Current Rates  
Checking Open Now Effective Date:  August 30, 2014
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
High-Yield Interest Checking $10,000.00 $10,000.00 and above 0.08% 0.08%
$.01 - $9,999.99 0.04% 0.04%
Interest Checking $2,500.00 $25,000.00 and above 0.06% 0.06%
$10,000.00 - $24,999.99 0.05% 0.05%
$2,500.00 - $9,999.99 0.04% 0.04%
$.01 - $2,499.99 No Dividends
Free Checking $20.00 N/A No Dividends
Business Checking $100.00 N/A No Dividends
Health Savings Account (HSA) $100.00 $100.00 and above 0.25% 0.25%

Savings Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Regular (Share) Savings $50.00 $50.00 and above 0.05% 0.05%
Business Savings $100.00 $100.00 and above 0.05% 0.05%
Youth Savers (17 and under) $5.00 $5.00 and above 0.05% 0.05%
Holiday Savings $25.00 $25.00 and above 0.05% 0.05%
IRA Savings $100.00 $100.00 and above 0.10% 0.10%

Money Market Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Money Market Plus/
Business Money Market Plus
$2,500.00 $250,000.00 and above 0.15% 0.15%
$150,000.00 - $249,999.99 0.15% 0.15%
$125,000.00 - $149,999.99 0.15% 0.15%
$100,000.00 - $124,999.99 0.15% 0.15%
$75,000.00 - $99,999.99 0.12% 0.12%
$50,000.00 - $74,999.99 0.12% 0.12%
$20,000.00 - $49,999.99 0.08% 0.08%
$15,000.00 - $19,999.99 0.07% 0.07%
$10,000.00 - $14,999.99 0.07% 0.07%
$2,500.00 - $9,999.99 0.06% 0.06%
$0.01 - $2,499.99 0.03% 0.03%

Certificates Open Now
Minimum Balance
to Open
Term Dividend Rate Annual Percentage Yield (APY)
Certificates, IRA Certificates

$2,000.00 minimum balance to open a Certificate or IRA Certificate, $500.00 for Education Savings Account (ESA) Certificate

60 Months 1.00% 1.00%
48 Months 0.75% 0.75%
36 Months 0.50% 0.50%
30 Months 0.30% 0.30%
24 Months 0.30% 0.30%
18 Months 0.25% 0.25%
12 Months 0.25% 0.25%
Certificates $2,000.00 11 Months 0.20% 0.20%
6 Months 0.15% 0.15%
3 Months 0.10% 0.10%
Youth Certificate1 $250.00 12 Months 0.25% 0.25%
Add-On Certificate1,2 $500.00 9 Months 0.15% 0.15%
Add-On IRA Certificate3 $2,000.00 24 Months 0.25% 0.25%
Registry Certificate Account4 $100.00 15 Months 0.10% 0.10%

Rates accurate as of effective date and subject to change at any time.  Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened.  When a Certificate is opened, the rate is fixed for the stated term.  Dividends are compounded and credited monthly.  To become a member, a one-time, non-refundable membership fee of $10.00 is required ($1.00 for youth 17 and under).  Fees may reduce earnings.  Early withdrawal penalty applies to Certificates.  Early IRA withdrawals may be subject to tax penalty.  Consult your tax or financial advisor for IRA and HSA information.  Pre-authorized withdrawal transaction limits apply to savings and money market accounts.  Please refer to the Truth-In-Savings Disclosure and Cost Recovery Schedule for other account terms and conditions.  Call (650) 363-1725 or (888) 363-1725 for current rate information or about fees and terms.

1Additional deposits of $50.00 or more allowed during term.

2Maximum balance permitted is $100,000.00.

3Additional deposits of $500.00 or more allowed during initial term only.

4Additional deposits of $15.00 or more allowed.

Auto Loans Apply Now Effective Date:  August 30, 2014
  Term Minimum Amount APR as low as
New Auto
Up to 125% of MSRP1
Up to 72 Months $15,000 for 12 Month Term 1.99%
73 - 84 Months $25,000 for 84 month term 2.99%
Used Auto (2006 or newer)
Up to 125% Retail Blue Book
Up to 60 Months None 1.99%
61 - 72 Months $15,000 for 72 month term 2.24%
73 - 84 Months $25,000 for 84 month term 2.99%

Boats, Motor Homes and Travel Trailers Apply Now
  Term Minimum Amount APR as low as
New Boats, Motor Homes and Travel Trailers
Up to 100% financing
Up to 60 Months None 6.75%
Used Boats, Motor Homes and Travel Trailers
(2006 or newer)
Up to 100% of Blue Book
Up to 60 Months None 7.49%

