345 MIDDLEFIELD RD
MENLO PARK, CA 94025

PHONE: (650) 323-2493
TOLL FREE: (877) 323-2493
FAX: (650) 323-9541

ABA #321173289

NMLS #802192

Share Rates Loan Rates VISA Rates Fee Schedule

Effective as of: 07/01/2015
The ANNUAL PERCENTAGE RATE (APR) you receive will be within the range disclosed below and
is based on certain credit-worthiness criteria. Ask the credit union for the rate you qualify for.
 
Loan Product
Terms (in months)Level I
> 740
APR
Level II
680-739
APR
Level III
640-679
APR
Level IV
600-639
APR
Level V
< 600
APR
 
Signature Loan*
24-60 months8.25%10.25%12.25%14.25%16.25%
Gold Line of Credit*
24-60 months10.00%12.00%14.00%16.00%18.00%
Share or Certificate Secured*
Up to 60 months - 2.00%n/an/an/an/an/a
New Auto*
36 months
48-60months
72-84 months
96 months
1.99%
2.24%
3.49%
5.74%
2.99%
3.24%
4.49%
6.74%
5.99%
6.49%
7.24%
9.49%
9.49%
9.99%
10.74%

12.49%
12.99%
13.74%

Used Auto*
36 months
48-60 months
72 months

1.99%
2.24%
3.49%

2.99%
3.24%
4.49%

6.49%
6.99%
7.74%

9.99%
10.49%
11.24%

12.99%
13.49%
14.24%
New Hybrid*
60 months1.74%2.74%5.99%9.49%12.49%
Used Hybrid*
60 months1.742.74%6.49%9.99%12.99%
Move it to Menlo*
60 months3.49%4.49%7.74%10.99%13.99%
New Recreational Vehicle*
84 months
120 months
8.00%
8.00%
9.00%
9.00%
10.00%
10.00%
12.00%
12.00%
15.00%
15.00%
Used Recreational Vehicle*
84 months
120 months
9.00%
9.00%
10.00%
10.00%
11.00%
11.00%
13.00%
13.00%
16.00%
16.00%
New Vessels*
60 months
120 months
9.00%
9.00%
10.00%
10.00%
11.00%
11.00%
13.00%
13.00%
16.00%
16.00%
Used Vessels*
60 months
120 months
9.00%
9.00%
10.00%
10.00%
11.00%
11.00%
13.00%
13.00%
16.00%
16.00%
New Mobile Home*
60 months
120 months
180 months
5.00%
7.50%
8.00%
6.00%
8.50%
9.00%
7.00%
9.50%
10.00%
9.00%
11.50%
12.00%
12.00%
14.50%
15.00%
Non-Owner Occupied
60 months
120 months
180 months
6.00%
9.00%
10.00%
7.00%
10.00%
11.00%
8.00%
11.00%
12.00%
10.00%
13.00%
14.00%
13.00%
16.00%
17.00%
Used Mobile Home*
60 months
120 months
180 months
5.00%
7.50%
9.00%
6.50%
9.00%
9.50%
7.50%
10.00%
10.50%
9.50%
12.00%
12.50%
12.50%
15.00%
15.50%
Non-Owner Occupied
60 months
120 months
180 months
6.00%
9.00%
11.00%
7.50%
10.50%
11.50%
8.50%
11.50%
12.50%
10.50%
13.50%
14.50%
13.50%
16.50%
17.50%
Manufactured Home*
360 months7.00%8.00%9.00%11.00%14.00%
* Rate level determined by credit union based on Experian score pulled at the time of the application.
Certificate Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown in the % Above Index specified above.
Collateral loans have insurance requirements. Please note: Alternative Fuel Vehicles receive a rate reduction of 0.50%. (i.e. Hybrid, Electric, etc.)
The credit union will not extend credit to any member who has filed bankruptcy within the past 7 years or is in the process of completing a Chapter XIII bankruptcy.