.5%. 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 9.00 APR (annual percentage rate) and other terms shown are accurate as of 12/30/2024 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 7.50%. Minimum interest rate is 3.5%. Maximum interest rate is 17%.

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