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Rates current as of August 18, 2023.

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. 10.00%

36 mo. 10.25%

48 mo. 10.50%

60 mo. 10.75%

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 135% of Retail - see below3



48 mo. or less 6.00%

49 - 63 mo. 6.25%

64 - 75 mo. 6.45%

76 - 84 mo. 7.85%



25,001 miles to 99,999 miles Up to 130% of Retail - see below4
48 mo. or less 6.85%

49 - 63 mo. 7.15% 

64 - 75 mo. 7.35%

76-84 mo. 8.30%



100,000 miles to 150,000 miles Up to 100% of Retail - see below5
48 mo. 9.25%

49 - 60 mo. 9.45%

61 - 72 mo.
9.90%



150,001 miles to 200,000 miles Up to 100% of Retail - see below5
48 mo.
9.65%

49 - 60 mo.
9.90%

3 - UP TO 135% (depending upon credit score) of NADA Retail value or MSRP, whichever is less (includes tax, tag, title, warranty, optional products, and optional insurance with a maximum of 20% of MSRP or NADA Retail Value or $6,000, whichever is greater, Plus GAP)

4-UP TO 130% (depending upon credit score) of NADA Retail value or Purchase Price, whichever is less (includes tax, tag, title, warranty, optional products, and optional insurance with a maximum of 20% of MSRP or NADA Retail Value or $6,000, whichever is greater, Plus GAP)

5- UP TO 100% (depending upon credit score) of NADA Retail value or Purchase Price, whichever is less, plus (tax, tag, title, warranty, optional products, and optional insurance with a maximum of $8,000, Plus GAP)


Motorcycles

LOAN TERM APR
New Motorcycles (as low as):


1200 cc's & up - Never Titled



36 mo. 7.25%

48 mo. 7.75%

60 mo. 8.25%

72 mo. 8.75%

84 mo. 9.25%



Used Motorcycles (as low as):


1200 cc's & up - Year models '17 to current



36 mo. 8.25%

48 mo. 8.75%

60 mo. 9.25%

72 mo. 9.75%

Recreational Vehicles

LOAN TERM APR
New Recreational Vehicles
(as low as):


Motor Homes - Never Registered or Titled
Includes: travel trailers & 5th wheels



Up to 60 mo. 7.50%

Up to 84 mo. 7.75%

Up to 120 mo. 8.00%
Used Recreational Vehicles
(as low as):


Year models '13 to current



Up to 60 mo. 10.50%

Up to 84 mo. 10.50%

Boats

LOAN TERM APR
New Boats (as low as):


Never registered or titled Up to 60 mo. 6.50%

Up to 84 mo. 6.80%

Up to 120 mo. 7.00%
Used Boats (as lows as):


Year models '13 to current



Up to 60 mo. 10.50%

Up to 84 mo.
10.50%
Must be 10ft or greater


Other Secured Vehicles

LOAN TERM APR
Other Secured - New
(as low as):
See below4



Up to 24 mo. 10.25%

Up to 36 mo. 10.50%

Up to 48 mo. 10.75%
Other Secured - Used
(as low as):
See below4



Up to 24 mo. 10.25%

Up to 36 mo. 10.50%

Up to 48 mo. 10.75%
4- Other Secured: motorcycles <1200 CC's; personal watercraft; ATV's; campers; also motorcycles >1200 CC's; boats; & RV's older than model years listed (model year's updated 01/2023)

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


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.