For Your Information

Personal Loan Rates

Rates Effective as of 12/20/2016

Personal Loans

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

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

Loan Loan Amount Loan Term APR**
HELOC- Home Equity Line of Credit Up to 75% 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 - Click on the link to "Apply Now" then select the button "Check Rates" for a Customer Rate Quote.

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

Auto Loans

FICO* Grade 36 48 60 72 84** LTV
740+ A+ 1.99% 1.99% 2.74% 3.24% 4.24% 120%
700-739 A 3.39% 3.39% 3.49% 3.99% 4.99% 115%
655-699 B 5.39% 5.39% 5.74% 5.99% 6.99% 110%
625-654 C 8.49% 8.49% 8.99% 9.49%   100%
570-624 D 11.89% 11.89% 12.89% 13.89%   90%

Up to 110% 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 100,000 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 1.99% your payment will be $262.92 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

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

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

Park Type Loan Amount+ Annual Percentage Rates***
Leased Space Up to 60% 7.50% to 10.75%
COOP Up to 65% 6.75% to 10.00%
RE-Owned Up to 70% 5.75% to 9.00%

+ Loan to Value (LTV)

*** 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. 

Get Green Loans

Solar Loans

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 and some recording fees apply. See Credit Union for more details.

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

** LTV = Loan to value

 

Energy Savings Loans

Term* Rate APR** Monthly Payment per $1,000
5 Years 5.75% to 6.99% 5.75% to 6.99% $19.22 @ 5.75%

(for 5 years)

Use an Energy Savings Loan up to $10,000 to purchase energy-efficient appliances; window replacement; water-saving or low-flow sprinkler systems; drought resistant/ecological landscaping; water heaters and special water heating reduction appliances/equipment; energy efficient lighting; energy efficient heating/cooling;insulation; waste reduction; recycling; and composting.

*All loans subject to credit approval and collateral approval.

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