IMPORTANT - Special Meeting of the Members Called by the Board to be held virtually on Friday, August 13, 2021, from 12-2 p.m. Get details.

Loan Rates

Rates effective August 5, 2021

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.
 
AUTO LOAN BICYCLE LOAN
SOLAR LOAN PERSONAL LOAN
ENERGY SAVINGS LOAN RV/BOAT LOAN
SECURED LOANS  
Auto Loan
Swipe For More
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.  Motorcycle Loans: add 1% to stated rates above. *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%.

BACK TO TOP

Solar Loan
Swipe For More
FICO Range 60 Months 180 Months
740+ 6.00% 6.50%
700-739 7.00% 7.00%
655-699 8.00% 8.00%

First 12 months interest-only for 180-month term. Remaining payments are amortized over rest of term. Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum credit amount is $50,000.

BACK TO TOP

Energy Savings Loan
Swipe For More
FICO Range 60 Months
740+ 5.75%
700-739 6.00%
655-699 6.99%

Maximum loan amount of $10,000 and maximum term of 60 months. Use only for energy-efficient needs, such as appliances and windows.

BACK TO TOP

RV/Boat Loan
Swipe For More
FICO Range Up to 120 Months LTV
740+ 7.99% 100%
700-739 8.24% 100%
655-699 10.24% 100%

Up to 100% financing available on new model years. Minimum loan amount of $40,000 for 120 months and maximum loan amount of $80,000, excluding tax & license. Must use NADA retail value.

BACK TO TOP

Bicycle Loan
Swipe For More
FICO Range 12 Months 24 Months 36 Months 48 Months
740+ 5.75% 6.25% 6.75% 6.95%
700-739 6.75% 7.25% 7.75% 7.95%
655-699 8.75% 9.25% 9.75% 9.95%
625-654 9.95% 10.95% 11.75% 11.95%
570-624 12.75% 13.55% 14.00% 14.25%

Minimum loan amount is $500 & maximum loan amount is $5,000. 100% financing available when bicycle purchased from retailer.

BACK TO TOP

Personal Loan
Swipe For More
FICO Range 36 Months 48 Months
740+ 9.99% 9.99%
700-739 10.99% 10.99%
655-699 12.99% 12.99%
625-654 14.99% -
570-624 16.99% -

Maximum loan amount is $25,000.

BACK TO TOP

Secured Loans
Swipe For More
Type Rate
Savings-Secured Savings Rate + 3.00%*
Share Certificate-Secured Share Certificate Rate + 3.00%*

No term for savings-secured loan. Share certificate-secured loan must be repaid before the share certificate matures. *Maximum term of 60 months.

BACK TO TOP