IMPORTANT - We will be performing system maintenance from 9 p.m. on Saturday, September 25, through 1 a.m. on Sunday, September 26. Online banking, mobile banking, and our 24-hour telephone teller will not be available; however, you can access your accounts using an ATM. We're sorry for any inconvenience this may cause.

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%.