Motorcycle Loans Apply Now
Term Minimum Amount APR as low as
New Motorcycle
Up to 100% financing
Up to 60 Months None 5.75%
Used Motorcycle (2006 or newer)
Up to 100% of Blue Book
Up to 60 Months None 6.25%

Credit Cards2 Apply Now
  Available Credit APR as low as
Visa Platinum Rewards
Rates & Disclosure
$500 - $25,000 9.99% - 17.99% Variable quarterly,
based on credit-worthiness criteria
Visa Platinum
Rates & Disclosure
$500 - $25,000 8.99% - 16.99% Variable quarterly,
based on credit-worthiness criteria
Business Credit Card
Rates & Disclosure
$500 - $25,000 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Student Visa
Rates & Disclosure
$100 - $500 14.99% Fixed
Visa Classic $500 - $5,000 15.45% Fixed

Unsecured Loans2 Apply Now
Term Available Credit APR as low as
Personal Loan Up to 60 Months $100.00 - $25,000.00 6.99%
Computer Loan Up to 24 Months $300.00 - $2,500.00 9.99%

APR = Annual Percentage Rate.

1Subject to credit approval

2 Total unsecured debt cannot exceed $25,000.00 maximum aggregate limit.

Advertised rates are based on credit criteria and your rate may be higher.

Conforming Loan Amounts to$417,000.001,6 Apply Now Effective Date:  September 02, 2014
Rate Credit APR2 Payment per $1000
30 Year Fixed 4.250% 0 4.298% $4.92
4.375% -1.000% 4.338% $4.99
20 Year Fixed 4.125% 0 4.191% $6.13
4.250% -1.250% 4.171% $6.19
15 Year Fixed 3.500% 0 3.583% $7.15
10 Year Fixed 3.250% 0 3.370% $9.77
3/1 ARM 2.625% 0 2.669% $4.02
5/1 ARM 2.875% 0 2.919% $4.15

Conforming High Balance Loan Products1,6
$417,000.01 - $625,500.00 Apply Now
Rate Credit APR Payment per $1000
30 Year Fixed 4.250% 0 4.282% $4.92
4.375% -0.750% 4.344% $4.99
15 Year Fixed 3.625% 0 3.680% $7.21
3.750% -0.250% 3.769% $7.27
3/1 ARM 2.750% 0 2.779% $4.08
5/1 ARM 2.875% 0 2.904% $4.15

Jumbo Adjustable Rate Mortgages5,6
Amounts over$625,500.00 Apply Now
Rate Points APR Payment per $1000
3/1 ARM 2.750% 0 2.762% $4.08
5/1 ARM 2.875% 0 2.887% $4.15


FHA Loan Apply Now
Rate Credit Origination Fee APR Payment per $1000
30 Year Fixed 3.875% -0.538% 0.000% 3.857% $4.70

Home Equity Loan3 Apply Now
Term Rate APR Payment per $1000
$25,000 - $200,000 Fixed Rate Loan 5 Years 4.000% 4.000% $18.42
10 Years 5.000% 5.000% $10.61
15 Years 5.500% 5.500% $8.17

Home Equity Line of Credit4Variable Rate Open-end Apply Now
Loan to Value APR
$25,000 - $200,000 75% 4.000%

175% LTV for single family homes, approved condos and town homes.

2APR = Annual Percentage Rate

3Additional closing costs and fees will be applicable if the mortgage loan is in the 1st lien position. Members will pay for an appraisal on all loan requests above $100,000. Loan amounts from $5,000.00 to $100,000.00 SMCU will pay for title and recording costs at closing. Loan Amounts over $100,001.00 to $200,000 will require a full appraisal paid for by the member. SMCU will pay for the title and recording costs at closing.

4APR . Annual Percentage Rate. The rate is variable and tied to Prime as reported in the Wall Street Journal. Current Prime Rate has remained at 3.25% as of 12/16/08. Rate is subject to change at any time. Maximum APR during the life of the loan will not exceed the APR in effect at the time of funding by more than 10% over initial start rate. Floor rate will not drop below 4%. Additional closing costs and fees will be applicable if the mortgage loan is in the 1st position. Members will pay for an appraisal on all loan requests above $100,000. 10 year draw period. 15 year pay-back period.

575% LTV for single family homes, approved condo and town homes.

6Loan Level Price Adjustments may apply based upon certain eligibility of other loan features such as credit score, loan purpose, occupancy, number of units, property type, etc.

The rates listed above are for informational purposes only. They fluctuate with the market and are not guaranteed without a valid rate lock. Rates and terms are subject to change without notice.

These rates are for California Owner-Occupied properties only. Loans Products are available for Second Homes and Investment Property.

