Rates

¹Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. Reward Information: When Kasasa Cash - Multi Level account qualifications are met during a Monthly Qualification Cycle, you will receive: Level 1 Rewards: balances in your Kasasa Cash account up to $25,000 receive APY of 4.00%; and balances over $25,000 earn a 0.10% dividend rate on the portion of balance over $25,000, resulting in a range from 4.00% to 0.88% APY depending on the account’s balance. Level 2 Rewards: balances in your Kasasa Cash account up to $25,000 receive APY of 4.50%; and balances over $25,000 earn a 0.10% dividend rate on the portion of balance over $25,000, resulting in a range from 4.50% to 0.98% APY depending on the account’s balance. Level 3 Rewards: balances in your Kasasa Cash account up to $25,000 receive an APY of 5.00%; and balances over $25,000 earn a 0.10% dividend rate on the portion of balance over $25,000, resulting in a range from 5.00% to 1.08% APY depending on the account’s balance. All three levels will also receive ATM reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, all balances in the account earn .01% APY and ATM withdrawal fees are not refunded. To receive Kasasa Cash and ATM withdrawal fee reimbursement rewards, Level 1 – you must access your Kasasa Cash account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted debit card merchant transactions during the Monthly Qualification Cycle. Level 2 – you must access your Kasasa Cash account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 20 posted debit card merchant transactions during the Monthly Qualification Cycle. Level 3 – you must access your Kasasa Cash account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 25 posted debit card merchant transactions and have at least 1 designated loan in good standing with our institution during the Monthly Qualification Cycle. See a Service Representative for list of qualifying loans. All Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Cash account. Limit 1 Kasasa Checking account per social security number. There is no minimum balance required to obtain the advertised APY, but a $25 minimum deposit is required to open this account. APY = Annual Percentage Yield. APY accurate as of 04/01/2025.

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A

Minimum opening deposit is $1,000

Minimum opening deposit is $1,000

Transaction limitations apply, and a penalty may be imposed for early withdrawal. Rates remain fixed for the certificate term and are set by the Board of Directors.

*APY = Annual Percentage Yield. Rates are effective as of April 11th, 2025. The minimum opening deposit required for this account is $1,000, and the maximum deposit amount allowed is $500,000 per account and household. The dividend rate and annual percentage yield are fixed and will be in effect for the 7-month term of the account. Penalties for early withdrawal and fees may reduce earnings. Limited time only.

Transaction limitations apply and a penalty may be imposed for early withdrawal. Rates remain fixed for the term of the certificate and are set by the Board of Directors.

Transaction limitations apply and a penalty may be imposed for early withdrawal. Rates remain fixed for the term of the certificate and are set by the Board of Directors. Monthly automatic deposit of $25.00 required for Wealth Builder Share Certificates.

¹ APR = Annual Percentage Rate. All Loans are subject to approval. Loan interest rates are disclosed as ranges. The actual rate will vary based on the borrower's creditworthiness, the loan term selected, loan amount and, if applicable, the vehicle/collateral model, year and value. Programs, rates, terms, and conditions are subject to change without notice. Financing is available up to 125% MSRP for new vehicles, up to Kelley Blue Book retail value for used vehicles, and up to 95% LTV for mature vehicles.

²Rates for vehicle loans reflect a relationship discount of .25% and a .50% discount for LTV of 80% or less.  

³ Actual APR is the current share or certificate dividend rate plus 3%. For our most current rates, contact our Contact Center at 916.364.1700 or 800.233.6328

Apply Online or you can also talk to an HCCU Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let's chat face-to-face!

See Pricing and Fee Details. View Disclosure. All loans are subject to credit approval. *Introductory APR for six months from account opening.

The rates listed above are "as low as" and are based on a Conventional 60% LTV loan. APR = Annual Percentage Rate. No rate is guaranteed without a valid rate lock and not all borrowers and property will qualify for all rates. All mortgage loans are subject to credit approval and property valuation. Rates are based on property valuation, amount financed, loan program selected, applicant's credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change without notice. Financing limited to owner-occupied, one-to-four family-unit properties located in the state of California. Not available for mobile homes, manufactured homes, vacant lots or commercial properties.

Property insurance is required, and flood insurance and PMI may be required. Other restrictions on property may apply.

The APR and P&I payments are based on loans that are equal to or less than 60% of the value of the property, with a loan amount of $300,000. The terms shown assume equal monthly payments for the full term specified.

Apply Online or you can also talk to an HCCU Member Home Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let's chat face-to-face!

NOTES: Index = 1 Year US Treasury CM (daily), margin 6% 1st annual adjustment cap, 2% annual rate cap, 6% lifetime rate cap. CLTV, up to 97%.

APR = Annual Percentage Rate. Rates and terms vary depending on loan to value ratio, credit evaluation and underwriting requirements. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of reset. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. ¹ The monthly payment on a $300,000 mortgage at an initial rate of 5.375% would be $1,679.91 per month. On the 13th month, the interest rate could increase by 2% to 7.375%. The maximum payment for this loan, based on the amortized balance on the 13th month, would be $2,942.30. ²The monthly payment on a $300,000 mortgage at an initial rate of 5.500% would be $1,703.37 per month. On the 37th month, the interest rate could increase 2% to 7.500%. The maximum payment for this loan, based on the amortized balance on the 37th month, would be $2,970.87. ³ The monthly payment on a $300,000 mortgage at an initial rate of 5.625% would be $1,726.97 per month. On the 61st month, the interest rate could increase 2% to 7.625%. The maximum payment for this loan, based on the amortized balance on the 61st month, would be $2,772.29. ⁴ The monthly payment on a $300,000 mortgage at an initial rate of 6.000% would be $1,798.65 per month. On the 85th month, the interest rate could increase 5% to 11.000%. The maximum payment for this loan, based on the amortized balance on the 85th month, would be $2,856.97.  

Apply Online or you can also talk to an HCCU Member Home Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let's chat face-to-face!

APR = Annual Percentage Rate. The above rates are for informational purposes only. No rate is guaranteed without a valid rate lock. Rates and terms vary depending on loan-to-value ratio, credit evaluation, property valuation, and underwriting requirements and not all borrowers will qualify for all rates. PMI and Flood and/or property hazard insurance may be required, and other restrictions may apply. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.

Maximum loan amount for HELOC up to 85% CLTV is $100,000. Maximum loan amount for Home Equity Loans up to 85% CLTV is $100,000.

¹The contractual variable rate is the Prime rate minus or plus a margin based on your credit (margin = minus 0.250% up to plus 1.50%) The prime rate is the “Prime Rate” published in the “Consumer Money Rates” table of the Wall Street Journal on the last business day of each month. Prime is a variable rate; as it changes, the APR on your account will also change. The minimum APR is 4.00% and the maximum APR that can apply is 15.00%. The current APR is 7.25% to 9.25% as of November 14th, 2024. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be a one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes, or cooperatives. The minimum line of credit amount is $10,000 and the minimum in-branch advance is $500. Loan fees and closing costs vary up to $1,000. Owner-occupied only.

Apply Online or you can also talk to an HCCU Member Home Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let’s chat face-to-face!