当前利率- Patelco信用合作社-太阳集团平台

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Money Market Plus Money Market Select Interest Checking Savings & ScoreUp Savings Health Savings Accounts Holiday Club

ID	Display Order	Checking Requirements Met² Checking Requirements Met²	Min Balance	Max Balance	APY¹	Rate³	Dividends Paid	Effective Date	fee-free ATMs
25664	1	Yes	$250,000.00	N/A	4.50	4.41	Monthly	01/12/2023	30,000+ fee-free ATMs
25655	2	Yes	$100,000.00	$249,999.99	4.00	3.93	Monthly	01/12/2023	4.50% APY¹
25661	3	Yes	$50,000.00	$99,999.99	3.51	3.45	Monthly	01/12/2023
25658	4	Yes	$1.00	$49,999.99	3.00	2.96	Monthly	01/12/2023
25647	5	No	$1.00	N/A	0.05	0.05	Monthly	01/12/2023

Money Market Select Account & Money Market Select IRA⁴

Rates Effective 12/01/2022

ID	Display Order	Term	Tier	Min. Balance Min Balance	Max Balance	APY¹	Rate	Dividends Paid	Effective Date	deposit	fee-free ATMs
17990	1	None	1	$0.00	$2,000.00	2.00	1.98	Monthly	01/12/2022
18641	2	None	2	$2,000.01	$5,000.00	1.50	1.49	Monthly	01/12/2022	$1	30,000+ Fee-free ATMs
18652	3	None	3	$5,000.01	$10,000.00	1.00	1.00	Monthly	01/12/2022
18658	4	None	4	$10,000.01	$50,000.00	0.25	0.25	Monthly	21/09/2018
18661	5	None	5	$50,000.01	$100,000.00	0.20	0.20	Monthly	21/09/2018
18668	6	None	6	$100,000.01	$9,999,999.99	0.15	0.15	Monthly	21/09/2018

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Interest Checking

Rates Effective 01/01/2023

ID	Display Order	Term	Minimum Balance Min. Balance	APY APY¹	Rate	Dividends Paid	Effective Date	Monthly Fee	Description
18056	1	None	$0.00	0.05	0.05	Monthly	01/01/2023	$5 免除每日最低余额为 $500

Term

Minimum Balance

Min. Balance

APY

APY¹

Rate

Dividends Paid

18056

None

$0.00

0.05

Monthly

01/01/2023

$5 免除每日最低余额为 $500

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Savings & ScoreUp Savings⁵

Rates Effective 01/01/2020

ID	Display Order	Term	Min. Balance	APY¹	Rate	Dividends Paid	Effective Date	Monthly Fee	Description
18344	1	None	$0.00	0.05	0.05	Monthly	01/01/2020	None	¹ APY = Annual Percentage Yield. ² Annual and individual member figures are from the Credit Union National Association Membership Benefits Study in 2021. Assumed to have a $30,000, 60-month new auto loan, 一张平均余额为5美元的经典信用卡,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,在一个有利息的支票账户里存1万英镑, $10,1年期的存单, and $2,500 in a money market account. ³ 如上所述，Savings和ScoreUp Savings具有相同的利率. A ScoreUp Savings Account is opened in conjunction with a ScoreUp Credit Builder Loan.
18701	2	None	$5,000.00	0.05	0.05	Monthly	01/01/2020
18715	3	None	$10,000.00	0.05	0.05	Monthly	01/01/2020
18727	4	None	$20,000.00	0.05	0.05	Monthly	01/01/2020
18737	5	None	$50,000.00	0.05	0.05	Monthly	01/01/2020
18744	6	None	$100,000.00	0.05	0.05	Monthly	01/01/2020

ID	Display Order	Term	Min. Balance	APY¹	Rate	Dividends Paid	Effective Date
18398	3	None	$3,500.01	0.25	0.25	Monthly	01/01/2020
18392	2	None	$2,000.01	0.10	0.10	Monthly	01/01/2020
18389	1	None	$0.00	0.05	0.05	Monthly	01/01/2020

ID	Term	Min. Balance	APY¹	Rate	Dividends Paid	Effective Date	Monthly Fee
18409	None	$20.00	0.05	0.05	At Maturity	14/06/2022	$0 monthly fee and no minimum balance

² Checking requirements: In order to attain high interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. 如果账户不符合资格，则利率较低，为0.该月的APY将被拖欠. 合格的存款交易包括:工资直接存款, 社会保障(或其他政府福利)直接存款, ACH transfers, Zelle, Venmo, PayPal or other similar deposits, cash deposits, 支票存款(从另一个Patelco账户开出的支票除外), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers, 来自帕特尔科的退款或促销奖励.

