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Business Services Rates

Business Services Rates

Rates below are effective January 30, 2025.

Rates are subject to change without notice. All loan rates are based on approved credit.

Savings

Business Savings

Business Savings

$5 minimum opening balance for Business Primary Savings account, required to maintain membership.

Average Daily Balance Dividend Rate APY1
Savings  $0.00 – $2,499.99 0.15% 0.15%
Savings  $2,500.00 – $24,999.99 0.15% 0.15%
Savings  $25,000.00 – $49,999.99 0.15% 0.15%
Savings  $50,000.00 and over 0.30% 0.30%
Business Money Market

Business Money Market Account

$5,000 daily balance required to open and avoid maintenance fee.

Average Daily Balance Dividend Rate APY1
Savings $0.00 -$4,999.99 0.00% 0.00%
Savings $5,000 – $49,999.99 1.00% 1.00%
Savings $50,000 – $99,999.99 1.50% 1.51%
Savings $100,000 – $249,999.99 1.50% 1.51%
Savings $250,000+ 1.75% 1.76%
Business Share Certificate

Business Share Certificates

$1,000 minimum opening balance.

Balance
$1,000.00 – $49,999.99		 Balance
$50,000.00 – $99,999.99		 Balance
$100,000.00 and over
Term Dividend Rate APY2 Dividend Rate APY2 Dividend Rate APY2
Certificate 6 month 3.50% 3.56% 3.55% 3.61% 3.60% 3.66%
Certificate 12 month 3.75% 3.82% 3.80% 3.87% 3.85% 3.92%
Certificate 2 year
 3.50% 3.56% 3.55% 3.61% 3.60% 3.66%
Certificate 3 year 3.50% 3.56% 3.55% 3.61% 3.60% 3.66%
 Certificate 4 year 3.50% 3.56% 3.55% 3.61% 3.60% 3.66%
Certificate 5 year 3.50% 3.56% 3.55% 3.61% 3.60% 3.66%

 

Loan Rates

Basic Business Vehicle Loan

Basic Business Vehicle Loan

For loans up to $100,000.

NEW VEHICLES3

Term (in months) APR5/6
Up to 60 6.84% – 9.99%
60-72 7.14% – 10.29%
73-84 7.69% – 8.59%

USED VEHICLES4

Term (in months) APR5/6
Up to 60 7.29% – 10.44%
60-72 7.59% – 10.74%
73-84 8.44% – 9.34%

OLDER USED VEHICLES7

Term (in months) APR5/6
Up to 60 8.84% – 11.99%

Basic Business Visa Credit Card

Basic Business Visa® Credit Card

For loans up to $50,000.

Loan Type APR8
Basic Visa Credit Card Prime Rate + 5.50%
Basic Business Term Loan

Basic Business Term Loan

For loans up to $100,000.

Loan Type APR*
Secured and Unsecured 11.99%
*APR=Annual Percentage Rate. Fixed rate.
Basic Business Line of Credit

Basic Business Line of Credit

For loans up to $100,000.

Loan Type APR9
Secured and Unsecured Prime Rate + 3.00%

BUSINESS & COMMERCIAL LOANS

Whether you need working capital or a commercial real estate loan for purchase or refinance, we’re here to help you grow.

For details on loans over $100,000, please call (805) 540-7707.

BUSINESS SAVINGS AND INVESTMENTS DISCLOSURES
APY = Annual Percentage Yield.
 1. Dividend rates and APY are variable and may vary after the account is opened. Fees may reduce account earnings. Additional restrictions may apply. Refer to your Account Features Disclosure for more information.
2. APY assumes dividends remain in account to maturity. Early withdrawal penalties may apply. A partial early withdrawal that would reduce the principal balance below the minimum balance required to obtain the applied tiered dividend rate at account opening will result in account closure along with early withdrawal penalties. Additional restrictions may apply.

BUSINESS LOANS DISCLOSURES
APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval.
3. Vehicles less than 7 years old and mileage less than 12,000. Payment Example: A $30,000 loan, at 6.84% APR for 60 months, would have an estimated monthly payment of $591.77.
4. Vehicles less than 7 years old and mileage less than 100,000. APR is 2.00% higher for vehicles with mileage of 100,000 or more. Payment Example: A $30,000 loan, at 7.29% APR for 60 months, would have an estimated monthly payment of $598.15.
5. Rates are based on credit score and specific vehicle qualifications. Financing available up to 95% of MSRP or Retail Kelley Blue Book.
6. Financing is subject to SESLOC membership, credit approval and other underwriting criteria: not every applicant will qualify. Restrictions my apply.
7. Vehicles 7 years old or older and/or mileage greater than 100,000. Payment Example: A $30,000 loan, at 10.69% APR for 60 months, would have an estimated monthly payment of $647.53.
8. APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. APR will not go below 7.90%.
9. APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. APR will not go below 6.00%.