Loan Rates

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Autos up to 6 Years Old and Under 75k miles

Autos up to 6 Years Old and Under 75k miles

TERMS Up to 78 months Up to 84 months
FIXED RATE APR * As low as 3.09% As low as 3.09%
INTEREST RATE * As low as 3.09% As low as 3.09%
MINIMUM LOAN AMOUNT $15,000 (for 78 mo. terms only) $25,000
PERCENT FINANCED 100% plus tax and license 100% plus tax and license

Autos 7 Years and Older and over 75k miles

TERMS Up to 78 months Up to 84 months
FIXED RATE APR * As low as 3.09% As low as 3.09%
INTEREST RATE * As low as 3.09% As low as 3.09%
MINIMUM LOAN AMOUNT $15,000 (for 78 mo. terms only) $25,000
PERCENT FINANCED 100% plus tax and license 100% plus tax and license

New and Used Motorcycles, ATV's, Snowmobiles

TERMS Up to 78 months Up to 84 months
FIXED RATE APR * As low as 3.09% As low as 3.09%
INTEREST RATE * As low as 3.09% As low as 3.09%
MINIMUM LOAN AMOUNT $15,000 (for 78 mo. terms only) $25,000
PERCENT FINANCED 100% plus tax and license 100% plus tax and license
New & Used Boats and RV's

New & Used Boats and RV's

25% down payment required for boats & RV's over $50,000.

Other rates and terms available for boats and RV's over 10 years old.

TERMS Up to 84 months Up to 120 months Up to 180 months
FIXED RATE APR * As low as 3.99% As low as 4.49% As low as 4.49%
INTEREST RATE * As low as 3.99% As low as 4.49% As low as 4.49%
MINIMUM LOAN AMOUNT $15,000
(for 84 mo. terms only)
$20,000 $25,000
PERCENT FINANCED 100% plus tax and license 100% plus tax and license 100% plus tax and license
Diamond VISA

Diamond VISA

INTEREST RATE * 3.99%
FIXED RATE APR * 3.99%
TERMS Payment is 3% of loan balance, minimum of $20.00.
ANNUAL FEE $12.00

3.99% for the first 18 months then 9.99% thereafter.

Classic VISA

INTEREST RATE * 9.99%
FIXED RATE APR * 9.99%
TERMS Payment is 3% of loan balance, minimum of $20.00.
ANNUAL FEE $12.00
5/1 Home Equity Line of Credit

5/1 Home Equity Line of Credit

PERCENT FINANCED 80% loan-to-value ratio
INTEREST RATE* as low as 3.99% (3)
FIXED & ADJUSTABLE RATE TERMS Fixed the first 5 years then variable annually after (3)
TERMS up to 180 months**
Signature Line of Credit Loans

Signature Line of Credit Loans

INTEREST RATE* As low as 9.90%
FIXED APR* As low as 9.90%
TERMS up to 48 months

Share Secured Loans

PERCENT FINANCED 100% of regular share balance
INTEREST RATE* As low as 3.00%
FIXED RATE APR * As low as 3.00%
TERMS 120 months

 

 

(1) Rates shown for loans and savings products are subject to change without notice.
APR = Annual Percentage Rate.

*other rates and terms may apply depending upon the individual creditworthiness of each applicant. Rate advertised assumes direct deposit with SCCU, an approved signature line of credit and 40% down payment. Signature line of credit loans are not eligible for discount for direct deposit.

** Term depends on amount financed.

***Loan amounts over $50,000 require 25% down payment.

**** Add 2% APR if collateral is 10 or more years old or has more than 100,000 miles, maximum loan 80%

(2) Minimum loan of $35,000 for 84 month financing.

(3) The index is the monthly average of the Six Month Treasury Bill Rate (Auction High). We will use January index values to determine your annual percentage rate. The rate you receive is based on certain creditworthiness factors. Ask us for the current index value, margin and annual percentage rate.