Loan Rates

Rates as of May 1, 2008

Your dreams of a financially secure future need to be protected. 
Member’s Choice Borrower Security on your loan can help.  Ask a credit union representative for details.

Loan Type	Guidelines	Max Term (Months)	Annual Percentage Rate1
New Auto/Trucks/Vans2		36	5.24%+
		48	5.24%+
	120% Purchase Price	60	5.24%+
	$15,000 Minimum	72	5.24%+
	$30,000 Minimum	84	5.24%+
Used Auto/Trucks/Vans2
2002-2008 Models		48	5.74%+
2002-2008 Models		60	5.74%+
2006-2001 Models		48	5.74%+
2005-2008 Models	$15,000 Minimum	72	5.74%+
Maximum mileage for used vehicles-100,000 miles. We will finance up to 115% of the Retail Kelly Blue Book. $15,000 minimum applies to 72 month terms. Financing of branded titled vehicles such as lemon buyback, salvage, etc., is not available.
Visa Platinum3	$30,000 Maximum	Line of Credit	9.99%
Visa Classic3	$20,000 Maximum	Line of Credit	14.99%
Visa Gold3	$20,000 Maximum	Line of Credit	10.99%
Visa First3	$500 Maximum	Line of Credit	15.99%
Signature Loan	Closed End	12	9.95%
$20,000 Maximum	Closed End	24	11.95%
	Closed End	36	12.95%
	Closed End	48	13.95%
	Closed End	60	14.95%
Home Equity Variable Rate4	80% of Appraised	180 months	4.75%*
Owner Occupied	Value less 1st & 2nd
10-Year Fixed Second Mortgage	80% of Appraised	120 months	6.75%
Owner Occupied	Value less 1st & 2nd
15-Year Closed End Second Mortgage	80% of Appraised	180 months	6.875%
Owner Occupied	Value less 1st & 2nd
15/30-Fixed Second Mortgage	80% of Appraised	360 months	7.000%
Amortized for 30 years/balloon due in 15 years	Value less 1st & 2nd
5/30-Fixed Second Mortgage	80% of Appraised	180 months	6.875%
Amortized for 30 years/balloon due in 5 years	Value less 1st & 2nd
3/30-Fixed Second Mortgage	80% of Appraised	180 months	6.75%
Amortized for 30 years/balloon due in 3years	Value less 1st & 2nd

¹ Higher interest rates may apply for each category of loan depending on the member's individual credit information.
Terms may be determined at discretion of loan officer. Loan to value ratio may also affect Home Equity rate.
² All "purchase money" loans include tax and license. Commercial vehicle financing not available.
³ Terms and payments on secured loans and VISA vary, depending on the outstanding balance.
THIS LOAN GUIDE IS MEANT TO PROVIDE GENERAL INFORMATION ONLY. RATES, TERMS, AND CONDITIONS ARE NOT GUARANTEED AND ARE SUBJECT TO CHANGE WITHOUT NOTICE.
⁴All third party fees are assessed the member but are deferred and will be waived if the line of credit remains open for 36 months from the date of the loan. For more details please contact your local branch office.

*Rates based on credit profile and loan to value - ask for more details at your local branch office.

⁺Rate listed reflects a 1% rate reduction from regular rates, which is available with an active Checking Account, Direct Deposit and Auto Transfer.

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Loan Type	Guidelines	Max Term (Months)	Annual Percentage Rate1
New Mot Home/Van Conv/2	85% Purchase Price
Travel Trailer/Boat & Trlr	up to $20,000	84	10.95%
Jet Ski/Airplane/etc	over $20,000	120	10.95%
(excluding off-road vehicles)
Used Mot Home/Van Conv/2	85% Retail Book
Travel Trailer/Boat & Trlr	up to $20,000	84	11.95%
Jet Ski/Airplane/etc	over $20,000	96	11.95%
(excluding off-road vehicles)	(Over 5 Yrs Old)	60	11.95%
New Motorcycle2	85% Purchase Price
	up to $5,000	36	13.25%
	over $5,000	48	13.25%
Used Motorcycle2	80% of Retail Book
	up to $5,000	36	14.25%
	over $5,000	48	14.25%
New & Used Mobile Home2 Owner Occupied Double-wide only, max. age 10 years Park restrictions apply	70% Purchase Price	180	10.75%
	or 70% of Appraisal
Share Loan	Pledged Shares	120	3.75%

¹ Higher interest rates may apply for each category of loan depending on the member's individual credit information.
Terms may be determined at discretion of loan officer. Loan to value ratio may also affect Home Equity rate.
² All "purchase money" loans include tax and license. Commercial vehicle financing not available.
³ Terms and payments on secured loans and VISA vary, depending on the outstanding balance.
THIS LOAN GUIDE IS MEANT TO PROVIDE GENERAL INFORMATION ONLY. RATES, TERMS, AND CONDITIONS ARE NOT GUARANTEED AND ARE SUBJECT TO CHANGE WITHOUT NOTICE.
⁴All third party fees are assessed the member but are deferred and will be waived if the line of credit remains open for 36 months from the date of the loan. For more details please contact your local branch office.

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FIRST MORTGAGE PROGRAMS

Purchase your dream home, or refinance your current loan through your Credit Union.

Members enjoy personalized service and a variety of home loans. Whether you're starting out as a first-time homebuyer or refinancing your current mortgage, a home loan from Pacific Oaks Federal Credit Union is a convenient and economical way for you to open the door to your dream home.

For First Mortgage information, rates, prequalifications and applications call direct:

1 - 8 0 5 - 3 8 4 - 1 1 0 0 ext 2 5 1

 

¹ Higher interest rates may apply for each category of loan depending on the member's individual credit information.
Terms may be determined at discretion of loan officer. Loan to value ratio may also affect Home Equity rate.
² All "purchase money" loans include tax and license. Commercial vehicle financing not available.
³ Terms and payments on secured loans and VISA vary, depending on the outstanding balance.
THIS LOAN GUIDE IS MEANT TO PROVIDE GENERAL INFORMATION ONLY. RATES, TERMS, AND CONDITIONS ARE NOT GUARANTEED AND ARE SUBJECT TO CHANGE WITHOUT NOTICE.
⁴All third party fees are assessed the member but are deferred and will be waived if the line of credit remains open for 36 months from the date of the loan. For more details please contact your local branch office.