³ Rates – Rates are effective as of 12/01/2023 and are subject to change before or after account opening without notice. 费率因等级而异，并适用于帐户的全部余额.

⁴ 利息按每一等级的余额按等级利率支付. 支付的总利息是每一层的总和. 利率如于开户后更改，恕不另行通知.

⁵ 如上所述，Kids Savings、Savings和ScoreUp Savings的利率相同. A ScoreUp Savings Account is opened in conjunction with a ScoreUp Credit Builder Loan.

优先利息支票账户:8月30日生效, 2019, 赚取首要利息检查利率为0的最低余额.10% APY is $5,000.00. If your balance falls below $5,000.00, your account balance will earn the same rate as our Interest Checking account for that day. Average daily balances below $5,000.00的收费为每月10元(请参阅 Fee Schedule). For other terms and conditions of the Premier Interest Checking Account, please refer to the Patelco Member Handbook.

Certificates IRA Certificates³

Certificates

Rates Effective 03/01/2024

ID	Display Order	Term	Min. Balance Min Balance	APY¹	Rate	Dividends Paid	Effective Date	Default Display Terms	Maximum Saving	Month
18417	1	3 - 5 Months	$250.00	1.00	1.00	At Maturity	01/03/2024	3 to 60 months	0	At Maturity
18422	2	6 - 11 Months	$250.00	2.00	1.98	At Maturity	01/08/2023		0
18545	4	12 - 17 Months	$250.00	3.00	2.96	Monthly	01/08/2023		0
18557	5.2	18 - 23 Months	$250.00	3.75	3.69	Monthly	01/08/2023		$500,000.00	18-Month
18565	7	24 - 35 Months	$250.00	3.50	3.45	Monthly	01/08/2023		0
18571	8	36 - 47 Months	$250.00	3.00	2.96	Monthly	01/08/2023		0
18577	9	48 - 59 Months	$250.00	3.00	2.96	Monthly	01/08/2023		0
18584	10	60 Months	$250.00	3.00	2.96	Monthly	01/08/2023	3 to 60 Months	0
28693	4	14 Month Promo^*	$250.00	4.90	4.80	Monthly	01/02/2024		0
28698	6	23 Month Promo^*	$250.00	4.60	4.51	Monthly	01/08/2023		0

^*14个月证书推广费率为4.90% APY and standard rate of 4.60% APY; 23-Month Certificate Promotion has a premium rate of 4.60% APY and standard rate of 4.10% APY. 保险费率要求作为Patelco会员任职10年以上, 或者一个活跃的支票账户，每月至少存款500美元²

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IRA Certificates³

Rates Effective 03/01/2024

ID	Display Order	Term	Min. Balance	APY¹	Rate	Dividends Paid	Effective Date
28701	4	14 Month Promo	$250.00	4.90	4.80	Monthly	01/08/2023
28704	6	23 Month Promo	$250.00	4.60	4.51	Monthly	01/08/2023
18651	10	60 Months	$250.00	3.00	2.96	Monthly	01/08/2023
18645	9	48 - 59 Months	$250.00	3.00	2.96	Monthly	01/08/2023
18635	8	36 - 47 Months	$250.00	3.00	2.96	Monthly	01/08/2023
18627	7	24 - 35 Months	$250.00	3.50	3.45	Monthly	01/08/2023
18517	5.2	18 - 23 Months	$250.00	3.75	3.69	Monthly	01/08/2023
18510	3	12 - 17 Months	$250.00	3.00	2.96	Monthly	01/08/2023
18486	2	6 - 11 Months	$250.00	2.00	1.98	At Maturity	01/08/2023
18462	1	3 - 5 Months	$250.00	1.00	1.00	At Maturity	01/03/2024

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注意:提前提取所有证书都有罚款. 请参阅Patelco会员手册中的证书帐户部分.

