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San Joaquin Power Employees Credit Union

PG&E credit union since 1934

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Home Loan Policy and Rates

All loans are 0/5 Adjustable Rate Mortgages.

Any signer on a real estate loan must be eligible for membership in this credit union.

APR = Annual Percentage Rate
CLTV = Cumulative Loan To Value

INFORMATION SUBJECT TO CHANGE

First Mortgage Owner Occupied

Max. Loaned* Max. Term APR % Max. CLTV%
$806,500 15 Year 4.67% 75%
$806,500 30 Year 5.17% 75%

* The Maximum Loan amount is $806,500 for “most counties.”

First Mortgage Non-Owner Occupied

Max. Loaned* Max. Term APR % Max. CLTV%
$806,500 15 Year 5.67% 65%
$806,500 30 Year 6.17% 65%

* The Maximum Loan amount is $806,500 for “most counties.”

Home Equity Loan-Owner Occupied

Max. Loaned Max. Term APR % Max. CLTV%
$200,000 10 Year 6.17% 75%
$200,000 20 Year 6.67% 75%

 

Solar Home Equity Loan-Owner Occupied

Max. Loaned Max. Term APR % Max. CLTV%
$100,000 10 Year 5.92% 80%
$100,000 20 Year 6.42% 80%

 

Home Equity Loan Non-Owner Occupied

Max. Loaned Max. Term APR % Max. CLTV%
$200,000 10 Year 8.17% 65%
$200,000 20 Year 9.17% 65%

 

Unimproved Property Loan

Max. Loaned Max. Term APR % Max. CLTV%
$100,000 10 Year 9.17% 60%
$100,000 20 Year 10.17% 60%

 

Primary Sidebar

Hours of Operation:

Monday – Friday
8:30 AM- 4:30 PM


Last Working Day Of The Month
Close at 2:00 PM

Phone Numbers:

Local: (559) 230-5080
Toll Free: (800) 637-5993
Fax: (559) 230-5097

Location

Physical & Mailing Address:
1080 W. Shaw Ave. Suite 109
Fresno, CA 93711

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NMLS# 107952

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