Nursery owner in front of his wide selection of plants.

Business Services Rates

Business Services Rates

Rates below are effective December 1, 2023.

Rates are subject to change without notice. All loan rates are based on approved credit.

Savings

Business Savings

Business Savings

$5 minimum opening balance.

Average Daily Balance Dividend Rate APY1
Savings  $0.00 – $2,499.99 0.15% 0.15%
Savings  $2,500.00 – $24,999.99 0.15% 0.15%
Savings  $25,000.00 – $49,999.99 0.15% 0.15%
Savings  $50,000.00 and over 0.30% 0.30%
Business Money Market

Business Money Market Account

$5,000 daily balance required to avoid maintenance fee.

Average Daily Balance Dividend Rate APY1
Savings 0-$4,999.99 0.00% 0.00%
Savings $5,000 – $49,999.99 0.50% 0.50%
Savings $50,000 – $99,999.99 1.00% 1.00%
Savings $100,000 – $249,999.99 1.00% 1.00%
Savings $250,000+ 1.25% 1.25%
Business Share Certificate

Business Share Certificate

$1,000 minimum opening balance.

Term Dividend Rate APY²
Certificate 6 months 3.50% 3.56%
Certificate 12 months 4.00% 4.07%
Certificate 2 year
 3.25% 3.30%
Certificate 3 year 3.25% 3.30%
Certificate 4 year 3.25% 3.30%
Certificate 5 year 3.25% 3.30%

Loan Rates

Business Vehicle Loan

Business Vehicle Loan

QUICK APPROVAL BUSINESS VEHICLE LOAN

For loans up to $50,000

NEW VEHICLES 2023 AND 20223
With less than 12,000 miles (no previous titling)

Term (in months) APR5/6
Up to 60 8.59% – 11.74%
60-72 8.89% – 12.04%

NEW or USED VEHICLES LESS THAN 7 YEARS OLD4

Term (in months) APR5/6
Up to 60 8.79% – 11.94%
60-72 9.09% – 12.24%

USED VEHICLES 7 YEARS OLD OR OLDER7

Term (in months) APR5/6
Up to 60 10.59% – 13.74%

BASIC BUSINESS VEHICLE LOAN

For loans up to $100,000

NEW VEHICLES 2023 AND 20223
With less than 12,000 miles (no previous titling)

Term (in months) APR5/6
Up to 60 8.59% – 11.74%
60-72 8.89% – 12.04%

NEW USED VEHICLES LESS THAN 7 YEARS OLD4

Term (in months) APR5/6
Up to 60 8.79% – 11.94%
60-72 9.09% – 12.24%

USED VEHICLES 7 YEARS OLD OR OLDER7

Term (in months) APR5/6
Up to 60 10.59% – 13.74%

Business Visa Credit Card

Business Visa® Credit Card

Quick Approval Business Visa® Credit Card
For loans up to $20,000

Loan Type APR8
Business Visa Credit Card Prime Rate + 5.50%

Basic Business Visa® Credit Card
For loans up to $50,000

Loan Type APR8
Basic Visa Credit Card Prime Rate + 5.50%
Basic Business Term Loan

Basic Business Term Loan

For loans up to $100,000

Loan Type APR*
Secured and Unsecured 11.99%
*APR=Annual Percentage Rate. Fixed rate.
Basic Business Line of Credit

Basic Business Line of Credit

For loans up to $100,000

Loan Type APR9
Secured and Unsecured Prime Rate + 3.00%

For details on loans over $100,000, please call (805) 540-7707.

BUSINESS SAVINGS AND INVESTMENTS DISCLOSURES
 APY = Annual Percentage Yield.
1. Dividend rates and APY are variable and may vary after the account is opened. Fees may reduce account earnings. Additional restrictions may apply. Refer to your Share Savings Account Features Disclosure for more information.
2. APY assumes dividends remain in account to maturity. Early withdrawal penalties may apply. Additional restrictions may apply.
BUSINESS LOANS DISCLOSURES
 APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval.
3. New Vehicles for years 2023 and 2022. Payment Example: A $30,000 loan, at 8.59% APR for 60 months, would have an estimated monthly payment of $616.80.
4. Vehicles less than 7 years old and mileage less than 100,000. APR is 2.00% higher for vehicles with mileage of 100,000 or more. Payment Example: A $30,000 loan, at 11.94% APR for 60 months, would have an estimated monthly payment of $666.42.
5. Rates are based on credit score and specific vehicle qualifications. Financing available up to 95% of MSRP or Retail Kelley Blue Book.
6. Financing is subject to SESLOC membership, credit approval and other underwriting criteria: not every applicant will qualify. Restrictions my apply.
7. Vehicles 7 years old or older and/or mileage greater than 100,000. Payment Example: A $30,000 loan, at 10.69% APR for 60 months, would have an estimated monthly payment of $647.53.
8. APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. APR will not go below 7.90%.
9. APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. APR will not go below 6.00%.