Mechanics Bank: Point Richmond Office

4 West Richmond Avenue
Point Richmond, CA 94801

Notable Rates	Vs. Others
Savings 0.01%	4.60% →
1-Year CD 0.15%	4.59% →
2-Year CD 0.25%	4.10% →
5-Year CD 0.75%	4.00% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

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Your Location:
Commerce City,Colorado

Mechanics Bank : Point Richmond Office — distance 947.84 mi

Deposit Rates - October 31, 2025

Savings and Money Market Rates	APY	MIN	MAX
Savings	0.01%	$2,500	$4,999	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.05%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.05%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.15%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.15%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.25%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.25%	$100,000	$199,999	Learn More Reviews
30 Mo CD	0.25%	$10,000	$14,999	Learn More Reviews
30 Mo CD	0.25%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.45%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
48 Mo CD	0.45%	$10,000	$14,999	Learn More Reviews
48 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
60 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
60 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews

Loan Rates - October 31, 2025

There are currently no loan rates available for Mechanics Bank:Point Richmond Office

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 1881674	5.860%	5.750% 0.88 points $3,850 fees	$1,868	Learn More
NMLS ID: 1025894	6.227%	6.125% 0.88 points $3,500 fees	$1,945	Learn More
NMLS ID: 1907		points fees		Learn More

See More Mortgage Rates →

Featured - California Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

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