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Personal Loan Rates
Whether you want to take a vacation, consolidate bills, increase your home's energy efficiency or just need some extra cash, we make financing your dreams easy!
Personal Loan Rates
Signature Loan
Loan Amount
APR (As Low As)1
Term
$500-$30,000
10.88%
Up to 36 Months
$500-$30,000
11.88%
Up to 48 Months
$500-$30,000
12.88%
Up to 60 Months
Signature Line of Credit
Loan Amount
APR (As Low As)1
Term
$500-25,000
14.50%
Revolving
Secured Signature Personal Loans
Loan
Loan Amount
Fixed APR1
Term
Savings and Money Market Secured Loan
100% of available Savings or Money Market balance
3.00%
Up to 84 months
Certificate Secured Loans
With monthly payments: up to 100% of certificate balance
Certificate Rate +3%
Up to full certificate term
Energy Loans
For more information call (858) 495-1637 or email energy@10ybbs.com. For additional information on the GoGreen Home Energy Financing program, please visit gogreenfinancing.com.
Loan Amount
APR (As Low As)1
Term
$5,000 - $50,000 ($75,000 for solar + battery bundle)
3.98%
30 months
$5,000 - $50,000 ($75,000 for solar + battery bundle)
5.38%
5 years
$5,000 - $50,000 ($75,000 for solar + battery bundle)
6.38%
10 years
$5,000 - $50,000 ($75,000 for solar + battery bundle)
7.38%
15 years
$25,000 - $75,000 (for solar + battery bundle only)
8.38%
20 years
Other Loan Options
18-Month Emergency Personal Loan
No Fees
Rates as low as 4.98% APR
Loan amounts up to $5,000
Principal and Interest Payments over 18 months
Subject to credit review
Overdraft Line of Credit
Overdraft protection on Cal Coast checking accounts
No fees
Rates as low as 8.88% APR
Credit line of $1,000 with access as you need it
Subject to credit review
APR = Annual Percentage Rate as of 11/25/2024 and may vary based on credit history. All loans subject to approval. Rates subject to change without notice.
Signature/Personal Loan Payment Examples: A 36 month loan at 10.88% will have 36 monthly payments of $32.69 per $1,000 borrowed. A 48 month loan at 11.88% will have 48 monthly payments of $26.28 per $1,000 borrowed. A 60 month loan at 12.88% will have 60 monthly payments of $22.70 per $1,000 borrowed. Monthly payments for the Signature Line product are 3% of the outstanding balance at the time of the last advance or $25 whichever is greater. A $1,000 Signature Line balance will have a $30 minimum monthly payment.
Signature Line of Credit/Overdraft Line of Credit: No interest will be charged until the funds are used. Estimated minimum monthly payment is 3% of the outstanding balance or $25, whichever is greater. For example, a balance of $1,000 will have a $30 minimum monthly payment.
GoGreen Home Energy Financing Examples: A 30 month loan at 3.98% will have 30 monthly payments of $35.09 per $1,000 borrowed. A 60 month (5 year) loan at 5.38% will have 60 monthly payments of $19.05 per $1,000 borrowed. A 120 month loan (10 years) at 6.38% will have 120 monthly payments of $11.30 per $1,000 borrowed. A 180 month (15 year) loan at 7.38% will have 180 monthly payments of $9.21 per $1,000 borrowed. A 240 month (20 year) loan at 8.38% will have 240 monthly payments of $8.61 per $1,000 borrowed.
Don't be a stranger, we're your neighbor
Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart.