For Business Loan interest rates, add .25% if LTV < 90% or .50% if LTV > 90%.

Loan interest rates and available terms are based on your credit quality, term, model year, loan to value ratio, and our usual credit criteria apply. Your rate may be different. All rates shown are fixed rate loans. New Cars: for qualified borrowers, financing up to 130% of dealer cost not to exceed Manufacturers Suggested Retail Price (MSRP). Used Cars: for qualified borrowers, financing up to 120% of loan wholesale value not to exceed retail value. Rates may vary based on member qualifications and credit criteria. All rates and conditions subject to change.

External refinances exceeding 130% of invoice or trade, add .50%

Minimum loan of $12,000 is required for loans with terms greater than 60 months.

^*Minimum loan of $12,000 for a term in excess of 60 months

^*84 Month Financing Requires Minimum invoice or trade value greater than $20,000, MAX LTV of 120%

^*72 & 75 Month Financing Requires Minimum invoice or trade value greater than $12,000.

For any loan NOT ON TRANSFER from an existing SCCU account OR DIRECT PAYROLL DEPOSIT, one quarter of one percent, (.25%) will be added to the approved rate.If not otherwise listed, any vehicle financed for 66 months will have the rate increased by (.25%) one quarter of one percent.