Rates current as of January 8, 2019.
Secured Loans
| LOAN | TERM | APR |
|---|---|---|
| Share Secured | To 60 mo. | see below1 |
| Certificate of Deposit Secured | Maturity of Certificate |
see below 2
|
1 - The terms of this type of loan should not exceed five years (60 months) with the interest rate being a variable rate based on the rate being paid by SCCU, plus 2.0%.
2 - The interest rate of this type of loan is the rate being paid by SCCU, plus 2.0%.
Personal Loans
| LOAN | TERM | APR |
|---|---|---|
| Personal (as low as): | ||
| 24 mo. | 8.49% | |
| 36 mo. | 8.49% | |
| 48 mo. | 8.49% | |
| 60 mo. | 8.49% |
Credit Cards
| LOAN | TERM | APR |
|---|---|---|
|
Visa Gold
(Min. $5,000, max. $15,000)
|
Revolving | 12.00% |
|
Visa Classic
(Max. $4,000)
|
Revolving | 12.50% |
|
Visa Believe Card
(Min. $5,000)
|
Revolving | 12.00% |
Vehicles
| LOAN | TERM | APR |
|---|---|---|
|
New and Used Vehicles
(as low as):
Up to 25,000 miles Up to 130% of Retail - see below3
|
||
| 48 mo. or less | 3.50% | |
| 49 - 63 mo. | 3.70% | |
| 64 - 75 mo. | 3.90% | |
| 84 month only for values greater than $25,000 | 76 - 84 mo. | 6.20% |
| 25,000 miles to 99,999 miles Up to 130% of Retail - see below3 |
48 mo. or less | 4.20% |
| 49 - 63 mo. | 4.30% | |
| 72 month only for values greater than $20,000 |
64 - 75 mo. | 5.00% |
| 100,000 miles and greater Up to NADA Retail - see below3 |
48 mo. | 5.90% |
| 49 - 63 mo. | 6.10% | |
| 64 - 75 mo. |
6.70%
|
3 - 130% of NADA Retail value or MSRP (includes tax, tag, title, warranty, optional products, and optional insurance) - (GAP NOT INCLUDED)
Motorcycles
| LOAN | TERM | APR |
|---|---|---|
| New Motorcycles (as low as): |
||
| 1200 cc's & up - Never Titled |
||
| 24 mo. | 4.95% | |
| 36 mo. | 4.95% | |
| 48 mo. | 5.45% | |
| 60 mo. | 5.95% | |
| 72 mo. | 6.45% | |
| 84 mo. | 6.95% | |
| Used Motorcycles (as low as): |
||
| 1200 cc's & up - Year models '10 to current |
||
| 24 mo. | 5.95% | |
| 36 mo. | 5.95% | |
| 48 mo. | 6.45% | |
| 60 mo. | 6.95% | |
| 72 mo. | 7.45% |
Recreational Vehicles
| LOAN | TERM | APR |
|---|---|---|
|
New Recreational Vehicles
(as low as):
|
||
|
Motor Homes - Never Titled
Includes: travel trailers, 5th wheels, and motor homes
|
||
| Up to 60 mo. | 6.75% | |
| Up to 84 mo. | 7.00% | |
| Up to 120 mo. | 7.25% | |
|
Used Recreational Vehicles
(as low as):
|
||
| Year models '10 to current |
||
| Up to 60 mo. | 7.75% | |
| Up to 84 mo. | 8.00% |
Boats
| LOAN | TERM | APR |
|---|---|---|
| New Boats (as low as): |
||
| Up to 60 mo. | 5.40% | |
| Up to 84 mo. | 5.40% | |
| Up to 120 mo. | 5.40% | |
| Used Boats (as lows as): |
||
| Year models '10 to current |
||
| Up to 60 mo. | 7.75% | |
| Up to 84 mo. | 7.75% |
Other Secured Vehicles
| LOAN | TERM | APR |
|---|---|---|
|
Other Secured - New
(as low as):
See below4
|
||
| Up to 24 mo. | 7.95% | |
| Up to 36 mo. | 8.20% | |
| Up to 48 mo. | 8.45% | |
|
Other Secured - Used
(as low as):
See below4
|
||
| Up to 24 mo. | 7.95% | |
| Up to 36 mo. | 8.20% | |
| Up to 48 mo. | 8.45% |
4 - Motorcycles under 1200 cc, personal watercraft, ATVs, campers, as well as motorcycles, boats, and RVs older than the model year listed.
Mortgage & Property Loans
| LOAN | TERM | APR |
|---|---|---|
|
Mortgage Loans
|
||
| Residential 80% LTV Max (as low as): |
5 yrs. | See rates here |
| 7 yrs. | See rates here |
|
| 10 yrs. | See rates here |
|
| 15 yrs. | See rates here |
|
| Adjustable Rate Mortgages (ARMs): |
5/1 ARM | See rates here |
| 7/1 ARM | See rates here |
|
| 10/1 ARM | See rates here |
|
|
Unimproved Property
(80% LTV Max):
|
||
| 5 yrs. | See rates here | |
| 7 yrs. | See rates here |
|
| 10 yrs. | See rates here |
|
| Investment Property Loans |
See a loan officer for your rate |
Member Business Loans
Please see a loan officer for rates and terms on Member Business Loans. Contact us, find your closest branch, or check if you're eligible for membership.
All loan rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of the member's credit, and term selected. Actual rates could vary. Ask the credit union for the rate for which you qualify.