¹ APY = Annual Percentage Yield. 税率从2024年3月1日起生效. 利率在到期或续期时可能有所不同.

² 证书晋升利率视乎资历而定. 14个月证书推广费率为4.90% APY and standard rate of 4.60% APY; 23-Month Certificate promotion has a premium rate of 4.60% APY and standard rate of 4.10% APY. 以获得任何证书推广期限的高保费率, you must meet at least one of the following criteria: Tenure of 10+ years as of 12/31/2024, OR a checking account (under the same membership) prior to Certificate opening with a total recurring monthly deposit of $500 or more. 如果任何时候都不符合支票账户的条件, the rate will be reduced to the lower standard rate and will not be reinstated thereafter. 合格的存款交易包括:工资直接存款, 社会保障(或其他政府福利)直接存款, ACH transfers, Zelle®, Venmo, PayPal or other similar deposits, cash deposits, 支票存款(从另一个Patelco账户开出的支票除外), wire transfers, multiple deposits (of the types listed here) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers, 来自帕特尔科的退款或促销奖励. 所有存单都有提前取款的处罚. For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Fees could reduce earnings. 的“证书帐户”部分 Patelco Member Handbook.

³ All regular certificates can be opened as IRA certificates, unless otherwise noted. 所有证书和IRA证书的最低余额为250美元.00.

Vehicle Loans Boats, Motor Homes, Travel Trailers Motorcycle Loans Credit Cards Secured Loans Personal Loans Other Loans

Vehicle Loans

Rates Effective 05/18/2024

ID	Type	Term	Minimum Amount	Range of APR¹	Effective Date	Display Order	High Rate	Low Rate	Rate Type vehicle Example
17938	New Auto (2023 or newer) Up to 140% financing	0 to 48 months	None	6.49% to 17.99%	18/05/2024	1	17.99	6.49	0‑48 months: $23.每借1000美元每月77美元.49% APR for 48 months; 49‑66 months: $18.每1000美元每月借11美元.49% APR for 66 months; 67‑72 months: $17.每1000美元每月6美元.79% APR for 72 months; 73‑84 months: $15.每借1000美元每月26美元.24% APR for 84 months.
17707	New Auto (2023 or newer) Up to 140% financing	49 to 66 months	None	6.49% to 17.99%	27/10/2023	2	17.99	6.49
17713	New Auto (2023 or newer) Up to 140% financing	67 to 72 months	$10,000 For 72 Month Term	6.79% to 17.99%	27/10/2023	3	17.99	6.79
17710	New Auto (2023 or newer) Up to 140% financing	73 to 84 months	$15,000 For 84 Month Term	7.24% to 17.99%	27/10/2023	4	17.99	7.24
17884	Used Auto (2022 - 2014) Up to 140% of Blue Book Maximum 150,000 miles	0 to 48 months	None	6.74% to 17.99%	18/05/2024	5	17.99	6.74	0‑48 months: $23.每借1000美元每月89美元.74% APR for 48 months; 49‑66 months: $18.每1000美元每月借23美元.74% APR for 66 months; 67‑72 months: $17.每1000美元每月借12美元.04% APR for 72 months; 73‑84 months: $15.每借1000美元每月39美元.49% APR for 84 months.
17887	Used Auto (2022 - 2014) Up to 140% of Blue Book Maximum 150,000 miles	49 to 66 months	None	6.74% to 17.99%	20/10/2023	6	17.99	6.74
17891	Used Auto (2022 - 2014) Up to 140% of Blue Book Maximum 150,000 miles	67 to 72 months	$10,000 For 72 Month Term	7.04% to 17.99%	20/10/2023	7	17.99	7.04
17895	Used Auto (2022 - 2014) Up to 140% of Blue Book Maximum 150,000 miles	73 to 84 months	$15,000 For 84 Month Term	7.49% to 17.99%	20/10/2023	8	17.99	7.49

