Our Credit Union Rates for California Members

Premier Membership, Free Checking and Student Checking
Checking Type	Dividend Rate	APY	Minimum Opening Deposit
Checking Type Premier Checking	Dividend Rate 0.05%	APY 0.05%	Minimum Opening Deposit $100
Checking Type Free Checking with eStatements*	Dividend Rate 0.00%	APY 0.00%	Minimum Opening Deposit $25
Checking Type Student Checking	Dividend Rate 0.00%	APY 0.00%	Minimum Opening Deposit $25
Must meet membership and account criteria. Rates, terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are effective as of 4/1/2025, are the anticipated rates and yields and are variable, meaning they can change without notice unless noted otherwise. Refer to the Schedule of Fees and Charges for more information. Fees may apply based on product and account usage, and may reduce earnings. *Additional fees may apply based on account usage.

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Savings Accounts
Savings Type	Dividend Rate	APY	Opening Balance
Savings Type High Rate Savings	Dividend Rate 2.23%	APY 2.25%	Opening Balance $25
Savings Type Regular Savings	Dividend Rate 0.05%	APY 0.05%	Opening Balance $25
Savings Type Advantage Savings	Dividend Rate 0.05%	APY 0.05%	Opening Balance $25
Savings Type Holiday Savings¹	Dividend Rate 0.30%	APY 0.30%	Opening Balance $5
Savings Type Youth Savings²	Dividend Rate 0.05%	APY 0.05%	Opening Balance $25
Savings Type IRA Regular Savings	Dividend Rate 0.05%	APY 0.05%	Opening Balance $0
Savings Type Legacy Savings	Dividend Rate 0.00%	APY 0.00%	Opening Balance $25
Must meet membership and account criteria. Rates, terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are effective as of 4/14/25, are the anticipated rates and yields and are variable, meaning they can change without notice unless noted otherwise. Refer to the Schedule of Fees and Charges for more information. 1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited. 2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

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High Rate Money Market Account
Balance	Dividend Rate	APY
Balance All balances	Dividend Rate 2.23%	APY 2.25%

IRA Money Market Account
Balance	Dividend Rate	APY
Balance All balances	Dividend Rate 2.97%	APY 3.00%

Money Market Advantage Account
Balance	Dividend Rate	APY
Balance $1,000,000 and above	Dividend Rate .15%	APY .15%
Balance $250,000 to $999,999	Dividend Rate .15%	APY .15%
Balance $50,000 to $249,999	Dividend Rate .15%	APY .15%
Balance $25,000 to $49,999	Dividend Rate .10%	APY .10%
Balance $15,000 to $24,999	Dividend Rate .05%	APY .05%
Balance $2,500 to $14,999	Dividend Rate .05%	APY .05%

Must meet membership and account criteria. Rates, terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are effective as of 4/14/25, are the anticipated rates and yields and are variable, meaning they can change without notice unless noted otherwise. Refer to the Schedule of Fees and Charges for more information.

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Standard Term Certificate Accounts
Term	Minimum Balance	Dividend Rate	APY
Term 3 Month Promotional Certificate*	Minimum Balance $1,000	Dividend Rate 3.21%	APY 3.25%
Term 3-5 Months	Minimum Balance $1,000	Dividend Rate 0.25%	APY 0.25%
Term 6 Month Promotional Certificate*	Minimum Balance $1,000	Dividend Rate 3.45%	APY 3.50%
Term 6-11 Months	Minimum Balance $1,000	Dividend Rate 1.00%	APY 1.00%
Term 9 Month Promotional Certificate*	Minimum Balance $1,000	Dividend Rate 2.97%	APY 3.00%
Term 12 Month Promotional Certificate*	Minimum Balance $1,000	Dividend Rate 2.72%	APY 2.75%
Term 12-23 Months	Minimum Balance $1,000	Dividend Rate 1.99%	APY 2.00%
Term 24-35 Months	Minimum Balance $1,000	Dividend Rate 1.99%	APY 2.00%
Term 36-59 Months	Minimum Balance $1,000	Dividend Rate 1.99%	APY 2.00%
Term 60-120 Months	Minimum Balance $1,000	Dividend Rate 1.99%	APY 2.00%
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 4/14/25. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. *These promotions are a limited time offer.

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Option Rate Term Certificate Accounts
Term	Minimum Balance	Dividend Rate	APY
Term 13-Month	Minimum Balance $1,000	Dividend Rate .15%	APY .15%
Term 24-Month	Minimum Balance $1,000	Dividend Rate .50%	APY .50%
Term 36-Month	Minimum Balance $1,000	Dividend Rate .75%	APY .75%
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 4/1/2025. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. You have a one-time option to exchange the original dividend rate for the current rate offered during the first 12 months of the original term. Restrictions apply. See Option Rate disclosure for additional information or ask our staff.

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12-Month Add-On Term Certificate Account
Term	Minimum Balance	Dividend Rate	APY
Term 12 Months	Minimum Balance $250	Dividend Rate .40%	APY .40%
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 4/1/2025. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply. You can add funds to the certificate during the term. Minimum deposit amount $100, maximum $999.99. There are no limitations on the frequency or timing of additions, except that no additions can be made in the last 7 days before maturity.

