Loan, Credit Card & Deposit Rates
| Type |
Payment Period* |
Amount financed greater than $20,000. Annual Percentage Rate 'as low as'* |
Amount financed $10,000 - $19,999. Annual Percentage Rate 'as low as'* |
| New AND Used Vehicles; Model Years 2012 - 2014 |
Up to 36 months |
1.89% |
2.14% |
| New AND Used Vehicles; Model Years 2012 - 2014 |
Up to 75 months |
2.74% |
2.99% |
| New AND Used Vehicles; Model Years 2012 - 2014 |
84 months |
3.74% |
3.99% |
| New AND Used Vehicles; Model Years 2008 - 2011 |
Up to 36 months |
2.74% |
2.99% |
| New AND Used Vehicles; Model Years 2008 - 2011 |
Up to 75 months |
3.24% |
3.49% |
| New AND Used Vehicles; Model Years 2007 & Older |
Up to 66 months |
4.49% |
4.74% |
| Type |
Payment Period* |
Annual Percentage Rate 'as low as'* |
| Motorcycles and Scooters 2011 - 2014 |
up to 84 months
Term determined by loan amount |
2.99% |
| Motorcycles and Scooters 2008 - 2010 |
up to 84 months
Term determined by loan amount |
3.24% |
| Motorcycles and Scooters 2007 & Older |
up to 66 months
Term determined by loan amount |
8.25% |
*APR = Annual Percentage Rate. Rates are subject to change without notice.
1AUTO 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% if LTV > 90%.
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.
2ALTERNATIVE 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.