All VISA accounts are revolving with a 25-day grace period on purchases.  We offer five plans to choose from, a plan for every need.

 

Student VISA

Especially for students who want to start building credit

·          Full-time 18-years-old or older UCB student

·          $200 minimum monthly income

·          No derogatory Credit

 

Features

·          24-hour access through home banking

·          $500-$1500 Credit Limit***

·          No co-signer required

·          No annual fee; late fee $15; over-the-limit fee $20

·          15% APR***

·          Apply for direct payment from your savings or checking account to receive a rate reduction to 9.99%***

 

*** Subject to credit approval

 

Other Options

	Credit Limit Minimum/Maximum	APR	Note
VISA Gold	$5000/$25,000	9.99%
VISA Classic	$500/$5,000	12.96%
Premium Secured	$500	9.96%	Will loan 100% of savings deposited and pledged as guarantee
Credit Builder Secured	$500	15%	Will loan 90% …

 

We offer both an unsecured line of credit and an unsecured loan.

 

Instant Line of Credit

·          up to $25,000

·          Revolving line of credit, can by used as overdraft protection to checking account

 

Variable Rate: 11 District Cost of Funds plus 7.50%, adjusted quarterly

 

Signature Loans

·          up to $25,000

·          Rates

 

Don’t want to use your hard earned savings, consider a share or certificate secured loan. The rates are low and your savings are still intact.

 

	% of Instrument	Rate above Dividend on Instrument	Duration
Share Secured	Up to 100%	5%	Up to 60 months
Certificate Secured	Up to 100%	4%	Up to 60 months

 

Auto Loans

In most cases, we can finance 100% of the purchase price and offer terms that are flexible enough to meet your budget requirements.  See rates here.

 

 

Motorcycle Loans

100% of MSRP on new and 90% of current blue book on used.