Rates current as of August 1, 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 3.27%

49 - 63 mo. 3.47%

64 - 75 mo. 3.67%




76 - 84 mo. 5.97%



25,000 miles to 99,999 miles Up to 130% of Retail - see below3
48 mo. or less 3.97%

49 - 63 mo. 4.07% 




64 - 75 mo. 4.77%



100,000 miles and greater Up to NADA Retail - see below3
48 mo. 5.67%

49 - 63 mo. 5.87%

64 - 75 mo.
6.47%

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.