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|Auto Loans:||3.25% APR|
|Fixed mortgage:||3.488% APR|
|Adjustable mortgage:||2.935% APR|
|$500 certificate:||1.56% APY|
|$10,000 certificate:||1.61% APY|
|$75,000 certificate:||1.61% APY|
Member Loan Services Hot Deals!
From time to time we will offer repossessed vehicles ("repos") or homes for sale to the public - both members and non-members of the credit union. Following are our current bidding opportunities. Please read below for more information on making a bid, or for more information on any vehicle, please contact our Collections department at (707) 445-8801, ext. 260.
Want to receive updates whenever we post new vehicles? If you're an E-Statements user, you can subscribe to email notifications. Just log in to online banking and select "E-Services," then "Information Alerts." Check the box next to Hot Deals Vehicle Updates, and press OK - you'll begin receiving alerts as soon as a new opportunity is available!
Vehicles For Sale
There are currently no vehicles available for bidding.
Please check back soon for updates!
Please return the form to our McKinleyville Central location (1968 Central Avenue) by the posted closing time. No faxed bids will be accepted.
Terms and Conditions
Upon delivery to the credit union, an appraisal was done to determine book value and general condition of the vehicle. If deemed necessary to improve marketing of the auto, it will be sent out for cleaning/detailing. Only rarely will actual mechanical work be done to the auto. Vehicles will be bid upon and sold in an "AS-IS" condition. All bids will be sealed by the bidder.
Potential bidders are encouraged to have a mechanic inspect the vehicle, as the credit union is not in a position to warranty the vehicle's condition. Further, bidders are advised to verify listed options prior to bidding.
A closing date will be set when bids will close. This will normally be noon Friday at least two weeks from the time the vehicle is first available for inspection and bids. If deemed necessary to increase bids, a newspaper ad may be run.
Upon close of bidding, all bids will be opened together. If the bidding process produces a bid that is determined to be acceptable by the credit union, the high bidder will be notified of the acceptance of his or her bid, and a time set to conclude the sale. If no bids are considered satisfactory, based on the value of the vehicle, the Collection Department may start the bidding process over or send the auto to an auction.
Due to the number of bidders on certain autos, the credit union will not contact all bidders that their bid was not accepted, except in the case that no bid is accepted. The bidding and sale process can be interrupted without notice to bidders if the original borrower (1) brings the loan current or otherwise cures the delinquency, or (2) files bankruptcy before the sale is completed. In either case all bidders will be notified that outside events have canceled the sale.