LTV = Loan-to-value

EQUAL OPPORTUNITY LENDER

Checking Open Now Effective Date:  August 30, 2014
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
High-Yield Interest Checking $10,000.00 $10,000.00 and above 0.08% 0.08%
$.01 - $9,999.99 0.04% 0.04%
Interest Checking $2,500.00 $25,000.00 and above 0.06% 0.06%
$10,000.00 - $24,999.99 0.05% 0.05%
$2,500.00 - $9,999.99 0.04% 0.04%
$.01 - $2,499.99 No Dividends
Free Checking $20.00 N/A No Dividends
Business Checking $100.00 N/A No Dividends
Health Savings Account (HSA) $100.00 $100.00 and above 0.25% 0.25%

Savings Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Regular (Share) Savings $50.00 $50.00 and above 0.05% 0.05%
Business Savings $100.00 $100.00 and above 0.05% 0.05%
Youth Savers (17 and under) $5.00 $5.00 and above 0.05% 0.05%
Holiday Savings $25.00 $25.00 and above 0.05% 0.05%
IRA Savings $100.00 $100.00 and above 0.10% 0.10%

Money Market Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Money Market Plus/
Business Money Market Plus
$2,500.00 $250,000.00 and above 0.15% 0.15%
$150,000.00 - $249,999.99 0.15% 0.15%
$125,000.00 - $149,999.99 0.15% 0.15%
$100,000.00 - $124,999.99 0.15% 0.15%
$75,000.00 - $99,999.99 0.12% 0.12%
$50,000.00 - $74,999.99 0.12% 0.12%
$20,000.00 - $49,999.99 0.08% 0.08%
$15,000.00 - $19,999.99 0.07% 0.07%
$10,000.00 - $14,999.99 0.07% 0.07%
$2,500.00 - $9,999.99 0.06% 0.06%
$0.01 - $2,499.99 0.03% 0.03%

Certificates Open Now
Minimum Balance
to Open
Term Dividend Rate Annual Percentage Yield (APY)
Certificates, IRA Certificates

$2,000.00 minimum balance to open a Certificate or IRA Certificate, $500.00 for Education Savings Account (ESA) Certificate

60 Months 1.00% 1.00%
48 Months 0.75% 0.75%
36 Months 0.50% 0.50%
30 Months 0.30% 0.30%
24 Months 0.30% 0.30%
18 Months 0.25% 0.25%
12 Months 0.25% 0.25%
Certificates $2,000.00 11 Months 0.20% 0.20%
6 Months 0.15% 0.15%
3 Months 0.10% 0.10%
Youth Certificate1 $250.00 12 Months 0.25% 0.25%
Add-On Certificate1,2 $500.00 9 Months 0.15% 0.15%
Add-On IRA Certificate3 $2,000.00 24 Months 0.25% 0.25%
Registry Certificate Account4 $100.00 15 Months 0.10% 0.10%

Rates accurate as of effective date and subject to change at any time.  Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened.  When a Certificate is opened, the rate is fixed for the stated term.  Dividends are compounded and credited monthly.  To become a member, a one-time, non-refundable membership fee of $10.00 is required ($1.00 for youth 17 and under).  Fees may reduce earnings.  Early withdrawal penalty applies to Certificates.  Early IRA withdrawals may be subject to tax penalty.  Consult your tax or financial advisor for IRA and HSA information.  Pre-authorized withdrawal transaction limits apply to savings and money market accounts.  Please refer to the Truth-In-Savings Disclosure and Cost Recovery Schedule for other account terms and conditions.  Call (650) 363-1725 or (888) 363-1725 for current rate information or about fees and terms.

1Additional deposits of $50.00 or more allowed during term.

2Maximum balance permitted is $100,000.00.

3Additional deposits of $500.00 or more allowed during initial term only.

4Additional deposits of $15.00 or more allowed.

Auto, Personal and Credit Card Rates
Auto Loans Apply Now Effective Date:  August 30, 2014
  Term Minimum Amount APR as low as
New Auto
Up to 125% of MSRP1
Up to 72 Months $15,000 for 12 Month Term 1.99%
73 - 84 Months $25,000 for 84 month term 2.99%
Used Auto (2006 or newer)
Up to 125% Retail Blue Book
Up to 60 Months None 1.99%
61 - 72 Months $15,000 for 72 month term 2.24%
73 - 84 Months $25,000 for 84 month term 2.99%

Boats, Motor Homes and Travel Trailers Apply Now
  Term Minimum Amount APR as low as
New Boats, Motor Homes and Travel Trailers
Up to 100% financing
Up to 60 Months None 6.75%
Used Boats, Motor Homes and Travel Trailers
(2006 or newer)
Up to 100% of Blue Book
Up to 60 Months None 7.49%

