Rates

Loan Rates

Apply for a Loan

**APR** = Annual Percentage Rate. Rates as of January 1, 2026.

Quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Subject to approved credit. Rates are for reference only and may change without notice.
Loan Category	Type	Term	APR*
Autos	New (2022 and newer)	Up to 48 months	4.54%
Autos	New (2022 and newer)	Up to 84 months	5.79%
Autos	Used (2015-2021)	Up to 72 months	5.49%
Motorcycles	New (2018 and newer)	Up to 36 months	6.40%
Motorcycles	New (2018 and newer)	Up to 75 months	7.90%
Boats & RVs	New (2018 and newer)	Up to 36 months	7.90%
Boats & RVs	New (2018 and newer)	Up to 120 months	9.15%
Unsecured	Personal	Up to 84 months	8.74%
Unsecured	Overdraft (revolving)	Revolving	9.65%
Other Secured	Share Secured	Up to 84 months	Share Rate + 3.00%

Open an Account

Special share certificate rates are grouped by deposit balance.

**APY** = Annual Percentage Yield. Rates as of June 2, 2026.

* Advantage Checking APY applies to daily balances over $10,000.
Account	Balance	Rate	APY*
Savings	All balances	0.05%	0.05%
Pay Yourself Savings	All balances	0.05%	0.05%
Money Market	$2,500 - $9,999	0.15%	0.15%
Money Market	$10,000 - $24,999	0.20%	0.20%
Money Market	$25,000 - $49,999	0.30%	0.30%
Money Market	$50,000 - $99,999	0.50%	0.50%
Money Market	$100,000+	0.50%	0.50%
Advantage Checking	Daily balance over $10,000	0.01%	0.01%
Big Easy Checking	All balances	0.01%	0.01%

Dividends are paid monthly and at maturity. The APY disclosed assumes dividends remain on deposit until maturity. Withdrawals reduce earnings. Penalties for early withdrawal may apply. Rates subject to change daily.
Balance	Term	Rate	APY*
$2,000 - $9,999	3 months	0.35%	0.35%
$2,000 - $9,999	6 months	2.80%	2.84%
$2,000 - $9,999	12 months	3.15%	3.20%
$2,000 - $9,999	18 months	3.74%	3.80%
$2,000 - $9,999	24 months	3.25%	3.30%
$2,000 - $9,999	36 months	3.35%	3.40%
$2,000 - $9,999	48 months	3.45%	3.50%
$2,000 - $9,999	60 months	3.83%	3.90%
$10,000 - $49,999	3 months	0.40%	0.40%
$10,000 - $49,999	6 months	2.82%	2.86%
$10,000 - $49,999	12 months	3.20%	3.25%
$10,000 - $49,999	18 months	3.78%	3.85%
$10,000 - $49,999	24 months	3.30%	3.35%
$10,000 - $49,999	36 months	3.40%	3.45%
$10,000 - $49,999	48 months	3.50%	3.55%
$10,000 - $49,999	60 months	3.88%	3.95%
$50,000+	3 months	0.45%	0.45%
$50,000+	6 months	2.85%	2.89%
$50,000+	12 months	3.25%	3.30%
$50,000+	18 months	3.83%	3.90%
$50,000+	24 months	3.35%	3.40%
$50,000+	36 months	3.45%	3.50%
$50,000+	48 months	3.55%	3.60%
$50,000+	60 months	3.93%	4.00%

Compare Cards

**APR** = Annual Percentage Rate. Rates are variable and subject to change.
Card	Annual Fee	APR*	Rewards
VISA Traditional Credit Card	$0	10.15% - 16.15%	No cash back rewards
VISA Signature Credit Card	$0	15.15% - 16.15%	1% cash back rewards
VISA Share Secured Credit Card	$0	Based on Prime plus your savings rate APY	No cash back rewards

Mortgage Center View HELOC Details

For current mortgage rates, visit the Cabrillo Credit Union mortgage center.

Minimum annual percentage rate is as low as Prime plus 0.50%. The Prime Rate as of December 15, 2025 is 6.75%, and the corresponding variable APR is 7.50% to 18.00%. Rates subject to change.
Loan Amount	Term	Rate
Up to $250,000	Up to 180 months	Variable