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Boats, Motorhomes, Travel Trailers

Rates Effective 01/01/2024

ID	Type	Term	Minimum Amount	Range of APR²	Effective Date	Display Order	Effective Date	Low Rate	High Rate	Rate Type Boat Example
17962	船，汽车之家，和旅行拖车贷款 New (2023 or newer)	up to 60 months	$5,000	7.95% to 19.45%	01/01/2024	2	01/01/2024	7.95	19.45	60 months: $20.7时每借1000美元每月32美元.95% APR; 72 months: $17.每借1000美元每月64美元.10% APR; 84 months: $15.每借1000美元每月69美元.10% APR; 120 months: $12.每1000美元每月50美元，利率为8.60% APR;180 months: $10.15per month per 1000 borrowed at 8.95% APR
18189	船，汽车之家，和旅行拖车贷款 Used (2022 - 2014)	up to 60 months	$5,000	8.45% to 19.45%	01/01/2024	1	01/01/2024	8.45	19.45
18210	船，汽车之家，和旅行拖车贷款 New (2023 or newer)	61 to 72 months	$15,000	8.10% to 19.10%	08/12/2023	3	08/12/2023	8.10	19.10
18219	船，汽车之家，和旅行拖车贷款 Used (2022 - 2014)	61 to 72 months	$15,000	8.60% to 19.10%	07/12/2022	4	07/12/2022	8.60	19.10
18230	船，汽车之家，和旅行拖车贷款 New (2023 or newer)	73 to 84 months	$25,000	8.10% to 19.10%	08/12/2023	5	08/12/2023	8.10	19.10
18236	船，汽车之家，和旅行拖车贷款 Used (2022 - 2014)	73 to 84 months	$25,000	8.60% to 19.10%	14/03/2023	6	14/03/2023	8.60	19.10
18239	船，汽车之家，和旅行拖车贷款 New (2023 or newer)	85 to 120 months	$25,000	8.60% to 19.10%	08/12/2023	7	08/12/2023	8.60	19.10
18244	船，汽车之家，和旅行拖车贷款 Used (2022 - 2014)	85 to 120 months	$25,000	9.10% to 19.10%	07/12/2022	8	07/12/2022	8.65	18.65
18267	船，汽车之家，和旅行拖车贷款 New (2023 or newer)	121 to 180 months	$50,000	8.95% to 18.95%	08/12/2023	9	08/12/2023	8.95	18.95
18273	船，汽车之家，和旅行拖车贷款 Used (2022 - 2014)	121 to 180 months	$50,000	9.45% to 18.95%	04/08/2023	10	04/08/2023	9.00	18.50

Motorcycle Loans

Rates Effective 01/01/2024

ID	Type	Term	Minimum Amount	Range of APR³	Display Order	Effective Date	Low Rate	High Rate	Rate Type Motorcycle Example
17968	Motorcycle New & Used (2014 or newer)	Up to 60 months	$1,000	7.25% to 17.05%	1	01/01/2024	7.25	17.05	60 months: $19.每1000美元每月98美元.25% APR

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Credit Cards

Rates Effective 09/26/2023

ID	Title	Type	Amount	Rate Type	APR Range¹ Range of APR⁴	Low Rate	Display Rate	Display Order	Effective Date	Display Amount
17972	Credit Cards-Pure Mastercard	Pure Mastercard^®	$300 - $50,000	Variable	11.75% to 18.95%	11.75	11.20	1	26/09/2023	$90,000
18284	信用卡-积分奖励世界万事达卡	Points Rewards World Mastercard^®	$300 - $50,000	Variable	13.40% to 21.90%	12.9	13.4	2	26/09/2023
18300	信用卡-进步学生奖励万事达卡	Progress Student Rewards Mastercard^®	$300 - $5,000	Variable	13.40% to 21.90%	13.40	13.40	3	26/09/2023	$50,000
18308	信用卡——纯安全的万事达信用卡	Pure Secured Mastercard^®	$300 - $10,000	Variable	11.45%	11.45	11.75	4	26/09/2023	$10,000

