Take Our Life Stage Quiz Access custom content and SCCU services that apply to you! Get articles, tools, and solutions for every stage in your life. Take our brief quiz to help us better serve your unique financial needs. Skip Quiz & View All LifeStage Articles What is your age range? 18-2122-2930-4950-6465+ Home Open an Account Branches/ATMs Contact Us Help Mobile Site Español Search for: Personal PERSONAL Loans Auto / Vehicles Credit Cards Recreational Vehicles Personal Loans Mortgages Mortgage Purchase Mortgage Refinance Fixed Rate Home Equity Home Equity Line of Credit Checking & Savings Savings, Certificates & IRAs Checking & Debit Money Market Online & Mobile Banking Online Banking Mobile Banking Investments & Insurance Investment Services Insurance Products Deposit & Loan Rates Start Application Business Services BUSINESS SERVICES Savings Share Savings Money Market Savings Certificates of Deposit Checking & Debit Platinum Interest Checking Free Business Checking Business Interest Checking Business Advantage Checking Health Savings Account Loans Vehicle & Equipment Real Estate & Construction Aircraft & Boat Loans Credit Card Loan Refinancing Additional Business Services Payroll Merchant Services Remote Deposit Capture Online Banking Mobile Banking Business Services Business Services Managers Start Application Why SCCU WHY SCCU News About SCCU Legislative Action Careers Events Calendar Branches/ATMs Media Center Help Center Members' Watchdog What Is Member's Watchdog Ratings & Reviews The Watchdog Symbol Member Rewards Member Discount Program SCCU Blog Spanish Blog Start Application PLANNING & ADVICE PLANNING & ADVICE Auto Buying Center Life Event Center Calculators Investment Services Home Buying Center Articles Start Application Online Banking Forgot password More help Review Your Browser Settings Online Banking Security Additional help Enroll in Online Banking Home > Personal > Deposit & Loan Rates > Consumer Loans Loan, Credit Card & Deposit Rates Mortgage/Home Equity Auto/Vehicle Deposits CDs Credit Card Consumer Loans Signature Loan1 Payment Period Annual Percentage Rates 'as low as'* 12 - 60 months 12.50% Top Share Secured/CD Secured Loan2 Payment Period Annual Percentage Rates 'as low as'* Type Secured Up to 120 Months Rate + 3.0% * Variable CD Secured Not to exceed Maturity Date of CD Certificate Rate + 2% Fixed Top *APR = Annual Percentage Rate. Rates are subject to change without notice. 1SIGNATURE LOAN Rates declared January 29, 2009. Loan rates are based on your credit quality. Yours may be different. Rates subject to change without prior notice. Credit criteria applies; Maximum unsecured credit is $20,000. Maximum loan amount is two times your gross monthly income. 2SHARE SECURED/CD SECURED LOAN Rates declared April 30, 2009. Your Member Shares-Secured Sub-Account is a variable rate Sub-Account. The ANNUAL PERCENTAGE RATE (APR) on the Member Shares-Secured Sub-Account is subject to change quarterly based upon changes in the highest dividend rate paid on the credit union share (deposit) accounts (the "Share Rate"). The daily periodic rate on this Sub-Account will equal 1/365th of the APR. The APR in a given calendar quarter will equal 3% above the highest Share Rate in effect for that quarter. The APR for each quarter will go into effect on the sixth day of January, April, July, and October, and will stay in effect until the credit union changes the Share Rate. Your Finance Charge for every $1.00 in your daily balance, will increase if the Share Rate rises and will decrease if the Share Rate falls. For example, a change in the Share Rate of one percentage point will result in a one percentage point change in the same direction in your APR, with a corresponding change in your daily periodic rate. The effect of an increase in the ANNUAL PERCENTAGE RATE (APR) will be higher payments or a longer term. For any loan NOT ON PAYMENT TRANSFER from an existing SCCU account OR DIRECT PAYROLL DEPOSIT, one quarter of one percent (.25%) will be added to the approved rate.