Loans and Shares

Personal Loans

E-Z Loan – Max amt $1,000

apply

Payment Schedule Annual Percentage Rate
6 mos 18.00%

Bicycle Loan – Max amt $3,000

apply

Payment Schedule Annual Percentage Rate
Up to 24 mos 7.00%

Computer Loan – Max amt $4,000

apply

Payment Schedule Annual Percentage Rate
Up to 36 mos 7.00%

Unsecured Personal Loans – Max amt up to $25,000

apply

Payment Schedule Annual Percentage Rate (from) Annual Percentage Rate (to)
up to 60 mos 8.99% 14.99%

Share/Certificate Secured Loan – No Max amt

apply

Payment Schedule Annual Percentage Rate
60 mos Current Interest rate plus 4.00%

 

Car Loans

New Vehicle Loans(2015 & Newer) – Max amt $60,000

apply

Payment Schedule Annual Percentage Rate (from) Annual Percentage Rate (to)
up to 84 mos 2.24% 6.74%

 Used Vehicle Loans(2014 & Older) – Max amt $60,000

apply

Payment Schedule Annual Percentage Rate (from) Annual Percentage Rate (to)
up to 60 mos 3.24% 7.74%

 

Credit Cards

credit-cardsVISA Platinum Credit Card – Max amt $15,000

apply

Annual Percentage Rate – 9.90% fixed

VISA Classic Credit Card – Max amt $15,000

apply

Annual Percentage Rate -14.90% fixed

Line of Credit

Revolving Line of Credit – Max amt $15,000

apply

Payment Schedule Annual Percentage Rate
60 mos 14.90%

Overdraft Line of Credit – Max amt $5,000

apply

Payment Schedule Annual Percentage Rate
60 mos 14.90%

Share Rates

Share Rates – effective 1/1/2017

Deposit Amount: Annual Percentage Yield (APY) Dividend Rate
$500-$4,999.99 0.01% 0.01%
$5,000-$9,999.99 0.01% 0.01%
$10,000-Over 0.01% 0.01%

 

Home Equity Line Of Credit

The great thing about a Home Equity Line of Credit is that you can use it whenever the need presents itself. Use the equity in your home to pay for all the things you need – and want! Remodel your home, buy a car, pay off bills, take a vacation – the choice is yours.

 A HELOC is a form of revolving credit where the funds are available to you to draw as you need, and you only pay interest on the amount you use. This can be beneficial for larger projects, like remodeling your home, where you’re paying a contractor in installments over a period of time. Plus, with a 10-year draw period, you can use the funds over and over again as you continue to make monthly payments.

Key Features

  • Borrow from $10,000 to $250,000
  • Easy access to funds – convenience checks, branch withdrawal, take an advance at an ATM, or transfer funds through Online Access
  • Interest on the loan may be tax deductible – consult your tax advisor
  • 80% loan-to-value financing
  • Quarterly rate adjustments based on the Prime Rate*
  • Payable within 15 years of the final loan advance
  • Terms up to 25 years, including a 10-year draw period
  • No Application or Processing Fees!

Call 415-664-4313 to request an application today!

 iStock_couple buying house

*APR is Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in The Wall Street Journal as of the first business day of the month prior to change plus an as-low-as margin of 0% APR or 3.25% APR whichever is greater for those account holders whose total mortgage loans, including your SF Bay Area Educators Credit Union Home Equity Line of Credit do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. Maximum APR is 18.00%. Minimum Home Equity Credit Line is $10,000. All APRs assume that your total 1st and 2nd trust deed loans, including your SFBAECU Home Equity Line of Credit do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. Borrower agrees to reimburse the credit union with third party fees if account is closed within 2 years. Borrower must pay mortgage satisfaction fees at loan termination. Property insurance is required and flood insurance may be required. There is a $25 annual fee. If borrower wishes to obtain an outside appraisal is with be done at the member’s expense. Rates and terms are subject to change. This offer is subject to credit approval.