Motorcycle Loans Apply Now
Term Minimum Amount APR as low as
New Motorcycle
Up to 100% financing
Up to 60 Months None 5.75%
Used Motorcycle (2006 or newer)
Up to 100% of Blue Book
Up to 60 Months None 6.25%

Credit Cards2 Apply Now
  Available Credit APR as low as
Visa Platinum Rewards
Rates & Disclosure
$500 - $25,000 9.99% - 17.99% Variable quarterly,
based on credit-worthiness criteria
Visa Platinum
Rates & Disclosure
$500 - $25,000 8.99% - 16.99% Variable quarterly,
based on credit-worthiness criteria
Business Credit Card
Rates & Disclosure
$500 - $25,000 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Student Visa
Rates & Disclosure
$100 - $500 14.99% Fixed
Visa Classic $500 - $5,000 15.45% Fixed

Unsecured Loans2 Apply Now
Term Available Credit APR as low as
Personal Loan Up to 60 Months $100.00 - $25,000.00 6.99%
Computer Loan Up to 24 Months $300.00 - $2,500.00 9.99%

APR = Annual Percentage Rate.

1Subject to credit approval

2 Total unsecured debt cannot exceed $25,000.00 maximum aggregate limit.

Advertised rates are based on credit criteria and your rate may be higher.

Mortgage Rates
Conforming Loan Amounts to$417,000.001,6 Apply Now Effective Date:  September 02, 2014
Rate Credit APR2 Payment per $1000
30 Year Fixed 4.250% 0 4.298% $4.92
4.375% -1.000% 4.338% $4.99
20 Year Fixed 4.125% 0 4.191% $6.13
4.250% -1.250% 4.171% $6.19
15 Year Fixed 3.500% 0 3.583% $7.15
10 Year Fixed 3.250% 0 3.370% $9.77
3/1 ARM 2.625% 0 2.669% $4.02
5/1 ARM 2.875% 0 2.919% $4.15

Conforming High Balance Loan Products1,6
$417,000.01 - $625,500.00 Apply Now
Rate Credit APR Payment per $1000
30 Year Fixed 4.250% 0 4.282% $4.92
4.375% -0.750% 4.344% $4.99
15 Year Fixed 3.625% 0 3.680% $7.21
3.750% -0.250% 3.769% $7.27
3/1 ARM 2.750% 0 2.779% $4.08
5/1 ARM 2.875% 0 2.904% $4.15

Jumbo Adjustable Rate Mortgages5,6
Amounts over$625,500.00 Apply Now
Rate Points APR Payment per $1000
3/1 ARM 2.750% 0 2.762% $4.08
5/1 ARM 2.875% 0 2.887% $4.15


FHA Loan Apply Now
Rate Credit Origination Fee APR Payment per $1000
30 Year Fixed 3.875% -0.538% 0.000% 3.857% $4.70

Home Equity Loan3 Apply Now
Term Rate APR Payment per $1000
$25,000 - $200,000 Fixed Rate Loan 5 Years 4.000% 4.000% $18.42
10 Years 5.000% 5.000% $10.61
15 Years 5.500% 5.500% $8.17

Home Equity Line of Credit4Variable Rate Open-end Apply Now
Loan to Value APR
$25,000 - $200,000 75% 4.000%

175% LTV for single family homes, approved condos and town homes.

2APR = Annual Percentage Rate

3Additional closing costs and fees will be applicable if the mortgage loan is in the 1st lien position. Members will pay for an appraisal on all loan requests above $100,000. Loan amounts from $5,000.00 to $100,000.00 SMCU will pay for title and recording costs at closing. Loan Amounts over $100,001.00 to $200,000 will require a full appraisal paid for by the member. SMCU will pay for the title and recording costs at closing.

4APR . Annual Percentage Rate. The rate is variable and tied to Prime as reported in the Wall Street Journal. Current Prime Rate has remained at 3.25% as of 12/16/08. Rate is subject to change at any time. Maximum APR during the life of the loan will not exceed the APR in effect at the time of funding by more than 10% over initial start rate. Floor rate will not drop below 4%. Additional closing costs and fees will be applicable if the mortgage loan is in the 1st position. Members will pay for an appraisal on all loan requests above $100,000. 10 year draw period. 15 year pay-back period.

575% LTV for single family homes, approved condo and town homes.

6Loan Level Price Adjustments may apply based upon certain eligibility of other loan features such as credit score, loan purpose, occupancy, number of units, property type, etc.

The rates listed above are for informational purposes only. They fluctuate with the market and are not guaranteed without a valid rate lock. Rates and terms are subject to change without notice.

These rates are for California Owner-Occupied properties only. Loans Products are available for Second Homes and Investment Property.

LTV = Loan-to-value

EQUAL OPPORTUNITY LENDER

4