Secured Loans

Rates Effective 02/16/2023

ID	Type	Term	Amount	APR⁵	Display Order	Effective Date	Default Display Rate
17976	Certificate-Secured	Due upon maturity	Equal to certificate	CD rate + 2.25	1	16/02/2023	2.25
18337	Savings-Secured	Up to 60 months	Equal to savings	2.50	2	16/02/2023	2.5
18345	ScoreUp^® Credit Builder	Up to 24 months	$500 to $2,500	5.50	3	16/02/2023	5.5
18352	ScoreUp^® Credit Builder	Up to 36 months	$2,501 to $5,000	5.50	4	16/02/2023	5.5

Personal Loans

Rates Effective 04/12/2024

ID	Type	Term	Amount	Range of APR⁶	Effective Date	Display Order	Low Rate	High Rate	Loan Amount	Label	Rate Type Personal Example
17979	Personal Loan	6-36 months	$300 to $100,000	9.30% to 17.90%	12/04/2024	1	9.30	17.90	$100,000	Personal Loan	The APR range is 9.30% to 17.90%，期限由6至84个月不等. 例如，如果你收到一笔1万美元的贷款，利率为9.30%，不收取手续费，36个月支付320美元.你的财务费用是1534美元.39元，你的还款总额为11534元.39
18361	Personal Loan	37-48 months	$300 to $100,000	9.95% to 17.90%	12/04/2024	2	9.95	17.9		Personal Loan
18364	Personal Loan	49-60 months	$300 to $100,000	10.20% to 17.90%	08/12/2023	3	10.20	17.9		Personal Loan
18370	Personal Loan	61-72 months	$20,000 to $100,000	10.70% to 17.90%	27/10/2023	4	10.70			Personal Loan
18377	Personal Loan	73-84 months	$30,000 to $100,000	11.20% to 17.90%	27/10/2023	5	10.95	17.9		Personal Loan

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Other Loans

Rates Effective 04/05/2023

ID	Type	Term	Amount	Range of APR⁷	Display Order	Effective Date	Low Rate	High Rate
17982	Signature Line of Credit	Open-ended	Up to $50,000	12.00% to 17.90%	1	05/04/2023	12.00	17.90
19910	Instant BackUp^™ Line of Credit	Open-ended	Up to $500	17.90	2	05/04/2023	12	17.9

我们无法为品牌游戏提供融资.g. – salvaged, lemon law) or the following types of commercial vehicles: Chevrolet Silverado 4500 – 6500, Chevrolet Express, Dodge Ram Promaster/Promaster City, Dodge Ram Chassis 4500, Ford F-450 or higher, Ford Transit/Transit Connect, GMV Savana, GMC Sierra 4500, Mercedes Benz Sprinter, Mercedes Benz Metris , Nissan NV and NV2000. 向团队成员咨询更多细节.

APR = Annual Percentage Rate. 就信用卡而言，年利率适用于购物和余额转账.

