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All Salal accounts and loans are subject to credit approval. Rates are current as of 9:30 a.m. PT on April 23, 2024, and are subject to change at any time. Fees could reduce earnings on accounts. See Consumer Product & Fee Disclosure here for details.
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Table Scrolls Right.
| PRODUCT | MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|---|
| DIRECT INTEREST | $0.00 + | 0.03% | 0.03% |
| 50+ INTEREST CHECKING | $0.00 + | 0.10% | 0.10% |
| PREFERRED INTEREST CHECKING | $0 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 + | 0.10% | 0.10% |
APY = Annual Percentage Yield. $25.00 minimum opening balance. Fees could reduce earnings on the account.
Table Scrolls Right.
| PRODUCT | MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|---|
| PRIMARY SAVINGS | $100.00 – $2,499.99 | 0.01% | 0.01% |
| $2,500.00 – $9,999.99 | 0.01% | 0.01% | |
| $10,000.00 – $24,999.99 | 0.01% | 0.01% | |
| $25,000.00 – $49,999.99 | 0.03% | 0.03% | |
| $50,000.00 – $99,999.99 | 0.03% | 0.03% | |
| $100,000.00 + | 0.05% | 0.05% | |
| EXTRA SAVINGS | $100.00 – $2,499.99 | 0.01% | 0.01% |
| $2,500.00 – $9,999.99 | 0.01% | 0.01% | |
| $10,000.00 – $24,999.99 | 0.01% | 0.01% | |
| $25,000.00 – $49,999.99 | 0.03% | 0.03% | |
| $50,000.00 – $99,999.99 | 0.03% | 0.03% | |
| $100,000.00 + | 0.05% | 0.05% | |
| YOUTH SAVINGS | $5.00 – $99.99 | 0.01% | 0.01% |
| $100.00 – $2,499.99 | 0.01% | 0.01% | |
| $2,500.00 – $9,999.99 | 0.01% | 0.01% | |
| $10,000.00 – $24,999.99 | 0.01% | 0.01% | |
| $25,000.00 – $49,999.99 | 0.03% | 0.03% | |
| $50,000.00 – $99,999.99 | 0.03% | 0.03% | |
| $100,000.00 + | 0.05% | 0.05% |
APY = Annual Percentage Yield. $5.00 minimum opening balance. Fees could reduce earnings on the account.
Table Scrolls Right.
| TERM | MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|---|
| 6 MONTHS1 | $1,000.00 – $2,499.99 | 2.47% | 2.50% |
| $2,500.00 – $9,999.99 | 2.47% | 2.50% | |
| $10,000.00 – $24,999.99 | 2.47% | 2.50% | |
| $25,000.00 – $49,999.99 | 2.47% | 2.50% | |
| $50,000.00 – $99,999.99 | 2.47% | 2.50% | |
| $100,000.00 + | 2.47% | 2.50% | |
| 9 MONTHS | $1,000.00 – $2,499.99 | 0.10% | 0.10% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.20% | 0.20% | |
| $25,000.00 – $49,999.99 | 0.25% | 0.25% | |
| $50,000.00 – $99,999.99 | 0.30% | 0.30% | |
| $100,000.00 + | 0.35% | 0.35% | |
| 12 MONTHS1, 2 | $1,000.00 – $2,499.99 | 4.84% | 4.95% |
| $2,500.00 – $9,999.99 | 4.84% | 4.95% | |
| $10,000.00 – $24,999.99 | 4.84% | 4.95% | |
| $25,000.00 – $49,999.99 | 4.84% | 4.95% | |
| $50,000.00 – $99,999.99 | 4.84% | 4.95% | |
| $100,000.00 + | 4.84% | 4.95% | |
| 18 MONTHS | $1,000.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.15% | 0.15% | |
| $25,000.00 – $49,999.99 | 0.20% | 0.20% | |
| $50,000.00 – $99,999.99 | 0.25% | 0.25% | |
| $100,000.00 + | 0.25% | 0.25% | |
| 24 MONTHS2 | $1,000.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.15% | 0.15% | |
| $25,000.00 – $49,999.99 | 0.20% | 0.20% | |
| $50,000.00 – $99,999.99 | 0.25% | 0.25% | |
| $100,000.00 + | 0.25% | 0.25% | |
| 30 MONTHS | $1,000.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.15% | 0.15% | |
| $25,000.00 – $49,999.99 | 0.20% | 0.20% | |
| $50,000.00 – $99,999.99 | 0.25% | 0.25% | |
| $100,000.00 + | 0.25% | 0.25% | |
| 36 MONTHS | $1,000.00 – $2,499.99 | 0.20% | 0.20% |
| $2,500.00 – $9,999.99 | 0.20% | 0.20% | |
| $10,000.00 – $24,999.99 | 0.20% | 0.20% | |
| $25,000.00 – $49,999.99 | 0.25% | 0.25% | |
| $50,000.00 – $99,999.99 | 0.30% | 0.30% | |
| $100,000.00 + | 0.30% | 0.30% | |
| 48 MONTHS | $1,000.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500.00 – $9,999.99 | 0.25% | 0.25% | |
| $10,000.00 – $24,999.99 | 0.25% | 0.25% | |
| $25,000.00 – $49,999.99 | 0.30% | 0.30% | |
| $50,000.00 – $99,999.99 | 0.35% | 0.35% | |
| $100,000.00 + | 0.35% | 0.35% |
APY = Annual Percentage Yield. $1,000 minimum opening balance. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
16- and 12-month CDs are not currently eligible for Salal Rewards points.
