*APR = Annual Percentage Rate
All signers on the loan note must be entered as co-signers when loan is funded.
INSURANCE REQUIREMENTS:
- Comprehensive and Collision insurance with a maximum deductible of $1000 is required on all collateral.
- Continuous coverage with no lapses.
- No excluded drivers.
- San Joaquin Power Employees CU named as lien holder or loss payee.
Rates Effective 03/01/2025
| Amount | Term | APR* |
|---|---|---|
| $3,000 to $125,000 | 60 Month | 5.15% |
| $10,000 to $125,000 | 72 Month | 5.25% |
| $20,000 to $125,000 | 84 Month | 6.25% |
- New and Used Auto Purchase: 115% of manufacturer’s suggested retail price (M.S.R.P.), appraisal or Kelley Blue Book retail.
- Used Auto Refinance – No Cash Out: 115% of Kelley Blue Book retail or appraisal.
- Used Auto Refinance – With Cash Out: 100% of Kelley Blue Book lending value.
| Amount | Term | APR* |
|---|---|---|
| $3,000 to $125,000 | 60 Month | 5.65% |
| $10,000 to $125,000 | 72 Month | 5.65% |
| $20,000 to $125,000 | 84 Month | 6.65% |
| $35,000 to $125,000 | 120 Month | 7.35% |
| $50,000 to $125,000 | 144 Month | 7.75% |
- New and Used RV, Boat and Motorcycle Purchase: 100% of M.S.R.P. or NADA average retail (no options) or appraisal.
- Used RV, Boat and Motorcycle Refinance – No Cash Out: 100% of NADA average retail (no options) or appraisal.
- Used RV, Boat and Motorcycle Refinance – With Cash Out: 90% of NADA low retail (no options) or appraisal.
| TERM | APR* |
|---|---|
| 60 Month | 4.90% |
| 72 Month | 5.00% |
| 84 Month | 6.00% |
| 120 Month | 6.75% |
| Amount | Term | APR* |
|---|---|---|
| $3,000 to $30,000 | 24 Month | 6.95% |
| $3,000 to $30,000 | 36 Month | 7.50% |
| $3,000 to $30,000 | 60 Month | 8.90% |
| $3,000 to $30,000 | 84 Month | 10.50% |
- Signature Loan – $30,000 maximum.
| Amount | Term | APR* |
|---|---|---|
| $3,000 to $30,000 | 30 TO 180 Day | 16.25% |
- One-Pay Loan: There will be a minimum charge of one (1) month interest on payoff of all one-pay loans.
- One-pay loans can be extended only twice (share secured are excluded unless the interest rate is lower than the current rate).
| Amount | Term | APR* |
|---|---|---|
| $3,000 to $30,000 | 120 Month | 8.90% |
