Rates

Consumer Loan

CONSUMER LOAN INFORMATION
Loan Information Rate APR* Term
New Car (80%-125% MSRP Financing) As Low As… 2.40% 2.40% 24
New Car (80%-125% MSRP Financing) As Low As… 2.40% 2.40% 36
New Car (80%-125% MSRP Financing) As Low As… 2.40% 2.40% 48
New Car (80%-125% MSRP Financing) As Low As… 2.40% 2.40% 60
New Car (80%-125% MSRP Financing) As Low As… 2.65% 2.65% 72
New Car (80%-125% MSRP Financing) As Low As… 2.85% 2.85% 84
Used Car (80%-110% Kelly Blue Book Value) As Low As… 2.40% 2.40% 24
Used Car (80%-110% Kelly Blue Book Value) As Low As… 2.40% 2.40% 36
Used Car (80%-110% Kelly Blue Book Value) As Low As… 2.40% 2.40% 48
Used Car (80%-110% Kelly Blue Book Value) As Low As… 2.40% 2.40% 60
Used Car (80%-110% Kelly Blue Book Value) As Low As 2.65% 2.65% 72
VISA PREMIUM PLUS Unsecured 11.90% 11.90% Revolving
VISA CLASSIC Unsecured 13.92% 13.92% Revolving
VISA CLASSIC Secured* 9.50% 9.50% Revolving
Grace Period: You have 21 days to repay your balances before a finance charge will be imposed.
Balance Calculation Method for Purchases: Average daily balance including new purchases.
Annual Fee: None Over-the-limit Fee: None
Transaction Fees for Cash Advances and Fees for Paying Late or Exceeding the Credit Limit: Cash Advance Fee – None by Silverado CU and Late Payment Fee – $10.00.
Foreign Transaction Fee: 1% of the transaction amount
* A Savings Secured Loan may not be secured against a Money Management or Checking Account.
SIGNATURE LOAN & LINE OF CREDIT – Unsecured 14.95% 14.95% 36
NEW MOTORCYCLE: Up to $10.000.00 Call
NEW MOTORCYCLE: $10,001.00 & Over Call
USED MOTORCYCLE: Up to $10,000.00 Call
USED MOTORCYCLE: $10,001.00 & Over Call
NEW CAMPING TRAILERS Call
USED CAMPING TRAILERS Call

 

*APR = Annual Percentage Rate
All Adjustable Rate Mortgage (ARM) loans have a 30 year amortization unless otherwise noted. ARM rates are subject to change after loan closing. The APR for adjustable rate first and 2nd mortgages in this disclosure is based on the 1 year CMT Treasury Rate as published in The Wall Street Journal. After the fixed rate period, the rate will be based on the current index plus the margin. The interest rate will adjust after the initial term.

The rates listed above are for informational purposes only. They fluctuate with the market and are not guaranteed without a valid rate lock.

These Rates are subject to change without notice.

 

Real Estate Loan

REAL ESTATE LOAN INFORMATION
Loan Information Rate APR* Term
Adjustable Rate Mortgage Loans: Owner Occupied
1st Deed of Trust – (15 or 30 Years)
1st Deed 2/1/30 Year – 1 Yr. TCM 2.625% 2.625% 360
1st Deed 2/2/30 Year – 1 Yr. TCM 2.875% 2.875% 360
1st Deed 3/1/30 Year – 1 Yr. TCM 2.875% 2.875% 360
1st Deed 3/3/30 Year – 1 Yr.TCM 3.00% 3.00% 360
1st Deed 5/1/30 Year – 1 Yr. TCM 3.125% 3.125% 360
1st Deed 5/5/30Year – 1 Yr. TCM 3.375% 3.375% 360
1st Deed 7/2/30 Year – 1 Yr. TCM 3.50% 3.50% 360
1st Deed of Trust (Jumbo Loans)
1st Deed Jumbo 2/1/30 Year – 1 Yr. TCM 2.625% 2.625% 360
1st Deed Jumbo 2/2/30 Year – 1 Yr. TCM 2.875% 2.875% 360
1st Deed Jumbo 3/1/30 Year – 1 Yr. TCM 2.875% 2.875% 360
1st Deed Jumbo 3/3/30 Year – 1 Yr. TCM 3.00% 3.00% 360
1st Deed Jumbo 5/1/30 Year – 1 Yr. TCM 3.125% 3.125% 360
1st Deed Jumbo 5/5/30 Year – 1 Yr. TCM 3.375% 3.375% 360
1st Deed Jumbo 7/2/30 Year – 1 Yr. TCM 3.50% 3.50% 360
2nd Deeds of Trust
2nd Deed 2/1/30 Year – 1 Yr. TCM 5.25% 5.25% 360
2nd Deed 3/1/30 Year – 1Yr. TCM 5.50% 5.50% 360
2nd Deed 5/1/30 Year – 1 Yr. TCM 5.875% 5.875% 360
1st Deed/2nd Deed of Trust Loans:Non-Owner Occupied available – Please Call the Silverado Credit Union Real Estate Loan Officer.
Home Equity ‘Line of Credit’ Loans
1st Deeds of Trust – Prime Rate   (Introductory Rate) 3.75% 3.75% 360
2nd Deeds of Trust – Prime Rate (Introductory Rate) 4.00% 4.00% 360
(Prime Rate is 4.25% — For Rates & More Information Call 707-965-2483)
Construction/Remodeling Loan:  Points 2.0% Call Office

