Rates

Deposit Rates

Account Type Rate APY
Regular Savings 0.050% 0.05%
Continuous Savings 0.050% 0.05%
Holiday Club 0.050% 0.05%
Vacation Club 0.050% 0.05%
Pacific Kids Club 0.050% 0.05%
Platinum Checking 0.150% 0.15%

Platinum Checking and Savings

Account Type Rate APY
Platinum Savings – Base Rate (< $50,000) 0.150% 0.15%
Platinum Savings – Base Rate ($50,000-$99,999) 0.250% 0.25%
Platinum Savings – Base Rate ($100,000+) 0.300% 0.30%
Platinum Checking 0.150% 0.15%

Health Savings and Business Accounts

Account Type Rate APY
Health Savings Accounts 0.996% 1.00%
Business Platinum Savings – Base Rate (< $50,000) 0.150% 0.15%
Business Platinum Savings – Base Rate ($50,000 – $99,999) 0.250% 0.25%
Business Platinum Savings – Base Rate ($100,000+) 0.300% 0.30%
Business Platinum Checking 0.150% 0.15%

Vehicle Loan Rates

Product Annual Percentage Rate Available Terms
New/Used Auto Loans (2011 or newer) As low as 2.74%* Up to 72 months
Fastrack New/Used Auto Loans (2011 or newer) As Low as 3.74%* Up to 84 months
Used Auto (2010 and older) As low as 3.99%* Up to 66 months
Used Auto (2010 and older) As low as 4.99%* Up to 72 months
Used Auto (2010 and older) As low as 5.99%* Up to 84 months

*APR = Annual Percentage Rate. Special rates are for a limited time only. Rates subject to change without notice. Rates include a 0.25% discount for automatic payments. Special rate not valid for refinancing existing Pacific Community Auto Loans. **New and Used Auto loans with terms over 84 month are variable rates.

Home Equity Lines/Loans Rates

Loan Type Rate APR Term
Home Equity Loan as low as 4.25%* (Fixed) as low as 4.25%* (Fixed) 0- 5 years
Home Equity Loan as low as 4.75%* (Fixed) as low as 4.75%* (Fixed) 6 – 10 years
Home Equity Loan as low as 5.25%* (Fixed) as low as 5.25%* (Fixed) 11 – 15 years
Home Equity Line of Credit – Introductory Rate as low as 2.99%** (Variable) as low as 2.99%** (Variable) 6 months
 Home Equity Line of Credit as low as 4.25%* (Variable) as low as 4.25%* (Variable) up to 15 years

*APR = Annual Percentage Rate. APR does not include fees or closing costs. All loans are subject to credit approval and actual rate received is based on your individual credit profile. Any policies, and rates stated herein are those in effect on the date of publication and are subject to change. ** Certain conditions apply for introductory rate and not everyone will qualify: call for specific details.

First Mortgage Loans

We have a wide variety of Fixed-Rate and Adjustable-Rate Real Estate Loans to fit your needs. For rates, terms and qualifications call (714) 526-2328 or (800) 656-2328.