Why Borrow With SCCCU?
- It’s easy to apply online, in person or by phone.
- Count on great personal service and local decision-making by lenders who genuinely care.
- If you’ve had issues with credit in the past or need help building credit, we have low-cost options available.
Buy Your Ride.
Buy your next car, truck, or SUV with a low rate and monthly payment that fits your budget.
Features
Competitive low rates from 4.99% for new and used vehicles
Low credit financing offered — up to 120% financing is available
Terms up to 84 months
0.25% rate discount when you repay your loan automatically
Manage your loan online 24/7 and make payments
Financing also available for boats/RVs
Quick and easy approvals online — get pre-approved before you shop
Find a car online or at a local partner dealer. Get Started.
Terms & Requirements
Used Auto Loan Rates: add .50% to the stated new auto loan rate for vehicles 5+ years old; add 1% for vehicles 10+ years old or 100,000 miles or more
For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)
For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)
Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelley Blue Book (RKBB), including applicable sales taxes, insurance, and other associated loan products
We’ll get you out on the open road sooner.
Features
Competitive rates for new and used motorcycles
Low credit options offered
Up to 120% financing
Terms up to 84 months
0.25% rate discount when you repay your loan automatically
Manage your loan online 24/7 and make payments
Terms & Requirements
Motorcycle Loans add 1% to the stated new auto loan rates
For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)
For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)
Looking for a better commute? Ready to get outside on the weekends? Bring a boost to your quality of life with this eco-friendly option.
Features
Low rates and terms up to 48 months
Financing available up to $7,500 available for eBikes and conventional bicycles (including most bicycle accessories)
Quick and easy funding
Manage your loan online 24/7 and make payments
Terms & Requirements
Minimum loan amount is $500
May include bicycle accessories in financing
Buy your next car, truck, or SUV with a low rate and monthly payment that fits your budget.
Features
Competitive low rates from 4.99% for new and used vehicles
Low credit financing offered — up to 120% financing is available
Terms up to 84 months
0.25% rate discount when you repay your loan automatically
Manage your loan online 24/7 and make payments
Financing also available for boats/RVs
Quick and easy approvals online — get pre-approved before you shop
Find a car online or at a local partner dealer. Get Started.
Terms & Requirements
Used Auto Loan Rates: add .50% to the stated new auto loan rate for vehicles 5+ years old; add 1% for vehicles 10+ years old or 100,000 miles or more
For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)
For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)
Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelley Blue Book (RKBB), including applicable sales taxes, insurance, and other associated loan products
We’ll get you out on the open road sooner.
Features
Competitive rates for new and used motorcycles
Low credit options offered
Up to 120% financing
Terms up to 84 months
0.25% rate discount when you repay your loan automatically
Manage your loan online 24/7 and make payments
Terms & Requirements
Motorcycle Loans add 1% to the stated new auto loan rates
For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)
For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)
Looking for a better commute? Ready to get outside on the weekends? Bring a boost to your quality of life with this eco-friendly option.
Features
Low rates and terms up to 48 months
Financing available up to $7,500 available for eBikes and conventional bicycles (including most bicycle accessories)
Quick and easy funding
Manage your loan online 24/7 and make payments
Terms & Requirements
Minimum loan amount is $500
May include bicycle accessories in financing
Make the Switch to Solar.
- Competitive, low rates
- Easy application process
- Manage your loan 24/7
Get the Cash You Need.
Avoid going to a payday lender for short-term cash. Get the LIFT you need with this simple, low-cost, no- or low-interest payday loan alternative.
Features
0% financing available with low fees (for smaller amounts)
Borrow up to $2,500 at a low rate and no fee
Terms up to 12 months
Available to borrowers with no or low credit
Fee refund available when you repay your loan with direct deposit or complete our online budgeting course
Terms & Requirements
Must be in good standing with the Credit Union to apply
Only one LIFT Loan per member at any time
No prepayment penalty
Cover car repairs, pay off credit cards, manage your debt, or kick off big plans like a wedding or family vacation. This personal unsecured loan makes it simple and affordable.
Features
Borrow up to $25,000
Low fixed rates with terms up to 48 months
0.25% rate discount when you repay your loan automatically
Local decision-making with personal service every step of the way
No prepayment penalties
Debt consolidation loans available
Automatic transfer or payroll deduction payments available
Manage your loan online 24/7 and make payments
Terms & Requirements
Credit limit available up to $25,000
No collateral required
If you’re just starting your credit journey or would like to re-establish credit, a Savings Secured Loan is a great option.
Features
Keep earning dividends on your deposits
A great way to build or repair credit
No prepayment penalties
Funds can be used for almost any purpose
Terms & Requirements
APR is your current savings/share certificate rate + 3%
Share certificate-secured loan must be repaid before the share certificate matures
Savings Secured Loans have a maximum term of 60 months
Avoid going to a payday lender for short-term cash. Get the LIFT you need with this simple, low-cost, no- or low-interest payday loan alternative.
Features
0% financing available with low fees (for smaller amounts)
Borrow up to $2,500 at a low rate and no fee
Terms up to 12 months
Available to borrowers with no or low credit
Fee refund available when you repay your loan with direct deposit or complete our online budgeting course
Terms & Requirements
Must be in good standing with the Credit Union to apply
Only one LIFT Loan per member at any time
No prepayment penalty
Cover car repairs, pay off credit cards, manage your debt, or kick off big plans like a wedding or family vacation. This personal unsecured loan makes it simple and affordable.
Features
Borrow up to $25,000
Low fixed rates with terms up to 48 months
0.25% rate discount when you repay your loan automatically
Local decision-making with personal service every step of the way
No prepayment penalties
Debt consolidation loans available
Automatic transfer or payroll deduction payments available
Manage your loan online 24/7 and make payments
Terms & Requirements
Credit limit available up to $25,000
No collateral required
If you’re just starting your credit journey or would like to re-establish credit, a Savings Secured Loan is a great option.
Features
Keep earning dividends on your deposits
A great way to build or repair credit
No prepayment penalties
Funds can be used for almost any purpose
Terms & Requirements
APR is your current savings/share certificate rate + 3%
Share certificate-secured loan must be repaid before the share certificate matures
Savings Secured Loans have a maximum term of 60 months
DACA Loans
We’re here to support the most critical steps in your life. That’s why we’re proud to offer the Deferred Action for Childhood Arrivals (DACA) Loan, which provides a low-rate loan to pay for your DACA Loan application fee.
- Low fixed rate
- Up to 12 months to repay your loan
- Helps build credit
More for Your Life.
Online banking
Manage your money your way with 24/7 account access and easy-to-use online tools.
Checking accounts
Get anytime, secure access to your money wherever life takes you.
Financial knowledge center
Financial questions? We’re here for you, with resources in both English and Spanish.