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Personal Loan Rates

Rates effective October 22, 2019

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 

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

Auto Loans
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FICO* Grade 36 48 60 72 84** LTV
740+ A+ 2.49% 2.49% 2.74% 3.24% 4.24% 120%
700-739 A 3.49% 3.49% 3.74% 4.24% 5.24% 115%
655-699 B 5.49% 5.49% 5.74% 6.24% 7.24% 110%
625-654 C 8.49% 8.49% 8.74% 9.24%   100%
570-624 D 11.99% 11.99% 12.24% 13.24%   90%

Up to 120% 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 120,000 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 2.49% your payment will be $219.10 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.

Mobile Homes – Double Wide
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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. 

Solar Loans
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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