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IRA Term Certificate Accounts
Term	Minimum Balace	Dividend Rate	APY
Term 12 Months	Minimum Balace $1,000	Dividend Rate 2.97%	APY 3.00%
Term 18 Months	Minimum Balace $1,000	Dividend Rate .50%	APY .50%
Term 24 Months	Minimum Balace $1,000	Dividend Rate .75%	APY .75%
Term 60-120 Months	Minimum Balace $1,000	Dividend Rate .95%	APY .95%
Dividend Rates (Rates) and Annual Percentage Yield (APY) effective as of 4/1/2025. Rates, conditions, and terms subject to change. Certificate will automatically renew to a non-promotional like term at the dividend rate in effect at the time of renewal. Early withdrawal penalties apply.

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Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are valid as of 4/14/25 and are variable, meaning they can change without notice until a specific certificate is opened. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms. Early withdrawal penalties apply. Deposits are generally not permitted, except for the Add-On certificate which allows deposits between $100.00 and $999.99. Certificates generally renew to a like term at the dividend rate in effect at renewal. Promotional certificates, when offered, may renew to standard certificates. Refer to the individual certificate disclosure for specific information.

Mortgages

We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.

Home Equity Line of Credit
Max. Combined Loan-To-Value	Minimum Line	Maximum Line	Prime Rate	Margin	Variable APR without AutoPay	Variable APR with AutoPay*
Max. Combined Loan-To-Value Up to 70%	Minimum Line $10,000	Maximum Line $250,000	Prime Rate 7.50%	Margin 2.00%	Variable APR without AutoPay 9.50%	Variable APR with AutoPay* 9.00%
Must meet membership and account criteria. All loans subject to credit approval. Rates, terms, and conditions subject to change. Some restrictions apply. APRs effective as of 4/1/2025 and are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. The rate is variable, subject to a minimum rate of 3.99% APR and maximum rate of 15.00% APR. A $10,000 initial advance may be required. You may be required to reimburse us for closing costs if your line is closed in the first three years. *Automatic payments from a BluPeak Checking Account are required for full loan term otherwise rate will increase by 0.50%.

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Autos (Model Year 2019 and Newer)
Term	APR as low as	Maximum Loan Amount
Term Up to 24 months	APR as low as 5.49%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 36 months	APR as low as 5.59%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 48 months	APR as low as 6.09%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 60 months	APR as low as 6.19%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 72 months	APR as low as 6.39%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 84 months	APR as low as 7.39%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook

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Autos (Model Years 2015–2018)
Term	APR as low as	Maximum Loan Amount
Term Up to 24 months	APR as low as 6.49%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 36 months	APR as low as 6.59%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 48 months	APR as low as 7.09%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 60 months	APR as low as 7.19%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 72 months	APR as low as 7.39%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook
Term Up to 84 months	APR as low as 8.39%	Maximum Loan Amount Up to 125% of Vehicle's Base Invoice or Retail Kelly Bluebook

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RV and Boat Loan Rates (Model Years 2015-2025)
Loan Type	APR as low as¹	Loan Term
Loan Type New RV	APR as low as¹ 8.99% to 12.99%	Loan Term Up to 180 months
Loan Type Used RV	APR as low as¹ 9.99% to 13.99%	Loan Term Up to 180 months
Loan Type New Boat	APR as low as¹ 8.99% to 12.99%	Loan Term Up to 180 months
Loan Type Used Boat	APR as low as¹ 9.99% to 13.99%	Loan Term Up to 180 months

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Must meet membership and account criteria. All loans subject to credit approval. Rates, terms, and conditions subject to change. Some restrictions apply. APRs effective as of 4/1/2025 and are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Automatic payments from a BluPeak Checking Account are required for full loan term otherwise rate will increase by 0.50%.

Financing may include dealer service contracts, such as Guaranteed Auto Protection and Mechanical Breakdown Insurance. BluPeak also offers similar service contracts at very reasonable rates. Please call our Member Service Center at 866.873.4968.

Payment Examples: 24 monthly payments of $44.19 per $1,000 borrowed at 5.49% APR. 84 monthly payments of $15.34 per $1,000 borrowed at 7.39% APR. 180 monthly payments of $10.18 per $1,000 borrowed at 8.99% APR. Check out our calculators to calculate a payment example for your specific loan needs.

Personal Loans
Loan Type	Maximum Loan Amount	Loan Term	APR as low as
Loan Type Signature Loan	Maximum Loan Amount Up to $30,000	Loan Term Up to 96 months	APR as low as 10.49%
Loan Type Share Secured	Maximum Loan Amount Up to 100% of a BluPeak Credit Union Savings Account	Loan Term Up to 120 months	APR as low as Regular Savings Rate plus 3.00%
Must meet membership and account criteria. All loans subject to credit approval. Rates, terms and conditions subject to change. Some restrictions apply. APRs valid as of 4/1/2025 and are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Automatic payments from a BluPeak Checking Account are required for full loan term otherwise rate will increase by 0.50%. $75,000 max combined total unsecured loan limit/balances per member. 36 monthly payments of $32.65 for every $1,000 borrowed at 10.49% APR.

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