All home loans are available only to members residing in California and on owner-occupied member residences (single-family dwellings, condos and townhomes) in Los Angeles, Orange, Ventura, Riverside, San Diego and San Bernardino counties. Loans issued subject to credit review and approval. Additional restrictions may apply.

**APR = Annual Percentage Rate. 2.99% APR car loan rate is for 100% financing, based on model years of 2010–2012, up to 72 month term. Rate effective 5/1/12 and is subject to change without notice. APR quoted includes a discount for automatic repayment. Your rate without automatic repayment method will be one-half percent higher. Monthly payment per $1,000 for a 72-month term at 2.99% APR = $15.20. Loan rates subject to change without notice. Loans issued subject to credit review. Loans available only to members residing in California, and for vehicles registered in California. Maximum amount for any vehicle loan: $75,000.

Share Certificate (CD) rate in rate chart is for a $100,000 minimum deposit, for a term of 1 year. There may be penalties for early withdrawal. Rates are subject to change without notice.

The Home Equity Line of Credit Loan rate quoted is an introductory rates for 6 months. At the end of the introductory rate period, the rate will convert to the non-discounted variable annual percentage rate schedule, currently at 5.00% APR (and, based on this rate, has a maximum rate of 11.00% APR) for 70% Combined Loan-to-Value (CLTV). Some restrictions may apply. Rates subject to change quarterly. Call for full details.