The Sonoma County Grange Credit Union was established in 1948 to provide affordable financial services to individuals in agriculture
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Rates

Savings Rates

Annual Percentage Yield for Share Savings Dividends

September Quarter End, 2010

0 - 100.00 0.000%
100.01 - 1,000.00 0.250%
   1,000.01 - 5,000.00 0.250%
5000.01 -  10,000.00 0.250%
10,000.01 - 25,000.00 0.350%
25,000.01 - 50,000.00 0.350%
50,000.01 - 100,000.00 0.451%
100,000.01 - 250,000.00 0.551%
250,000.01 - Up 0.551%

Rates stated above are Annual Percentage Yields. Share accounts with a balance of $100 or less will not earn dividends. A minimum balance of $25 must be maintained for membership qualification and $100.01 to earn dividends.

Share Certificate Rates

Certificate Accounts Rates and Terms - Fixed CD
Effective Date August 1st, 2010 through August 31st, 2010
Minimum Opening Deposit1,000.00*

* FFA & 4H students age 9 yrs to 18yrs - minimum balance $200.00

Dividends CompoundedQuarterly and at Maturity
Dividends CreditedQuarterly and at Maturity
Dividend PeriodQuarterly
Additional DepositsNot Allowed - See Transaction Limitations in Account Disclosure
WithdrawalsNot Allowed - See Transaction Limitations in Account Disclosure. Early Withdrawal Penalties Apply
RenewableAutomatic
 
TERM 6 months (182 days)
DIVIDEND RATE (%) 0.648% Fixed
ANNUAL PERCENTAGE YIELD (%) 0.650% Fixed
   
TERM 12 months (365 days)
DIVIDEND RATE (%) 0.896% Fixed
ANNUAL PERCENTAGE YIELD (%) 0.90% Fixed
   
TERM 36 months (3 years)
DIVIDEND RATE (%) 1.243% Fixed
ANNUAL PERCENTAGE YIELD (%) 1.25% Fixed

Certificate Accounts Rates and Terms - Fixed CD
Effective Date August 1st, 2010 through August 31st, 2010
Minimum Opening Deposit 100,000.00*

 

Dividends Compounded Quarterly and at Maturity
Dividends Credited Quarterly and at Maturity
Dividend Period Quarterly
Additional Deposits Not Allowed - See Transaction Limitations in Account Disclosure
Withdrawals Not Allowed - See Transaction Limitations in Account Disclosure. Early Withdrawal Penalties Apply
Renewable Automatic
 
TERM 6 months (182 days)
DIVIDEND RATE (%) 0.847% Fixed
ANNUAL PERCENTAGE YIELD (%) 0.85% Fixed
   
TERM 12 months (365 days)
DIVIDEND RATE (%) 1.144% Fixed
ANNUAL PERCENTAGE YIELD (%) 1.15% Fixed
   
TERM 36 months (3 years)
DIVIDEND RATE (%) 1.935% Fixed
ANNUAL PERCENTAGE YIELD (%) 1.95% Fixed

Home Loan Rates

Real Estate Loans
Purchase and Refinance
5-Year Interest Adjustment Option *Effective May 26, 2009
Amount15 Years30 YearsNotes
80% Loan to Value 5.25% 5.25%Loans up to $416,999.99. Larger loans are available at our Jumbo Rates shown below. The interest rate is subject to interest adjustment on each five-year anniversary of the loan. Loans also available for separately maintained dwelling on one parcel, please call for details.
Jumbo Real Estate Loans
$417,000.01 and over *Effective May 26, 2009
Amount15 Years30 YearsNotes
80% Loan to Value 5.25% 5.25%

Minimum loan $417,000.01 and the maximum 1st mortgage is $600,000.

Key Economic Indicator for 1st mortgage "Index" is 11th district cost of funds - 2% Margin minimum.

Second Mortgage Loans
5 year Interest Adjustment Option *Effective May 26, 2009
Amount20 YearsNotes
80% Loan to Value 5.50%Total of 1st and 2nd mortgage maximum is 80% loan to value up to $600,000.00

Loans refinanced within 12 months will have a fee of $1,000.00.

Consumer Loan Rates

 ANNUAL PERCENTAGE RATEFIXED OR VARIABLE RATETERM
AUTOMOBILE LOANS
New Auto
See Discounts*
3.45% - 6.99%†Fixed 5 years**
Used Auto
See Discounts*
3.45% - 6.99%†Fixed 5 years**
RECREATIONAL VEHICLE LOANS
New/Used Motorhome & Recreational Trailers6.50% - 14.00%†Fixedup to 15 years**
New Motorcycles
80% financing
No dirt bikes
6.50% - 14.00%†Fixedup to 15 years**
New/Used Boats
80% financing
6.50% - 14.00%†Fixedup to 15 years**
Commercial Vehicle
80% financing
7.00%Fixedup to 10 years**
PERSONAL LOANS
Signature Loans7.99% - 15.00%†Fixed3 - 5 years**
Savings Secured Loans4.75%Variableup to 10 years

*Discounts include:

Choosing 80% Financing0.25%
Finance for 60 month term0.20%
Finance for 48 month term0.35%
Sign up for automatic payment0.25%
Open a checking account0.25%

†Your APR based on credit qualification. APR = Annual Percentage Rate

** The guidelines for Term are determined by loan amount

4H/FFA Agricultural Loans

4-H Student Loan Rates
InterestTermDescription
0.00% (Zero)12 months$1,500 maximum.

Terms and Conditions may change at any time. All Rates subject to change without notice.