*APR = Annual Percentage Rate
All Adjustable Rate Mortgage (ARM) loans have a 30 year amortization unless otherwise noted. ARM rates are subject to change after loan closing. The APR for adjustable rate first and 2nd mortgages in this disclosure is based on the 1 year CMT Treasury Rate as published in The Wall Street Journal. After the fixed rate period, the rate will be based on the current index plus the margin. The interest rate will adjust after the initial term.

The rates listed above are for informational purposes only. They fluctuate with the market and are not guaranteed without a valid rate lock.

Savings (Share) Accounts

Savings (Share) Accounts
Account Information Dividend Rate APY* Term
Regular Savings (Share) Accounts -$50.00 – $999.99Dividend Paid Quarterly 0.05% 0.05% Quarterly
Regular Savings (Share) Accounts – $1,000.00 and Over Dividend Paid Quarterly 0.05% 0.05% Quarterly
IRA Savings (Share) Accounts – $50.00 Minimum Balance Dividend Paid Quarterly 0.10% 0.10% Quarterly
Silverado Checking Account – No Minimum Balance Requirement -Unlimited Check Writing -Numerous Benefits all for only $5.00/month 0.00% 0.00% Monthly
Silver Plus Checking – $2,500.00 and Over Average Daily Balance/Dividend Paid Monthly 0.0% 0.0% Monthly
Money Management Account – $1,000.00 to $24,999.99 0.15% 0.15% Monthly
Money Management Account – $25,000.00 to $49,999.99 0.20% 0.20% Monthly
Money Management Account – $50,000.00 & Over 0.25% 0.25% Monthly
[Money Management Accounts – $1,000.00 Minimum Balance/6 Withdrawals per Month – Unlimited Deposits – No Term/No Early Withdrawal Penalties]

*APY = Annual Percentage Yield

Rates are subject to change without notice.

Minimum Balance Required to obtain the Annual Percentage Yield.

Share Certificates

Share Certificates
Share Information Rate APY* Term
1 Month Certificate (30-89 Days) $1,000.00 Minimum Balance 0.15% 0.15% 1
3 Month Certificate (90-179 Days) $1,000.00 Minimum Balance 0.20% 0.20% 3
6 Month Certificate (180-364 Days) $1,000.00 Minimum Balance 0.30% 0.30% 6
1 Year Certificate (12-23 Months)$1,000.00 Minimum Balance – Early Withdrawal 30 day Penalty 0.40% 0.40% 12
2 Year Certificate (24-35 Months) $1,000.00 Minimum Balance – Early Withdrawal 90 day Penalty 0.55% 0.55% 24
3 Month IRA Certificate (90-364 Days) $1,000.00 Minimum Balance 0.20% 0.20% 3
1 Year IRA Certificate (12-23 Mo.) $1,000.00 Minimum Balance – Early Withdrawal 30 day Penalty 0.40% 0.40% 12
2 Year IRA Certificate (24-35 Mo.) $1,000.00 Minimum Balance – Early Withdrawal 90 day Penalty 0.55% 0.55% 24

 

*APY = Annual Percentage Yield

Rates are subject to change without notice.

Annual Percentage Yield (APY) is calculated on minimum balance requirements on a 365 day basis.Fees or penalties could reduce annual percentage yield earned.

All savings and checking dividends are determined by the average daily collected balance for the month.Early withdrawal penalties never exceed accrued and paid dividends.Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation.

Minimum Balance Required to obtain the Annual Percentage Yield.