Consumer Vehicle Loan Products
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| Term | As Low As APR¹ % |
|---|---|
| 1-12 Months | 4.99% |
| 13-36 Months | 5.70% |
| 37-48 Months | 5.75% |
| 49-60 Months | 5.80% |
| 61-72 Months | 5.88% |
| 73-84 Months | 5.95% |
| 85-96 Months | 6.05% |
| Term | As Low As APR¹ % |
|---|---|
| 1-12 Months | 6.10% |
| 13-36 Months | 6.20% |
| 37-48 Months | 6.25% |
| 49-60 Months | 6.30% |
| 61-72 Months | 6.37% |
| 73-84 Months | 6.45% |
| 85-96 Months | 6.79% |
| Term | As Low As APR¹ % |
|---|---|
| 1-12 Months | 8.10% |
| 13-36 Months | 9.20% |
| 37-48 Months | 9.25% |
| 49-60 Months | 9.30% |
| 61-72 Months | 9.40% |
| 73-84 Months | 9.50% |
| 85-96 Months | 9.79% |
1Annual Percentage Rates. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. Financing is available only on vehicles with 100,000 miles or less.
Credit Card Rates
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| Product | As Low As APR¹ % |
|---|---|
| VISA® Platinum | 7.95% to 17.99% |
| Signature Line of Credit | 11.75% to 17.99% |
| Student Visa | 12.49% |
1APR=Annual Percentage Rate. No annual fees. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. Regular variable APRs 7.95 to 17.99, subject to change. All loans are subject to credit approval. As of the date of this disclosure, the Prime Rate is 8.00% APR as of 10/01/2024.
Personal Loan Products
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| Term | As Low As APR¹ % |
|---|---|
| 1-12 Months | 4.99% to 17.95% |
| 13-24 Months | 8.70% to 17.99% |
| 25-36 Months | 8.75% to 17.99% |
| 37-48 Months | 8.80% to 17.99% |
| 49-60 Months | 8.85% to 17.99% |
| 61-72 Months | 8.95% to 17.99% |
| 73-84 Months | 9.34% to 17.99% |
| Term | As Low As APR¹ % |
|---|---|
| 1-12 Months | 7.99% to 17.99% |
| 13-24 Months | 12.30% to 17.99% |
| 25-36 Months | 12.35% to 17.99% |
| 37-48 Months | 12.40% to 17.99% |
| 49-60 Months | 12.45% to 17.99% |
| 61-72 Months | 14.45% to 17.99% |
| 73-84 Months | 16.44% to 17.99% |
1Annual Percentage Rates. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. As of the date of this disclosure, the Prime Rate is 8.00% APR as of 10/01/2024.
Savings & CDs Products
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Regular Savings & Money Market Yield
| Amount | APY* |
|---|---|
| $100 (min) | 0.015% |
| $2,500 (min) | 0.015% |
| $20,000 (min) | 0.015% |
| $50,000 (min) | 0.025% |
| $80,000 (min) | 0.025% |
| Amount | APY* |
|---|---|
| $2,500 (min) | 0.100% |
| $20,000 (min) | 0.15% |
| $50,000 (min) | 0.351% |
| $80,000 (min) | 0.501% |
| Amount | APY* |
|---|---|
| IRA Savings | 0.150% |
Certificates & IRA Certificates
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 12 Months | 0.995% | 1.00% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.50% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for IRA Certificates is $1,000.
Last Updated: 11/05/2024
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 3 Months | 0.399% | 0.40% |
| 6 Months | 0.499% | 0.50% |
| 12 Months | 0.995% | 1.00% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.50% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for Certificates is $1,000.
Last Updated: 11/05/2024
*Terms & Conditions: Promotional rate valid for net new deposits only with funds that are not currently held at San Francisco Federal Credit Union; transfer of existing deposits do not qualify. Minimum deposit of $1,000 required, with no maximum deposit for a term of 11 months at 4.074% Annual Percentage Yield (APY). Funds will automatically roll over into a standard 12-month Certificate of Deposit at the end of the term. Early withdrawal penalties may apply. Rates, terms, and conditions are subject to change at any time. For more information, please call or visit a local branch: 5of.xyschool.net/locations.
Home Loan Products
| Type | Rate | APR | Points |
|---|---|---|---|
| Conforming 30 Year Fixed Rate | 6.250% | 6.348% | 0.000% |
| Super-Conforming 30 Year Fixed Rate | 6.250% | 6.348% | 0.000% |
| Jumbo 30 Year Fixed Rate | 6.500% | 6.601% | 0.000% |
| Conforming 15 Year Fixed Rate | 5.500% | 5.649% | 0.000% |
| 5/1 Adjustable Rate Mortgage | 5.750% | 6.649% | 0.000% |
| 10/1 Adjustable Rate Mortgage | 5.875% | 6.330% | 0.000% |
| 10/1 Interest-Only Adjustable Rate Mortgage | 6.125% | 6.560% | 0.000% |
Last Updated: 11/25/2024
| Type | Rate | APR | Points |
|---|---|---|---|
| HELOC 10/20 | 7.75% | 7.75% | 0.000% |
| 10 Year Home Equity Loan | 8.500% | 8.500% | 0.000% |
Last Updated: 11/25/2024