¹ APR = (Annual Percentage Rate). Auto rates starting at 6.49% effective 05/18/2024; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. 车辆行驶里程超过10公里将包括额外费用 .50% added to rate. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. To learn more about rates, terms, 会员享有独家折扣, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. 贷款偿还示例:0 - 48个月:23美元.每借1000美元每月77美元.49% APR for 48 months; 49‑66 months: $18.每1000美元每月借11美元.49% APR for 66 months; 67‑72 months: $17.每1000美元每月6美元.79% APR for 72 months; 73‑84 months: $15.每借1000美元每月26美元.24% APR for 84 months.
² APR = (Annual Percentage Rate). Rates as low as 7.95% APR effective 01/01/2024. 贷款利率如有更改，恕不另行通知，并须经信贷审批. Patelco根据信用记录等因素提供一系列利率, loan term, mileage, Patelco account and loan balances.  Additional .里程超过100k的，费率增加50%(最大里程为125k). 根据车型年+贷款期限，最长可达20年. . Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 19.10% APR. 欲了解更多有关费率，条款和可用折扣，请致电 800.358.8228, visit viogallery.com or visit any Patelco branch. 贷款偿还示例:60个月:20美元.7时每借1000美元每月32美元.95% APR; 72 months: $17.每借1000美元每月64美元.10% APR; 84 months: $15.每借1000美元每月69美元.10% APR; 120 months: $12.每1000美元每月50美元，利率为8.60% APR;180 months: $10.15per month per 1000 borrowed at 8.95% APR
³ APR = Annual Percentage Rate. Rates as low as 7.25%  APR effective 01/01/2024. 贷款利率如有更改，恕不另行通知，并须经信贷审批. Patelco根据信用记录等因素提供一系列利率, loan term, Patelco account and loan balances. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.05% APR. 欲了解更多有关费率，条款和可用折扣，请致电 800.358.8228, visit viogallery.com or visit any Patelco branch. 贷款偿还示例:60个月:19美元.每1000美元每月98美元.25% APR
⁴ APR=Annual Percentage Rate. Variable APR as of 09/26/2023. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. 适用于购买和余额转账.
⁵ Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.25.
⁶ APR = Annual Percentage Rate. 房价于2024年4月12日生效，并须经信贷审批. 年利率的范围取决于包括信贷类型在内的因素, loan term, 家庭/账户关系和申请人信用/评分. 贷款条件取决于各种因素，包括融资金额. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit viogallery.com, call 800.358.8228, or stop by a branch. The APR range is 9.30% to 17.90%，期限由6至84个月不等. 例如，如果你收到一笔1万美元的贷款，利率为9.30%，不收取手续费，36个月支付320美元.你的财务费用是1534美元.39元，你的还款总额为11534元.39
⁷ APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. 贷款利率将于2023年5月4日生效. The APR range is 12.00% to 17.90% for Signature Line of Credit. The APR is 17.90% for Instant BackUp^™ Line of Credit. Minimum payment is $25.或未付余额的2%，以较高者为准. To learn more about rates, terms, 会员享有独家折扣, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.

Purchase Fixed Rate Loans Purchase Adjustable Rate Loans Refinance Fixed Rate Loans Refinance Adjustable Rate Loans Interest Only Equity Line of Credit Home Equity Loans ADU Equity Line of Credit

Purchase Fixed Rate Loans

Rates Effective 05/20/2024

ID	Loan Program	Amount	Rate	APR² APR¹	Display Order	Effective Date	conforming_amount	jumbo_mortgage
17986	30-Year Fixed	$50,000 to $766,550	7.000	7.092	1	20/05/2024	$766,550
18072	30年期固定利率(无成交成本，折价3%)	$50,000 to $766,550	7.500	7.565	2	08/11/2023
18090	20-Year Fixed	$50,000 to $766,550	6.500	6.613	3	12/12/2023
18120	15-Year Fixed	$50,000 to $766,550	6.500	6.641	4	12/12/2023
18139	10-Year Fixed	$50,000 to $766,550	6.125	6.315	5	02/01/2024
18145	30-Year Fixed Jumbo	$766,551 to $2,500,000	6.750	6.823	8	31/01/2024		1
18144	15-Year Fixed Jumbo	$766,551 to $2,500,000	7.125	7.251	9	31/01/2024		1
27310	15-Year Fixed High Balance	$766,551 to $1,149,825	7.375	7.519	7	01/04/2024
27313	30-Year Fixed High Balance	$766,551 to $1,149,825	7.375	7.465	6	02/01/2024

California properties only.

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Purchase Adjustable Rate Loans