2At any time during the term of the 12- and 24-month certificates, the member may make a one-time election to adjust the rate to a new, fixed rate based on the rate currently offered for 12- and 24-month certificates.
Table Scrolls Right.
| TERM | MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|---|
| 24 MONTHS | $100.00 – $999.99 | 0.15% | 0.15% |
| $1,000.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.15% | 0.15% | |
| $25,000.00 – $49,999.99 | 0.20% | 0.20% | |
| $50,000.00 – $99,999.99 | 0.25% | 0.25% | |
| $100,000.00 + | 0.25% | 0.25% |
APY = Annual Percentage Yield. $100 minimum opening balance. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Table Scrolls Right.
| MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|
| $2,500.00 – $9,999.99 | 1.00% | 1.00% |
| $10,000.00 – $24,999.99 | 1.09% | 1.10% |
| $25,000.00 – $49,999.99 | 1.19% | 1.20% |
| $50,000.00 – $99,999.99 | 1.29% | 1.30% |
| $100,000.00 + | 1.39% | 1.40% |
APY = Annual Percentage Yield. $2,500 minimum opening balance. Fees could reduce earnings on the account. See Consumer Product & Fee Disclosure for details.
Table Scrolls Right.
| MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|
| $0 – $99,999.99 | 0.01% | 0.01% |
| $100,000.00 – $249,999.99 | 0.01% | 0.01% |
| $250,000.00 – $499,999.99 | 3.45% | 3.50% |
| $500,000.00 – $749,999.99 | 3.45% | 3.50% |
| $750,000.00 – $999,999.99 | 3.45% | 3.50% |
| $1,000,000.00 + | 3.45% | 3.50% |
APY = Annual Percentage Yield. eStatements are required to earn interest. If eStatements are discontinued, the APY will be reduced to 0.00% APY. Fees could reduce earnings on the account. See Consumer Product & Fee Disclosure for details.
Table Scrolls Right.
| TERM | MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|---|
| 6 MONTHS1 | $1,000.00 – $2,499.99 | 2.47% | 2.50% |
| $2,500.00 – $9,999.99 | 2.47% | 2.50% | |
| $10,000.00 – $24,999.99 | 2.47% | 2.50% | |
| $25,000.00 – $49,999.99 | 2.47% | 2.50% | |
| $50,000.00 – $99,999.99 | 2.47% | 2.50% | |
| $100,000.00 + | 2.47% | 2.50% | |
| 9 MONTHS | $1,000.00 – $2,499.99 | 0.10% | 0.10% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.20% | 0.20% | |
| $25,000.00 – $49,999.99 | 0.25% | 0.25% | |
| $50,000.00 – $99,999.99 | 0.30% | 0.30% | |
| $100,000.00 + | 0.35% | 0.35% | |
| 12 MONTHS1 | $1,000.00 – $2,499.99 | 4.84% | 4.95% |
| $2,500.00 – $9,999.99 | 4.84% | 4.95% | |
| $10,000.00 – $24,999.99 | 4.84% | 4.95% | |
| $25,000.00 – $49,999.99 | 4.84% | 4.95% | |
| $50,000.00 – $99,999.99 | 4.84% | 4.95% | |
| $100,000.00 + | 4.84% | 4.95% | |
| 18 MONTHS | $1,000.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.15% | 0.15% | |
| $25,000.00 – $49,999.99 | 0.20% | 0.20% | |
| $50,000.00 – $99,999.99 | 0.25% | 0.25% | |
| $100,000.00 + | 0.25% | 0.25% | |
| 24 MONTHS | $1,000.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.15% | 0.15% | |
| $25,000.00 – $49,999.99 | 0.20% | 0.20% | |
| $50,000.00 – $99,999.99 | 0.25% | 0.25% | |
| $100,000.00 + | 0.25% | 0.25% | |
| 30 MONTHS | $1,000.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $9,999.99 | 0.15% | 0.15% | |
| $10,000.00 – $24,999.99 | 0.15% | 0.15% | |
