IMPORTANT CHANGE - Due to the weather, the PG&E shutoff near our Santa Cruz branch has been POSTPONED; therefore, the Santa Cruz branch and ATM will now be OPEN tomorrow, 10/27/2021. Additionally, the Santa Cruz branch WILL NOT be open on Saturday, 10/30/2021. If you need to conduct business on Saturday, please visit our Soquel or Watsonville branch. We appreciate your patience. 

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%.