All Rates

Rates effective January 21, 2018

Personal Deposit Rates
Savings
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Account Opening Balance Minimum Balance** Interest Rate APY*
Money Market $2,500+ $2,500 0.02% 0.02%
Regular Savings $5 $100 0.02% 0.02%

Dividends are paid from current and available earnings, after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earnings on any of the accounts listed. For all Savings and Money Market Savings the prospective Dividend Rate and prospective Annual Percentage Yield are set forth above. The Dividend Rate and APY on Savings Accounts may change monthly as determined by the Board of Directors. The Dividend Rate and APY on Money Market Savings may change daily.

* APY = Annual Percentage Yield.

** Minimum balance required to earn stated APY.


Share Certificates

New certificates of deposits are not being opened at this time, rates posted are for renewals only.

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Term Opening Balance Interest Rate APY*
6 Months $1,000 0.02% 0.02%
12 Months $1,000 0.02% 0.02%
18 Months $1,000 0.02% 0.02%
24 Months $1,000 0.02% 0.02%
36 Months $1,000 0.02% 0.02%
48 Months $1,000 0.02% 0.02%
60 Months $1,000 0.02% 0.02%

There is an early withdrawal penalty on Share Certificate accounts.

The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fee's, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account.

* APY = Annual Percentage Yield.


Individual Retirement Accounts

New IRAs are not being opened at this time, rates posted are for renewals only.

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Term Opening Balance Interest Rate APY*
6 Months $100 0.02% 0.02%
12 Months $100 0.02% 0.02%
18 Months $100 0.02% 0.02%
24 Months $100 0.02% 0.02%
48 Months $1,000 0.02% 0.02%
60 Months $1,000 0.02% 0.02%

There is an early withdrawal penalty on IRA accounts.

The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fee's, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account.

* APY = Annual Percentage Yield.


Personal Loan Rates
Personal Loans
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Loan* Term Rate APR**
Community Visa Revolving 12.40% Fixed (No Annual Fee) 12.40% Fixed (No Annual Fee)
Shared Secured * Certificate & Savings 1-5 Years Dividend/Certificate Rate + 3% 3.00%
Personal Unsecured 1-4 Years 13.49% to 17.24% 13.49% to 17.24%

All loans subject to credit approval and collateral approval.

* Loan to Value, 100% Certificate (frozen), 100% Savings (frozen).

** Annual Percentage Rate (APR) is .25% higher without Automatic Payment from a SCCCU account.


Bill Consolidation Loan
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FICO Grade Rate Max Loan Amount* Max Term
740+ A+ 7.99% $25,000.00 60
700-739 A 8.99% $25,000.00 60
655-699 B 11.99% $10,000.00 48
625-654 C 13.99% $5,000.00 36

*Proceeds of loan must be paid directly to other creditors. All loans subject to credit approval.


Real Estate
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Loan Loan Amount Loan Term APR**
HELOC- Home Equity Line of Credit Up to 80% 15 Years Prime Rate + 0.74% to 3.74% APR
HELOC- Amortizing Principal & Interest Payments Up to 80% 20 Years 3.50% APR Fixed for 2 years + 1.75% APR for 18 years (No Cash Out Provision)

First Deed Trust - Click on the link to "Apply Now" then select the button "Check Rates" for a Customer Rate Quote.

**Annual Percentage Rate (APR) is .25% higher without Automatic Payment from an SCCCU account.


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FICO* Grade 36 48 60 72 84** LTV
740+ A+ 1.99% 1.99% 2.74% 3.24% 4.24% 120%
700-739 A 3.39% 3.39% 3.49% 3.99% 4.99% 115%
655-699 B 5.39% 5.39% 5.74% 5.99% 6.99% 110%
625-654 C 8.49% 8.49% 8.99% 9.49%   100%
570-624 D 11.89% 11.89% 12.89% 13.89%   90%

Up to 110% financing of Manufacturer's Suggested Retail Price (MSPR) or Retail Kelly Blue Book (RKBB) including applicable sales taxes, insurance and any other associated loan products.

*Vehicles older than 10 model years or more than 100,000 miles are subject to Credit Union approval and rate may be higher.

**84 month term is available on loans of $25,000 or more. 72 month term is available on loans of $15,000 or more.

Monthly Payment example for a loan of $10,000 at a rate of 1.99% your payment will be $262.92 for 4 years.

Motorcycles - Add 1.00% to the corresponding auto loan rates above. All loans subject to credit approval and collateral approval.

Annual Percentage Rate (APR) is .25% higher without Automatic Payment from a SCCCU account.


RV/Boat Loans
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FICO* Grade Rate**
730 A+ 7.74%
700-729 A 7.99%
650-699 B 9.99%

Up to 100% financing on new model years. Up to 90% financing on models that are 2 years or newer. Up to 80% financing on models that are 4 years or newer. Loans up to 120 months with minimum financing of $40,000. Max loan amount is $80,000. Must use NADA retail value.

*All loans subject to credit approval and collateral approval.

**Annual Percentage Rate(APR) is .25% higher without Automatic Payment from a SCCCU account.


Bike Loans
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FICO Grade 12 24 36 48 Rate Max Loan Amount*
740+ A+ 5.75% 6.25% 6.75% 6.95% $5,000
700-739 A 6.75% 7.25% 7.75% 7.95% $5,000
655-699 B 8.75% 9.25% 9.75% 9.95% $4,000
625-654 C 9.95% 10.95% 11.75% 11.95% $3,000
570-624 D 12.75% 13.55%     $2,000

Max Loan of $5,000. *Proceeds paid directly to merchant. All loans subject to credit approval and collateral.


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Park Type Loan Amount+ Annual Percentage Rates***
COOP Up to 80% 5.25% to 10.25%*
Leased Space Up to 80% 5.25% to 10.25%*
RE-Owned Up to 80% 5.25% to 10.25%*

* Loan to Value (LTV) Single Wide add 0.50% to rate.

*** Owner Occupied only. Must be sited in an approved Mobile Home Park. 20 Years old or newer. For single-wide mobile homes, add .50% APR. Annual Percentage Rate (APR) is .25% higher without Automatic Payment from an SCCCU account. 


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Term APR* Amount/LTV**
60 Months to 180 Months First 18 months interest only, rest of term principal and interest As Low as 6.00% Up to $35,000 Up to 100% financing

100% financing for installation of solar energy for your home or investment property.

All loans subject to credit approval and collateral approval. Property lien required for amounts greater than $15,000 and some recording fees apply. See Credit Union for more details.

** LTV = Loan to value