Rates CLICK HERE TO START A FACE-TO-FACE VIDEO CALL Monday – Friday 9am – 6pm Checking Savings Auto Loans Home Loans Personal & Credit Checking Plus Checking Minimum to Earn Dividend Minimum Opening Deposit Rate APY Minimum to Earn Dividend Over $1 Minimum Opening Deposit $25 Rate 0.05% APY 0.05% Savings Share Savings Minimum to Earn Dividend Minimum Opening Deposit Rate APY Minimum to Earn Dividend $0.01 + Minimum Opening Deposit $5 Rate 0.01% APY 0.01% Money Market Minimum to Earn Dividend Minimum Opening Deposit Rate APY Minimum to Earn Dividend Under $1 Minimum Opening Deposit $2,500 Rate 0.00% APY 0.00% Minimum to Earn Dividend $1 - $2,499 Minimum Opening Deposit $2,500 Rate 0.05% APY 0.05% Minimum to Earn Dividend $2,500 - $9,999 Minimum Opening Deposit $2,500 Rate 0.05% APY 0.05% Minimum to Earn Dividend $10,000 - $49,000 Minimum Opening Deposit $2,500 Rate 0.10% APY 0.10% Minimum to Earn Dividend $50,000 - $99,999 Minimum Opening Deposit $2,500 Rate 0.15% APY 0.15% Minimum to Earn Dividend Over $100,000 Minimum Opening Deposit $2,500 Rate 0.25% APY 0.25% Share Certificates Certificate Term Minimum Opening Balance Rate APY One-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term. Variable rate. One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term. Minimum addition is $1000.00. Penalty for early withdrawal. Certificate Term 3 Months Minimum Opening Balance $100 Rate 0.100% APY 0.10% Certificate Term 6 Months Minimum Opening Balance $100 Rate 0.150% APY 0.15% Certificate Term 12 Months ** Minimum Opening Balance $100 Rate 0.200% APY 0.20% Certificate Term 24 Months Minimum Opening Balance $100 Rate 0.300% APY 0.30% Certificate Term 36 Months Minimum Opening Balance $100 Rate 0.499% APY 0.50% Certificate Term 48 Months Minimum Opening Balance $100 Rate 0.598% APY .60% Certificate Term 60 Months Minimum Opening Balance $100 Rate 0.747% APY .75% Rates Auto Loans Auto Loans Rate Rate 6.99% -16.59% Motorcycle & Boat Rate Rate 11.25% - 18.00% RV Rate Rate 8.75% - 17.50% Home Loans Mortgages Loan Name Rate APR Points Now offering ITIN loans 30 year fixed. For more information please call our Strata Mortgage Dept. 661-632-1625 • APR calculations and interest rate quotes are based on a loan amount of $250,000 (purchase price or appraised value equals $312,500 or greater), owner-occupied purchase or refinance transaction secured by a single-family residence, loan-to-value of 80%, FICO score of 740 or higher, and a 60-day rate lock. * Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). ARM Acknowledgement 15/15 ARM Index for one-time rate adjustment is the 30 day SOFR Index plus 2.50% margin, cap 5% 5/5 ARM Index for adjustment is 5 year treasury bill plus 2.50% margin, 2% per adjustment. cap 5% Loan Name 30 Year Fixed Rate Rate 6.750% APR As low as 6.931% Points 0% Apply Online! Loan Name 20 Year Fixed Rate Rate 6.625% APR As low as 6.860% Points 0% Apply Online! Loan Name 15 Year Fixed Rate Rate 6.500% APR As low as 6.792% Points 0% Apply Online! Loan Name 10 Year Fixed Rate Rate 6.375% APR As low as 6.783% Points 0% Apply Online! Loan Name 15/15 ARM 30 Years Rate 6.375% APR As low as 6.757% Points 0% Apply Online! Loan Name 5/5 ARM 30 Years Rate 6.000% APR As low as 6.475% Points 0% Apply Online! Loan Name Rate APR Points Loan Name Rate APR Points Home Equity Speak with a Financial Service Representative for rates and terms on Home Equity Loan and Home equity Lines of Credit. For more information call 661-632-1625. Personal & Credit Personal Loans and Lines Product APR Terms Rate Type Product Signature Loan APR 12.20% - 18.00% Terms Under $10,000 - 36 monthsOver $10,000 - 48 monthsOver $15,000 - 60 months Rate Type Fixed Rate Product Preferred Access Line of Credit APR 12.749% - 13.499% Terms Open End Line of Credit Rate Type Variable Rate Product Share Secured APR 8.375% Terms Up to 10 years Rate Type Variable Rate Product Certificate Secured APR 8.375% Terms Up to 10 years Rate Type Variable Rate Product Credit Builder APR 8.375% Terms Up to 24 months for loans under $2,000Up to 36 months for loans up to $10,000 Rate Type Variable Rate Product Money Market Secured Loans APR 8.375% Terms Up to 10 years Rate Type Variable Rate Credit Card Product Name APR Benefit Product Name Mastercard Platinum without Rewards APR 12.50%-18.00% Benefit Classic credit card without point rewards Product Name Mastercard Platinum with Rewards APR 14.50%-18.00% Benefit Build reward points while you utilize credit for products or experiences Disclosures Rates effective as of 9/1/2023 APY = Annual Percentage Yield APR = Annual Percentage Rate Fees may reduce earnings. 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