Loan, Credit Card & Deposit Rates

Term	Model Year 2013-2016 Annual Percentage Rate	Payment Per $1,000
1-36 MONTHS (financed amount >$20,000)	1.89%	$28.59
1-36 MONTHS (financed amount $10,000-$19,999)	2.14%	$28.70
37-75 months  (financed amount >$20,000)	2.89%	$14.59
37-75 months  (financed amount $10,000-$19,999)	3.14%	$14.70
76-78 months  (financed amount >$20,000)	3.24%	$14.24
76-78 months  (financed amount $10,000-$19,999)	3.49%	$14.35
79-84 months  (financed amount >$20,000)	4.24%	$13.78
79-84 months  (financed amount $10,000-$19,999)	4.49%	$13.90

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Model Year 2009-2012 Annual Percentage Rate	Payment Per $1,000
1-36 MONTHS (financed amount >$20,000)	2.74%	$28.97
1-36 MONTHS (financed amount $10,000-$19,999)	2.99%	$29.08
37-75 months  (financed amount >$20,000)	3.39%	$14.81
37-75 months  (financed amount $10,000-$19,999)	3.64%	$14.93

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Model Year 2008 & Older Annual Percentage Rate	Payment Per $1,000
0-60 months (financed amount >$20,000)	4.49%	$18.64
0-60 months (financed amount $10,000-$19,999)	4.74%	$18.75

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

AUTO LOAN RATES
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 and Pre-Owned/Used Cars: Rates may vary based on member qualifications and credit criteria. All rates and conditions subject to change.

Loan amounts less than $10,000, add .25% to the $10,000 - $19,999 rate.

For Business Loan interest rates, add .50%.

72 Month Requirements - minimum loan amount $12,000. 75 Month Requirements - minimum loan amount $15,000. 84 Month Requirements - minimum loan amount $20,000.

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 the mileage on the vehicle exceeds 75,000, add .50% to the rate.

Term	Motorcycles and Scooters 2013 - 2016 Annual Percentage Rate	Payment Per $1,000
0-84 months	2.99%	$13.21

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Motorcycles and Scooters 2009 - 2012 Annual Percentage Rate	Payment Per $1,000
0-84 months	3.24%	$13.32

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

Term	Motorcycles and Scooters 2008 & Older Annual Percentage Rate	Payment Per $1,000
0-66 months	8.25%	$18.90

Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

ALTERNATIVE VEHICLE RATE
Loan interest rates and loan to value are based on your credit quality and year of collateral. Yours may be different. All rates shown are fixed rate loans. Boat and RV loans: for qualified borrowers, financing up to 90% of invoice. Motorcycle loans: for qualified borrowers, financing up to 130% of invoice. Rates may vary based on member qualifications and credit criteria. Rates subject to change.

The maximum term will be determined by considering both the dollar amount and the member's credit rating.

Scooters: Engine size of 50cc’s or greater will be treated as a motorcycle loan. Anything less than 50cc’s will be considered a signature loan.

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.