Rates FAQ

SCCCU is committed to helping you get the loan you need. the rates listed below are annual percentage rates and are a guide used to make loans.

 
FICO Range 54 Months 66 Months 75 Months* 84 Months** LTV+
730+ 2.74% 3.24% 3.74% 3.99% 120%
700-729 3.24% 3.99% 4.49% 4.74% 115%
675-699 3.74% 4.49% 4.99% 5.24% 110%
650-674 4.74% 5.49% 5.99% 6.24% 110%
625-649 6.74% 6.99% 7.49% 7.74% 105%
600-624 8.74% 8.99% 12.49%   105%
575-599 10.74% 11.49%     100%
499-574 17.99% 18.99%     90%

 

Used Auto Loan Rates: add .50% to the stated rate above for vehicles 5+ years old and 1% for vehicles 10+ years old or 100,000 miles or more. *Minimum loan amount of $15,000 required and not available to all credit types. **Minimum loan amount of $25,000 required and not available to all credit types. +LTV = Loan to Value. Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelly Blue Book (RKBB) including applicable sales taxes, insurance and any other associated loan products. Auto Loan Payment Example: 54 monthly payments of $19.71 for every $1,000 borrowed at 2.74%.

FICO Range 54 Months 66 Months 75 Months* 84 Months** LTV+
730+ 2.74% 3.24% 3.74% 3.99% 120%
700-729 3.24% 3.99% 4.49% 4.74% 115%
675-699 3.74% 4.49% 4.99% 5.24% 110%
650-674 4.74% 5.49% 5.99% 6.24% 110%
625-649 6.74% 6.99% 7.49% 7.74% 105%
600-624 8.74% 8.99% 12.49%   105%
575-599 10.74% 11.49%     100%
499-574 17.99% 18.99%     90%

 

Used Auto Loan Rates: add .50% to the stated rate above for vehicles 5+ years old and 1% for vehicles 10+ years old or 100,000 miles or more. *Minimum loan amount of $15,000 required and not available to all credit types. **Minimum loan amount of $25,000 required and not available to all credit types. +LTV = Loan to Value. Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelly Blue Book (RKBB) including applicable sales taxes, insurance and any other associated loan products. Auto Loan Payment Example: 54 monthly payments of $19.71 for every $1,000 borrowed at 2.74%.

FICO Range 54 Months 66 Months 75 Months* 84 Months** LTV+
730+ 2.74% 3.24% 3.74% 3.99% 120%
700-729 3.24% 3.99% 4.49% 4.74% 115%
675-699 3.74% 4.49% 4.99% 5.24% 110%
650-674 4.74% 5.49% 5.99% 6.24% 110%
625-649 6.74% 6.99% 7.49% 7.74% 105%
600-624 8.74% 8.99% 12.49%   105%
575-599 10.74% 11.49%     100%
499-574 17.99% 18.99%     90%

 

Used Auto Loan Rates: add .50% to the stated rate above for vehicles 5+ years old and 1% for vehicles 10+ years old or 100,000 miles or more. *Minimum loan amount of $15,000 required and not available to all credit types. **Minimum loan amount of $25,000 required and not available to all credit types. +LTV = Loan to Value. Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelly Blue Book (RKBB) including applicable sales taxes, insurance and any other associated loan products. Auto Loan Payment Example: 54 monthly payments of $19.71 for every $1,000 borrowed at 2.74%.