Affordable financing for all of life's adventures.

* APR = Annual Percentage Rate. The APR on all loans without automatic payment will be 0.25% higher. Refer to the Promissory Note Security Agreement and Loan Disclosure, Line of Credit Agreement, or Credit Card Agreement for specific disclosures. Rates are current as of 9:30 a.m. PT on November 20, 2024. All Salal loans are subject to credit approval.

‡ Auto, boat, RV, motorcycle, Signature, Savings Secured, and CD Secured loans and EZ Line of Credit 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. 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.

² 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.

³ Does not include 1st mortgages, credit cards, EZ Line of Credit, loans through our Dealer Direct program, savings secured and certificate secured loans.

⁴ 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.

⁵ Terms are based on the loan amount.

⁶ Loan due at certificate maturity; IRA CDs not eligible.

⁷ Loan amount and HELOC combined loan-to-value (HCLTV) subject to occupancy status: 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. For variable rate line of credit: 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%. For fixed-rate segments: $5,000 minimum draw amount; 5, 10, and 15-year terms available; Fully amortized principal and interest payments.

⁸ Salal Rewards points must be redeemed at time of application for Custom Fit Home Equity Line of Credit. Salal Rewards points must be redeemed at time of request for a fixed-rate loan segment in Custom Fit Home Equity Line of Credit.

EXAMPLE PAYMENTS:

⁹ New Auto: $796.59 a month based on a 60 month, $40,000.00 loan at 7.24%; Used Auto: $601.00 a month based on a 60 month, $30,000.00 loan at 7.49%.

¹⁰ 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%.

¹¹ Signature Loan: $111.20 a month based on a 60 month, $5,000.00 loan at 11.99%.

¹² Savings Secured: $97.83 a month based on a 60 month, $5,000.00 loan at 6.50%.

¹³ EZ Line of Credit: $115.67 a month based on a 60 month, $5,000.00 loan at 13.74%;

¹⁴ Custom Fit HELOC: $388.99 a month based on a 60 month, $20,000.00 loan at 6.25%.