Rates Effective 05/20/2024

ID	Loan Program	Amount	Rate	APR¹	Rate Effective Date	Effective Date	display_order_mortagage
18158	5/1 30-Year Adjustable²	$50,000 to $766,550	6.500	7.107	20/05/2024	20/05/2024	1
18167	5/5 30-Year Adjustable³	$50,000 to $766,550	6.625	6.561	08/12/2023	08/12/2023	2
18457	7/1 30-Year Adjustable²	$50,000 to $766,550	6.500	7.002	08/12/2023	08/12/2023	3
18399	10/1 30-Year Adjustable²	$50,000 to $766,550	6.625	6.960	08/12/2023	08/12/2023	4
18418	10/10 30-Year Adjustable⁴	$50,000 to $766,550	6.750	6.839	08/12/2023	08/12/2023	5
18427	5/1 30-Year Adjustable Jumbo²	$766,551 to $2,500,000	6.500	7.091	08/12/2023	08/12/2023	6
18444	5/5 30-Year Adjustable Jumbo³	$766,551 to $2,500,000	6.625	6.546	08/12/2023	08/12/2023	7
18371	7/1 30-Year Adjustable Jumbo²	$766,551 to $2,500,000	6.500	6.986	08/12/2023	08/12/2023	8
18474	10/1 30-Year Adjustable Jumbo²	$766,551 to $2,500,000	6.625	6.944	08/12/2023	08/12/2023	9
18480	10/10 30-Year Adjustable Jumbo⁴	$766,551 to $2,500,000	6.750	7.231	08/12/2023	08/12/2023	10

California properties only.

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Refinance Fixed Rate Loans

Rates Effective 05/20/2024

ID	Loan Program	Amount	Rate	APR² APR¹	Rate Effective Date	Effective Date	Display Order
18033	30-Year Fixed	$50,000 to $766,550	7.000	7.092	20/05/2024	20/05/2024	1
18036	20-Year Fixed	$50,000 to $766,550	6.500	6.613	07/11/2023	07/11/2023	2
18041	15-Year Fixed	$50,000 to $766,550	6.500	6.641	07/11/2023	07/11/2023	3
18046	10-Year Fixed	$50,000 to $766,550	6.375	6.571	12/12/2023	12/12/2023	4
18049	30-Year Fixed High Balance	$766,551 to $1,149,825	7.375	7.465	02/01/2024	02/01/2024	6
18053	15-Year Fixed High Balance	$766,551 to $1,149,825	7.500	7.646	02/01/2024	02/01/2024	5
18057	30-Year Fixed Jumbo	$766,551 to $2,500,000	6.875	6.950	09/11/2023	09/11/2023	7
18061	15-Year Fixed Jumbo	$766,551 to $2,500,000	7.250	7.378	09/11/2023	09/11/2023	8

California properties only.

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Refinance Adjustable Rate Loans

Rates Effective 05/20/2024

ID	Loan Program	Amount	Rate	APR¹	Effective Date
18071	5/1 30-Year Adjustable²	$50,000 to $766,550	6.625	7.158	20/05/2024
18077	5/5 30-Year Adjustable³	$50,000 to $766,550	6.750	6.613	08/12/2023
18085	7/1 30-Year Adjustable²	$50,000 to $766,550	6.625	7.068	08/12/2023
18091	10/1 30-Year Adjustable²	$50,000 to $766,550	6.750	7.045	08/12/2023
18098	10/10 30-Year Adjustable²	$50,000 to $766,550	6.875	6.924	08/12/2023
18108	5/1 30-Year Adjustable Jumbo²	$766,551 to $2,500,000	6.625	7.142	08/11/2023
18114	5/5 30-Year Adjustable Jumbo³	$766,551 to $2,500,000	6.750	6.597	08/12/2023
18118	7/1 30-Year Adjustable Jumbo²	$766,551 to $2,500,000	6.625	7.052	08/12/2023
18123	10/1 30-Year Adjustable Jumbo²	$766,551 to $2,500,000	6.750	7.029	08/12/2023
18130	10/10 30-Year Adjustable Jumbo⁴	$766,551 to $2,500,000	6.875	6.908	08/12/2023

California properties only.

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Interest Only Equity Line of Credit

Rates Effective 05/20/2024

ID	Amount	Loan-to-Value	Rate/APR⁵	Rate Effective Date	Variable Rate	Effective Date	Rate	Save Rate
18186	$10,000-$500,000	Up to 90	9.00% to 11.75%	20/05/2024	9.00	20/05/2024	8.50	0.50

Save 0.当您设置自动付款和定期存款时，可享受50%的折扣.⁶
Variable rate, open-ended loan. California properties only

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Home Equity Loans

Rates Effective 05/20/2024

ID	Term	Amount	Loan-to-Value	Rate	APR¹ APR⁷	Display Rate	Effective Date
18168	10 years	$10,000-$500,000	Up to 80% LTV	8.000	8.219	2	20/05/2024
18171	15 years	$10,000-$500,000	Up to 80% LTV	8.125	8.285	3	10/10/2023
18176	20 years	$10,000-$500,000	Up to 80% LTV	8.250	8.382	4	10/10/2023

