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Consumer Loans

Find a Loan Tailored to Your Needs

Whether you’re in the market for a new car, remodeling your home or looking for extra money for college, we have the loan you need. At Cal National Bank, our relationship bankers will take the time to help you find the right loan with the best rates and terms. To learn more about the products and services listed below, contact us at 866-42-SWITCH.

Home Equity Line of Credit

Our Home Equity Line of Credit with a variable rate as low as Prime minus .50% APR* is an easy way to get the cash you need for just about anything you want to do. It comes with all these great benefits:

  • NO application fee
  • No Lender Closing Costs
  • NO appraisal fee
  • NO annual fee
  • BankRewards® points—one point for every $1 in Home Equity Card purchases
  • A Home Equity Card, for convenient access to your line of credit wherever Visa® is welcomed. Or access your line by writing a check—it’s your choice.
  • Interest may be tax deductible**

Already have a line of credit elsewhere? It’s easy to switch. And, we’ll even reimburse you to cover any early closure fee up to $500 when you bring your existing line to us.***

Fixed Rate Home Equity Loans

Use our Fixed Rate Home Equity Loans to put your house to work for you by using the equity in your home to help pay for home improvements, debt consolidation, education or any worthwhile purpose.

Our traditional Equity Loans carry a fixed rate for the term of the loan and are secured by the owner’s primary residence. Monthly principal and interest are fully amortized over the term of the loan – there is no balloon payment. There are no application fees, no appraisal fees and no lender closing costs.

Your home must be owner-occupied to qualify for a Home Equity Loan. The maximum loan amount is based on a percentage of the property’s appraised value less any existing liens. Interest paid on your Home Equity Loan may be tax deductible. Consult your tax advisor for details.

CD Secured Loans

We also make personal loans secured by property other than real estate or automobiles. If you have a Certificate of Deposit issued by our bank, you can borrow up to 100% of the amount.

Overdraft Protection

Overdrafts happen. Avoid the embarrassment and costs of bounced checks with your choice of overdraft protection. If your checking account runs short, cash can be automatically transferred over from:

  • Your Cal National savings account.
  • A Cal National line of credit of up to $3,000.

*Annual Percentage Rate (APR) is a variable rate based on the Prime Rate published in the Wall Street Journal-Western Edition plus or minus a margin. APR is subject to change monthly. As of 4/30/08, Prime Rate is 5.00%. California National Bank rates range from Prime minus 0.50% to Prime plus 0.50%, resulting in corresponding variable APRs currently ranging from 4.50% to 5.50%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, combined loan to value and line amount. The maximum APR is 18% and the minimum APR is 4.00%. The minimum line amount is $5,000. No closing costs on lines under $500,000 or when at least 20% of the line is drawn at closing for lines $500,000 or more; line amounts $500,000 or more with less than 20% drawn at closing will incur closing cost fees ranging from $350 to $2,000. An early termination fee of $495 is assessed if the line is paid off and closed within 24 months of loan date. Subject to credit approval and property valuation. Program terms and conditions are subject to change at any time without notice. Property insurance is required and flood insurance may be required. The APR applies to owner occupied 1-4 family residential or condominium properties and must be secured by first or second deed of trust.

** Consult your tax advisor regarding the tax deductibility of interest.

***California National will reimburse the borrower up to $500.00 if they are required to pay a competitor's early closure fee when they transfer their home equity line to us. Reimbursement requires proof of payment and balance transfer of $25,000 or greater at time of closing. One reimbursement per household. See branch for details.