| $25,000.00 – $49,999.99 | 0.20% | 0.20% | |
| $50,000.00 – $99,999.99 | 0.25% | 0.25% | |
| $100,000.00 + | 0.25% | 0.25% | |
| 36 MONTHS | $1,000.00 – $2,499.99 | 0.20% | 0.20% |
| $2,500.00 – $9,999.99 | 0.20% | 0.20% | |
| $10,000.00 – $24,999.99 | 0.20% | 0.20% | |
| $25,000.00 – $49,999.99 | 0.25% | 0.25% | |
| $50,000.00 – $99,999.99 | 0.30% | 0.30% | |
| $100,000.00 + | 0.30% | 0.30% | |
| 48 MONTHS | $1,000.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500.00 – $9,999.99 | 0.25% | 0.25% | |
| $10,000.00 – $24,999.99 | 0.25% | 0.25% | |
| $25,000.00 – $49,999.99 | 0.30% | 0.30% | |
| $50,000.00 – $99,999.99 | 0.35% | 0.35% | |
| $100,000.00 + | 0.35% | 0.35% |
APY = Annual Percentage Yield. These certificates may be used for Roth, Traditional, or Education IRA accounts. A penalty may be imposed for early withdrawal. $1,000 minimum opening balance. Interest is compounded and credited monthly. Fees could reduce earnings on the account.
16- and 12-month IRA CDs are not currently eligible for Salal Rewards Points.
Table Scrolls Right.
| MINIMUM DAILY BALANCE REQUIREMENT | INTEREST RATE | APY |
|---|---|---|
| $100.00 – $2,499.99 | 0.01% | 0.01% |
| $2,500.00 – $9,999.99 | 0.01% | 0.01% |
| $10,000.00 – $24,999.99 | 0.01% | 0.01% |
| $25,000.00 – $49,999.99 | 0.03% | 0.03% |
| $50,000.00 – $99,999.99 | 0.03% | 0.03% |
| $100,000.00 + | 0.05% | 0.05% |
APY = Annual Percentage Yield. This savings account may be used for Roth, Traditional, or Education IRA accounts. No minimum balance required. Fees could reduce earnings on the account.
Table Scrolls Right.
| PRODUCT | APR | COMMENT | TERM4 |
|---|---|---|---|
| New vehicles have never been titled or licensed and used vehicles up to 1 year old. | 7.49% – 9.99%1 | Rates increase without automatic payment2; Rates decrease for hybrid and EV loans3. | Up to 84 months |
| Used vehicles that have been titled or licensed and are 2 years old and older. | 7.74% – 10.24%1 | Rates increase without automatic payment2; Rates decrease for hybrid and EV loans3. | Up to 84 months |
EXAMPLE PAYMENTS: New Auto: $810.86 a month based on a 60 month, $40,000.00 loan at 7.99%; Used Auto: $611.74 a month based on a 60 month, $30,000.00 loan at 8.24%.
APR = Annual Percentage Rate. Maximum term and loan-to-value based on approved credit. New vehicle value based on Manufacturer’s Suggested Retail Price. Used vehicle value based on NADA retail. Collision and comprehensive insurance required. Auto loans are available for individuals residing in CO, OR, and WA.
¹ Actual APR will be based on creditworthiness, age of vehicle, and the term of the loan. For used autos, trucks, and SUVs, add 0.50% to the APR if over 100,000 miles, and add 0.50% to the APR if over 10 years old.
² Rates for loans without automatic payment will increase by 0.25%. For example, an APR of 9.99% increases by 0.25% to 10.24%. Refer to the Credit & Security agreement for specific disclosures.
³ Hybrid and electric vehicle (auto, truck, and SUV only) loans automatically receive a 0.25% rate discount.
⁴ Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan. See Credit Union for details.
