Loan & Credit Card Rates

All loans subject to credit approval and membership eligibility. Vehicles must be purchased from a franchise dealer in the state you live in. Refinances are limited to CA residents. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

Maximum NEW auto loan amount is MSRP plus tax, license, documentation and recording fees, Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI). Maximum USED auto loan amount is average Kelley Blue Book plus tax, license, documentation and recording fees, Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI). LTV is based on risk tier.

Rates shown are for our highest credit tier plus an Ambassador Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates.

All loans subject to credit approval and membership eligibility. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

*The Personal Line of Credit rate is variable, based on the Prime Rate as published in The Wall Street Journal Money Rates Table (the “Index”) plus a margin. This product does not qualify for Loyalty+ discounts. The minimum monthly payment is the greater of $25.00 or 2.5% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.

**The Personal Loan rate is a fixed rate, and includes an Ambassador-level Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates.

Payment Example: A 36-month Personal Loan at 9.49% APR would result in monthly payments of $32.03 for each $1,000 borrowed.

¹ The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (“Index”). The Prime + 0% rate is a temporary promotional offer for new HELOCs funded on or after 12/11/2025, and is subject to change without notice. For qualifying HELOCs, the Prime + 0% rate will continue throughout the entire loan term. The minimum interest rate is 4.000%, and the maximum interest rate is 18.000%. Equity lines for owner-occupied properties have a 10-year draw period and a 20-year repayment period for a total term of 30 years. Equity lines for second homes and investment properties have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only. There is no annual fee or early termination fee.

The rate example shown here is based on an owner-occupied single-family home with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. Some restrictions may apply.

HELOC payment example: A HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), a 6.750% APR, and a FICO® score of 680 or greater will have a monthly payment of $1,407. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

² Second Home/Investment HELOCs have a maximum 75% CLTV and maximum line of $400,000 with a variable rate of Prime + 1.375%. Payment example: A HELOC with a loan amount of $250,000, 75% Combined Loan to Value (CLTV), an 8.125% APR, and a FICO® score of 680 or greater will have a monthly payment of $1,693.00. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

³ The ADU HELOC rate is fixed for the first 12 months, then variable and subject to increase or decrease during the loan term. ADU HELOC payment example: An ADU HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), a 5.750% APR, and a FICO® score of 720 or greater will have a fixed monthly payment of $1,197 for the first 12 months. After the initial 12 months, the rate and payment are subject to change. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

The rate example shown here is based on ADU construction at an owner-occupied single-family detached house located in the state of California with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. The property must be owner-occupied and located in California, and an approved permit from the County where the property is located is required. Other restrictions may apply.