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Rates current as of March 15, 2025.
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 below
|
||
| 48 mo. or less | 4.95% | |
| 49 - 63 mo. | 5.00% | |
| 64 - 75 mo. | 5.50% | |
| 76 - 84 mo. | 6.40% | |
| 25,001 miles to 99,999 miles Up to 135% of Retail - see below |
48 mo. or less | 5.95% |
| 49 - 63 mo. | 6.00% | |
| 64 - 75 mo. | 6.45% | |
| 76-84 mo. | 7.25% | |
|
|
||
|
100,000 miles to 125,000 miles Up to 120% of Retail - see below
|
48 mo. | 6.90% |
| 49 - 60 mo. | 7.00% | |
| 61 - 72 mo. |
7.50%
|
|
|
|
||
|
125,001 miles to 200,000 miles Up to 120% of Retail - see below
|
48 mo. |
7.00%
|
|
|
49 - 60 mo.
|
7.15%
|
Max Backend – 20% of MSRP or the NADA Retail or $7,000, whichever is less (SCCU GAP in addition).
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.