Term

Amount

Loan-to-Value

Rate

APR¹

APR⁷

18168

10 years

$10,000-$500,000

Up to 80% LTV

8.000

8.219

20/05/2024

18171

15 years

$10,000-$500,000

Up to 80% LTV

8.125

8.285

10/10/2023

18176

20 years

$10,000-$500,000

Up to 80% LTV

8.250

8.382

10/10/2023

California properties only

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ADU Equity Line of Credit

Rates Effective 05/20/2024

ID	Display Order	Amount	Loan-to-Value	Rate/APR⁸	Effective Date	Default Display Rate	label	APR RATE
18268		$10,000 - $400,000	125% as-is value 90% post-construction value	10.00% to 10.75%	20/05/2024	10.00	8.5

California properties only

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Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. 此处的任何内容都不应被解释为提供或承诺贷款. 贷款须经信贷和财产审批. 其他条件和限制可能适用. Hazard insurance is required. NMLS ID Number is 506373.

¹ APR = Annual Percentage Rate. 应计利息按下列数额计算:766 550美元

符合:贷款金额766,550美元+结算费用
高余额:贷款金额为1,000,000美元+结算费用
大额:贷款金额150万美元+成交费用
Mortgage rates shown are based on a 60-day lock for rate and term refinance transaction for of a primary residence. 购买交易30天锁定.

Conforming rate shown at 60% loan-to-value (LTV) and jumbo rate is at 80% loan-to-value (LTV), 业主自住有限套现再融资或购买良好的信用, 负债收入比小于等于40%且无从属融资. 您的价格可能与显示的不同. Please use the rate calculator 在我们的抵押贷款申请网站收到一个更好的估计您的情况.

高余额抵押贷款允许超过766美元的更高贷款限额,550 conforming limit up to $1,000,000.由联邦金融局(FHFA)确定的高成本地区为00美元。. These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.

² The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, 由美联储提供. 根据初始利率，上限为每年2%，终身6%. The current index is 5.09%. 您的价格可能与显示的不同. Please use the Choose Rates feature on our application page to get a more exact rate.

³ The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, 由美联储提供. 上限为每次调整的2%和基于初始速率的5%寿命. The current index is 4.35. 您的价格可能与显示的不同. 请拨打800与我们的贷款代表联系.358.8228分机1202可以得到更准确的电话.

⁴ The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, 由美联储提供. 上限为每次调整的3%和基于初始利率的6%. The current index is 4.34.

⁵ 9.00 APR (annual percentage rate) applies to a HELOC for the most qualified applicant at CLTV up to 80%. 并不是所有的申请人都有资格享受最低利率. Rates vary based on property value, line amount and other factors, 第二套或度假屋的价格会有所不同. 付款和利率可以按月调整. 如果利率上升，支付金额也会增加. 汇率是用指数加保证金计算的. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 8.50%. Minimum interest rate is 3%. Maximum interest rate is 17%.

⁶ 0.贷款后可获得50 HELOC利率折扣. Meet and maintain ongoing discount eligibility with set up of automatic loan payments and monthly recurring deposits of $500 into a Patelco account. Additional conditions may apply. 请向房屋贷款顾问咨询更多细节.

⁷ 固定房屋净值年利率的计算是基于10万美元的贷款金额.00美元，预计成交费用为500美元.00.

⁸ 10.00 APR (annual percentage rate) and other terms shown are accurate as of 05/20/2024 and apply to an ADU HELOC for the most qualified applicant at CLTV up to 125%. 并不是所有的申请人都有资格享受最低利率. 只适用于主要住宅. 利率根据财产价值、信用评分、额度和其他因素而有所不同. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. 在还款期间，恕不提款. 付款和利率可以按月调整. 如果利率上升，支付金额也会增加. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. 汇率是用指数加保证金计算的. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 8.5. Minimum interest rate is 3%. Maximum interest rate is 17%.

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