***Terms and Conditions Apply. This offer is subject to change without notice. (*) $300 Cash Bonus is a limited time offer.   Eligibility for the $300 cash bonus is only available to new credit union members, and requires opening a new checking account and savings account, setting up a direct deposit of at least $500 per month, membership eligibility and completing three debit card transactions within 60 days of account opening.  The account must be in good standing to receive the bonus.  The direct deposit must be from the City and County of San Francisco, or a preapproved external source (e.g. payroll, pension, government benefits.) Qualifying transactions exclude ATM withdrawals and must post and clear the account within the 60-day period. The $300 bonus will be credited to your account within 90 days of meeting all criteria. Bonuses are considered interest and may be reported on IRS Form 1099-INT.

(**) Annual Percentage Rates. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. Qualifying loans for this offer include auto purchases financed by another financial institution. A 0.50% rate reduction will be applied to the qualifying loan’s current interest rate, with a minimum floor rate of 5.50%. Offers are subject to credit approval and may change without notice. Rates, terms, and conditions are subject to change at any time.