NEW TEMPORARY BRANCH HOURS - 11AM–5PM starting Tuesday, March 31st. If you are unable to conduct essential banking needs during this new schedule of hours, please call us for an appointment – 831-425-7708
Please know that 24/7 convenient access is available to your accounts: ATMs, mobile phone, internet banking and bill pay options.
Rates effective March 30, 2020
Vehicles older than 10 model years or more than 120,000 miles are subject to Credit Union approval and rate may be higher. All loans subject to credit approval and collateral approval.
*Annual Percentage Rate (APR) is .25% higher without Automatic Payment from a SCCCU account. **84 month term is available on loans of $25,000 or more. 72 month term is available on loans of $15,000 or more. † Loan to Value (LTV). 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.
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.
All loans subject to credit approval.
*Maximum Loan to Value of all real estate loans held on property. **Annual Percentage Rate (APR) is .25% higher without Automatic Payment from an SCCCU account. ⁺WSJ Prime Rate is 3.25%. as of 3/17/2020. Interest Rate Cap/Ceiling – 18.000% APR.
Owner Occupied only. Must be sited in an approved Mobile Home Park. Age of mobile home must be 20 Years old or newer.
* Annual Percentage Rate (APR) is .25% higher without Automatic Payment from an SCCCU account. Final APR determined by the age of the home and the FICO credit score. For single-wide mobile homes, add .50% to APR. ** Loan to Value (LTV) based on age of home and FICO credit score.
Financing for solar energy installation available on owner-occupied or investment properties. 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.
* Annual Percentage Rate (APR). APR determined by FICO credit score at the time of application. First 18 months of loan payments are interest-only.
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. All loans subject to credit approval and collateral approval.
*Annual Percentage Rate (APR) is .25% higher without Automatic Payment from a SCCCU account. ** 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.
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.
Proceeds of loan must be paid directly to other creditors. All loans subject to credit approval.
*Available terms – 36–60 Months; determined by FICO credit score at the time of application. †Maximum Loan Amounts $5,000–$25,000; determined by FICO credit score at the time of application.
Proceeds paid directly to merchant. All loans subject to credit approval and collateral.
* Annual Percentage Rate (APR) determined by FICO credit score at the time of application. ** Maximum Loan Amounts $5,000–$25,000; determined by FICO credit score at the time of application
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