Table Scrolls Right.
| PRODUCT | YEAR | APR | COMMENT1 | TERM2 |
|---|---|---|---|---|
| BOATS & RVs | New units that have never been titled or licensed | 8.74% – 10.49% | Rates adjust without automatic payment | Up to 72 months |
| Used units that have been titled or licensed | 9.49% – 13.49% | Rates adjust without automatic payment | Up to 72 months | |
| Older than 7 years | 9.49% – 13.49% | Rates adjust without automatic payment | Up to 60 months | |
| MOTORCYCLES | New units that have never been titled or licensed | 9.99% – 13.99% | Rates adjust without automatic payment | Up to 72 months |
| Used units that have been titled or licensed | 9.99% – 13.99% | Rates adjust without automatic payment | Up to 72 months |
EXAMPLE PAYMENTS: New Boats: $720.82 a month based on a 72 month, $40,000.00 loan at 8.99%; Used Boats: $450.51 a month based on a 72 month, $25,000.00 loan at 8.99%; New Motorcycle: $429.78 a month based on a 60 month, $20,000.00 loan at 10.49%; Used Motorcycle: $214.89 a month based on a 60 month, $10,000.00 loan at 10.49%.
APR = Annual Percentage Rate. Actual APR will be based on creditworthiness and the term of the loan. Maximum term and loan-to-value based on approved credit. New boat/RV value based on Manufacturer’s Suggested Retail Price. Used boat/RV value based on NADA retail marine surveys and may be required on boats. Preferred Marine Mortgages required on boat loans above $50,000. Collision and comprehensive insurance required. Boat, RV, and motorcycle loans are available for individuals residing in CO, OR, and WA.
¹ Rates for loans without automatic payment will increase by 0.25%. Refer to the Credit & Security agreement for specific disclosures.
² Terms are based on the loan amount.
Table Scrolls Right.
| PRODUCT | APR | TERM |
|---|---|---|
| SALAL EZ LINE OF CREDIT | 13.74% – 14.34% | Revolving. |
| SALAL SIGNATURE LOAN | 11.99% – 12.59% | Up to 60 months. |
| SAVINGS SECURED LOAN | 6.50% | Secured by Salal Credit Union Savings or Money Market account. |
| CERTIFICATE SECURED LOAN | 2.50% margin over certificate rate. 6.50% minimum. | Secured by Salal Credit Union Certificate – due at Certificate maturity. IRA Certificate of Deposit not eligible. |
EXAMPLE PAYMENTS: EZ Line of Credit: $115.67 a month based on a 60 month, $5,000.00 loan at 13.74%; Signature Loan: $111.20 a month based on a 60 month, $5,000.00 loan at 11.99%. EXAMPLE PAYMENTS: Savings Secured: $97.83 a month based on a 60 month, $5,000.00 loan at 6.50%.
APR = Annual Percentage Rate. The APR on all loans without automatic payment will be 0.25% higher. Refer to the Credit and Security Agreement for specific disclosures. EZ Line of Credit, Signature, Savings Secured, and Certificate Secured loans are available for individuals residing in CO, OR, and WA.
Table Scrolls Right.
| PRODUCT | APR |
|---|---|
| CLASSIC CREDIT CARD | 13.24% – 20.99% |
| REWARDS CREDIT CARD | 15.24% – 18.74% |
| STUDENT CREDIT CARD | 18.50% |
| SECURED CREDIT CARD | 18.00% |
APR = Annual Percentage Rate. APR is determined when you open your account and is based upon your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Foreign Transaction Fee of 3% of each transaction in U.S. dollars for the Classic card, and a Foreign Transaction Fee of 1% of each transaction for the Rewards card. Cash Advance Fee of $10 or 3% of the amount of each cash advance, whichever is greater; Late Payment Fee of $30; Returned Payment Fee of $25.
Table Scrolls Right.
| PRODUCT | APR1 | TERM |
|---|---|---|
| LINE OF CREDIT – VARIABLE RATE | 9.24% – 11.49%2 | No minimum draw amount. Revolving line of credit with 10-year draw period 15-year amortization after end of draw period. |
| FIXED-RATE LOAN SEGMENTS | 5.65% – 9.65%3 | $5,000 minimum draw amount. 5, 10, and 15-year terms available. Fully amortized principal and interest payments. |
¹ APR = Annual Percentage Rate. Actual APR will be based on creditworthiness.
² Index=Wall Street Journal Prime Rate. The APR is variable and may change during the term of the loan. The minimum APR is 3.24% and the maximum APR is 18.00%.
³ 10-Yr Nominal Constant Maturity Treasury. EXAMPLE PAYMENT—Fixed-Rate Segment: $388.75 a month based on a 60-month term, $20,000 loan at 6.22% APR.
All loans subject to credit approval. Max. loan amount $100,000; Max HCLTV 60%. LTV based on approved credit and property valuation. Homeowner’s insurance required. Residential primary real estate only. Subject property must be in CA, OR, or WA state and vested in borrower’s name. Should an appraisal be a loan requirement, applicants pay half of the fee (approx. $350–$450); all other application fees are covered by Salal. Credit Union membership is required. Consult a tax advisor regarding the deductibility of interest.
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