Personal Loan Rates
Whether you want to take a vacation, consolidate bills, increase your home's energy efficiency or just need some extra cash, we make financing your dreams easy!
Personal Loan Rates
Signature Loan
| Loan Amount | APR (As Low As)1 | Term |
|---|---|---|
| $500-$30,000 | 10.88% | Up to 36 Months |
| $500-$30,000 | 11.88% | Up to 48 Months |
| $500-$30,000 | 12.88% | Up to 60 Months |
Signature Line of Credit
| Loan Amount | APR (As Low As)1 | Term |
|---|---|---|
| $500-25,000 | 14.50% | Revolving |
Secured Signature Personal Loans
| Loan | Loan Amount | Fixed APR1 | Term |
|---|---|---|---|
| Savings and Money Market Secured Loan | 100% of available Savings or Money Market balance | 3.00% | Up to 84 months |
| Certificate Secured Loans | With monthly payments: up to 100% of certificate balance | Certificate Rate +3% | Up to full certificate term |
Energy Loans
For more information call (858) 495-1637 or email energy@xyschool.net. For additional information on the GoGreen Home Energy Financing program, please visit gogreenfinancing.com.
| Loan Amount | APR (As Low As)1 | Term |
|---|---|---|
| $5,000 - $50,000 ($75,000 for solar + battery bundle) | 3.98% | 30 months |
| $5,000 - $50,000 ($75,000 for solar + battery bundle) | 5.38% | 5 years |
| $5,000 - $50,000 ($75,000 for solar + battery bundle) | 6.38% | 10 years |
| $5,000 - $50,000 ($75,000 for solar + battery bundle) | 7.38% | 15 years |
| $25,000 - $75,000 (for solar + battery bundle only) | 8.38% | 20 years |
Other Loan Options
18-Month Emergency Personal Loan
- No Fees
- Rates as low as 4.98% APR
- Loan amounts up to $5,000
- Principal and Interest Payments over 18 months
- Subject to credit review
Overdraft Line of Credit
- Overdraft protection on Cal Coast checking accounts
- No fees
- Rates as low as 8.88% APR
- Credit line of $1,000 with access as you need it
- Subject to credit review
- APR = Annual Percentage Rate as of 11/25/2024 and may vary based on credit history. All loans subject to approval. Rates subject to change without notice.
- Signature/Personal Loan Payment Examples: A 36 month loan at 10.88% will have 36 monthly payments of $32.69 per $1,000 borrowed. A 48 month loan at 11.88% will have 48 monthly payments of $26.28 per $1,000 borrowed. A 60 month loan at 12.88% will have 60 monthly payments of $22.70 per $1,000 borrowed. Monthly payments for the Signature Line product are 3% of the outstanding balance at the time of the last advance or $25 whichever is greater. A $1,000 Signature Line balance will have a $30 minimum monthly payment.
- Signature Line of Credit/Overdraft Line of Credit: No interest will be charged until the funds are used. Estimated minimum monthly payment is 3% of the outstanding balance or $25, whichever is greater. For example, a balance of $1,000 will have a $30 minimum monthly payment.
- GoGreen Home Energy Financing Examples: A 30 month loan at 3.98% will have 30 monthly payments of $35.09 per $1,000 borrowed. A 60 month (5 year) loan at 5.38% will have 60 monthly payments of $19.05 per $1,000 borrowed. A 120 month loan (10 years) at 6.38% will have 120 monthly payments of $11.30 per $1,000 borrowed. A 180 month (15 year) loan at 7.38% will have 180 monthly payments of $9.21 per $1,000 borrowed. A 240 month (20 year) loan at 8.38% will have 240 monthly payments of $8.61 per $1,000 borrowed.
Don't be a stranger, we're your neighbor
Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart.
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