Everyone deserves a little credit. Scenic Community Credit Union offers a wide range of affordable loans, lines of credit, and credit cards designed to help you manage life’s challenges, take advantage of new opportunities, and plan confidently for the future.
Whether you’re buying a home, financing a vehicle, consolidating debt, or building credit, our local lenders are here to help you choose the loan that fits your goals.
Mortgage & Property Loans
Mortgage Loans
Achieve the dream of homeownership and build long-term equity with a SCCU mortgage. We offer a variety of mortgage options to meet your needs, and you don’t need to be a member to apply.
- Competitive interest rates
- Fixed- and adjustable-rate options
- Flexible terms to match your financial goals
- Access the CFPB’s Mortgage Shopping Toolkit to help you compare options
Home Equity Lines of Credit (HELOC)
Your home is one of your most valuable assets. A HELOC allows you to borrow against the equity you’ve built, giving you flexible access to funds for expenses like education costs, home improvements, or unexpected needs.
- Borrow only what you need, when you need it
- Pay interest only on the amount you use
- Typically lower rates than credit cards
Unimproved Property Loans
Planning to build in the future or invest in land today? An Unimproved Property Loan allows you to purchase eligible land now, even if construction is still down the road.
- Property must have utilities and road access with no existing structures
- Option to roll your loan into a future construction loan
- Secure your land investment now and plan ahead
Investment Property Loans
If you’re purchasing a rental property or planning a real estate investment, an Investment Property Loan offers financing flexibility without the complexity of a business loan.
- Eligible for single 1–4 family residential properties
- Qualification similar to a standard mortgage loan
- Potential for lower rates and possible tax advantages**
Learn More Apply for a Home Loan
Vehicle Loans
Auto Loans (Direct & Indirect)
Make SCCU your first stop for new or used vehicle financing. Apply directly with us or work with one of our trusted dealership partners across Tennessee and North Georgia.
- Loan terms up to 84 months for newer vehicles and 72 months for older models
- GAP insurance and extended warranty options available
- Refinance your existing auto loan from another lender
Motorcycle Loans
Hit the open road with affordable motorcycle financing. SCCU offers the same great service and features as our auto loans for qualifying new and used motorcycles.
- Terms up to 84 months for newer motorcycles
- Terms up to 72 months for used motorcycles (2015 or newer)
- Smaller bikes may qualify under secured loan options
Personal Watercraft Loans
Make summer memories with financing for new or used personal watercraft. SCCU’s competitive rates help make fun on the water more affordable.
- Terms up to 120 months for new watercraft
- Terms up to 84 months for used watercraft (2015 or newer)
- Enjoy the same great features as our auto and motorcycle loans
Recreational Vehicle Loans
Travel on your terms with financing for new or used RVs. Whether it’s weekend getaways or extended adventures, SCCU helps you hit the road with confidence.
- Terms up to 120 months for new RVs
- Terms up to 84 months for used RVs (2015 or newer)
- Competitive rates and flexible repayment options
Learn More Apply for a Vehicle Loan
Personal Loans
Personal Loans
Personal loans give you the flexibility to handle life’s expenses — planned or unexpected. With no collateral required, these loans can be used for almost any purpose.
Common uses include:
- Debt consolidation
- Medical bills
- Home repairs
- Major purchases
- Unexpected expenses or vacations
Loan features:
- Competitive rates
- Flexible repayment terms from 24–60 months
- Fixed or variable-rate options available
Share Secured Loans
Share secured loans offer a practical way to borrow while building or rebuilding your credit. By using funds in a savings account or certificate of deposit as collateral, you can access affordable financing while keeping your savings intact.
Common uses include:
- Building or rebuilding credit
- Establishing a positive payment history
- Accessing lower borrowing rates
- Gaining experience with installment loan repayment
Loan features:
- Loan terms up to 60 months
- Variable interest rate based on SCCU’s dividend rate plus 2.0%
- Savings account or certificate of deposit used as collateral
- Continue earning dividends on your savings during repayment
Learn More Apply for a Personal Loan
Credit Cards
VISA® Gold
A simple, low-rate credit card designed for everyday purchases and debt consolidation.
