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Financial fitness begins with a simple step.

Our free, interactive financial education courses provide valuable tips and insights into managing your money, borrowing and saving, protecting your finances and planning for your financial future.

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Online Payments

Live in harmony with your money through a balance of banking essentials such as checking, savings and online banking to help you move onUp.

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Financing College

Explore different ways to pay for higher education and loan repayment options.

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Mortgage Refinance

Mortgage refinancing can help you change your loan terms or access your home equity

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Business Loans

A great idea is the catalyst, but Free Citizen products improve cash flow and nurture growth to keep your business moving forward.

Loan Type  APR Maximum Term
New & Used Vehicle 3.24% - 16.49% 72
New & Used Vehicle 4.24% - 16.49% 84
New & Used Motorcycle 6.24% - 16.49% 72
New & Used Boat & RV 6.74% - 16.79% 72
New & Used Boat & RV  7.54% - 16.79% 144
First-time Auto Borrower 6.29% - 8.04% 60
Rates effective as of July 30, 2020
Loan Type  APR Max Term (in months)
Visa Platinum Rewards and Platinum Rewards Starter 7.25% - 12.25% N/A

30-Year Fixed Rates

Rates effective as of August 5, 2020
Loan Type  Maximum Financed Rate Points APR
Conforming $510,400 2.625% 1.00 2.809%
Conforming $510,400 2.875% 0.00 2.982%
Conforming Plus $765,600 2.875% 1.00 3.005%
Conforming Plus $765,600 3.375% 0.00 3.427%
Jumbo $2,500,000 3.875% 2.00 3.998%

20-Year Fixed Rates

Loan Type Maximum Financed Rate Points APR
Conforming $510,400 2.625% 1.00 2.887%
Conforming $510,400 2.875% 0.00 3.026%
 

15-Year Fixed Rates

Loan Type Maximum Financed  Rate Points APR
Conforming $510,400 2.500% 1.00 2.840%
Conforming $510,400 2.625% 0.00 2.820%
Conforming Plus $765,600 2.625% 1.00 2.862%
Conforming Plus $765,600 2.875% 0.00 2.968%
Jumbo $2,500,000 2.990% 1.00 3.204%
Jumbo $2,500,000 3.250% 0.00 3.319%
 
30-Year 5/1 Adjustable Rate Mortgage (ARM)
Loan Type Maximum Financed Rate Points APR
Conforming $510,400 2.875% 1.00 2.886%
Conforming $510,400 2.990%  0.00 2.807%
High Balance $650,000 2.875% 1.00 3.009%
High Balance $650,000 2.990% 0.00 2.930%
Jumbo $2,500,000 3.125% 1.00 2.995%
Jumbo $2,500,000 3.500% 0.00 2.916%
 

30-Year 7/1 Adjustable Rate Mortgage (ARM)

 
Loan Type
Maximum
Financed
Rate Points APR
Conforming $510,400 3.875% 1.00 2.886%
Conforming $510,400 4.250% 0.00 2.807%
 
 

30-Year 10/1 Adjustable Rate Mortgage (ARM)

Loan Type
Maximum
Financed
Rate Points APR
Conforming $510,400 4.250% 1.00 2.886%

 
Conforming ARM loans:
Index Source = 1 year LIBOR
Margin = 2.250
Index Rate = 0.451

Fully Indexed Rate = 0.451 + 2.250 = 2.701%
5/1 Annual Cap = 2.000%
7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter
Life Cap = 5.000% over initial rate
 
High balance and Jumbo ARM loans:
Index Source = 1 year Treasury
Margin = 2.750
Index Rate = 0.129

Fully Indexed Rate = 0.129 + 2.750 = 2.879%
Annual Cap = 2.000%
Life Cap = 5.000% over initial rate
 

30-Year 5/5 Adjustable Rate Mortgage (ARM)

Loan Type
Maximum
Financed
Rate Points APR
Conforming $510,400 2.875% 1.00 2.905%
Conforming $510,400 2.990% 0.00 2.826%
 
Index Source = 5 Year Treasury Securities
Margin = 2.500
Index Rate = 0.220
Fully Indexed Rate = 0.220 + 2.500 = 2.720%
Initial Rate Cap = 5.000%
Future Rate Adjustments After Initial Rate Adjustment = 2.000%
Life Cap = 8.000% over initial rate
 
Rates, points and programs cannot be guaranteed and are subject to change without notice. Loans subject to all policies and procedures. Property insurance is required. Flood insurance may apply. No mobile homes. Quoted conforming rates are based on a loan amount of $250,000, rate and term only. Rate adjustments may apply for cash out, loans under or over $250,000, rental/vacation/second home properties or loan-to-value (LTV) over 70% of appraised value. Actual rate will be determined after receipt of application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes. Representative example: Pay $4.56 per month per $1,000 borrowed at 3.625% APR for 30 years. Taxes and insurance are not included in this calculation.

VA loans: Require a funding fee which is non-refundable after loan closing.
 
FHA loans: Sample APR includes MIP required on all FHA loans. Maximum amount financed varies by county. Maximum amount shown represents Contra Costa County. Please contact us for further details.
Rates effective as of July 30, 2020
Loan Type  APR Max Term (in months)
Personal Closed End 5.99% - 8.99% 36
Personal Closed End 8.99% - 17.99% 60
Share-Secured Account rate plus 2.00% 60
Certificate-Secured Certificate rate plus 2.00% 12 months or maturity date, whichever is less
 
36-month personal loan: Annual Percentage Rate (APR) is subject to change. Lowest rate quoted. Rate may be up to 3.00% APR above quoted rate based on creditworthiness at the time of application. Representative example: Pay $30.42 per month per $1,000 borrowed for 36 months at 5.99% APR. Personal Loan: Terms up to 60 months.

Personal loan may not be used to refinance an existing Pacific Service CU loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Rate, maximum term and loan amount based on credit qualifications. Representative example: Pay $20.75 per month per $1,000 borrowed for 60 months at 8.99% APR. Call for details.

Rates

Whether you're looking to purchase your next vehicle or refinance your current home, we offer some of the best rates in town.

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