- Low 12% APR*
- No annual fee
- No cash advance or balance transfer fees
VISA® Classic
A great option for building or improving credit, with both secured and unsecured options available.
- Credit limits from $300–$4,000
- Low 12.5% APR*
- No annual fee
Children’s Hospital Card
Support Children’s Hospital at Erlanger every time you use your card.
- A portion of interest supports local care
- No annual fee
- No cash advance or balance transfer fees
- Low 12% APR*
Learn More Apply for a Credit Card
Loan Resources
GreenPath Financial Wellness
Enjoy access to certified financial counselors who will empower you to achieve your financial goals.
Skip-a-Payment
Eligible members may skip up to two loan payments per year for a small fee.
Loan Rates
View current rates for personal loans, share secured loans, auto loans, and credit cards.
TruStage Insurance
Protect what matters most with discounted home and auto insurance for SCCU members.
How to Apply for a Loan
Current and future members can apply for most loans online, by phone, or in person at a Scenic Community Credit Union branch. Please have your valid ID and Social Security number available when applying.
Some loan types require additional steps:
- Mortgage Loans: We recommend speaking with a loan officer before applying.
- HELOCs: Please contact a loan officer to begin the process.
Read What Others Are Saying
I have always been very pleased with their service and how helpful the staff has always been.”
Loan FAQs
What types of loans does SCCU offer?
Scenic Community Credit Union offers a wide range of loan options to meet different financial needs. These include secured and unsecured personal loans, share secured loans, mortgage loans, home equity lines of credit (HELOCs), unimproved property loans, investment property loans, auto loans, and loans for motorcycles, recreational vehicles, and personal watercraft. Members can also access credit through our VISA® credit card options.
How do I apply for a loan?
You can apply for most loan programs online through our digital banking services, by phone, or in person at any Scenic Community Credit Union branch. In some cases, you may begin your application before becoming a member. If you are considering a mortgage or home equity line of credit, we encourage you to speak with one of our local loan officers to discuss your goals and next steps.
What do I need to apply for a loan?
To apply for a loan, you will typically need a valid government-issued ID and Social Security number. Depending on the loan type, you may also be asked to provide documents such as recent pay stubs, tax returns, bank statements, or other information related to your income, employment, expenses, and existing debts.
How are loan rates determined?
Loan rates are based on several factors, including your credit history, income, debt-to-income ratio, loan amount, and selected repayment term. For home and vehicle loans, the size of your down payment may also affect the rate you qualify for. All rates and terms are subject to change and vary based on individual eligibility.
How long does loan approval take?
All loans are processed locally at Scenic Community Credit Union. This allows our lending team to take the time to understand your financial goals and make thoughtful lending decisions. While timelines vary by loan type, many applications are reviewed and decided within a few business days.
Do I need to be a member to get a loan?
Yes, you must be a member of Scenic Community Credit Union to receive a loan. However, you may be able to start an application before completing membership. You are eligible to join if you live, work, worship, volunteer, or attend school in the following areas:
- Hamilton, Sequatchie, or Marion Counties in Tennessee
- Catoosa, Walker, or Dade Counties in Georgia
Immediate family or household members of eligible individuals may also qualify, as well as certain businesses and organizations.
Can I refinance an existing loan?
Yes. Scenic Community Credit Union offers refinancing options for home loans, vehicle loans, and personal loans originally financed through another lender. Refinancing may help lower your rate, reduce your monthly payment, or simplify your finances.
Explore More Accounts
Checking Accounts
Manage your money your way with flexible checking options, including interest-bearing accounts and specialized accounts for veterans and members age 55 and over.
Individual Retirement Accounts (IRA)
Prepare for the future with Traditional, Roth, or Coverdell Education IRAs designed to support your retirement and education savings goals.
Savings Accounts
Grow your savings with free accounts, money market options, special savings accounts, or competitive Share Certificates.
*APR - Annual Percentage Rate
**Please consult with a qualified tax professional to determine any tax advantages