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APR* = Annual Percentage Rate
Loan Type Rates as low as Terms/Information New Cars & Trucks 2018 & Newer 1.990% New Vehicle Rates Now LOWER at YOUR Credit Union! (1)(2)(3) Used Cars & Trucks 2010-2017 2.490% Hassle Free Financing with YOUR Credit Union! (1)(2)(3) Used Cars & Trucks 2009-Older 5.990% Hassle Free Financing with YOUR Credit Union! (1)(2)(3) Motorcycles 2018 & Newer 3.990% SFCU leads pack with LOW rates on new bike loans! (1)(2)(3) Used Motorcycles 2010-2017 4.740% YOUR CU leads the pack with our LOW rate toy loans!(1)(2)(3) Used Motorcycles 2009 & Older 7.740% YOUR CU leads the pack with our LOW rate toy loans!(1)(2)(3) Boat & Watercraft 2018 & Newer 3.990% Our NEW Boat Loan Rates float to the top! (1)(2)(3) Boats & Watercraft 2010-2017 4.740% Cruise to big savings with a SFCU USED Boat Loan! (1)(2)(3) Boat & Watercraft 2009 & Older 7.740% Cruise to big savings with a SFCU USED Boat Loan! (1)(2)(3) New RV's/Trailers 2018 & Newer 3.990% Our NEW RV Rates pull ahead of the competition! (1)(2)(3) Used RV's/Trailer 2010-2017 4.740% Hit the open road with our LOW USED RV Rates! (1)(2)(3) Used RV's/Trailer 2009-Older 7.740% Hit the open road with our LOW USED RV Rates! (1)(2)(3) Visa Classic 10.900% SFCU Visa - Low Fees at a Competitive 10.9% APR! Share Secured Loan 2.740% Borrow from your savings and save with a share secured loan. Signature Loan 9.490% This no frills unsecured loan can help out in a pinch.(1)(2) Holiday Loans 5.490% Holiday Loans are back at the CU! HELOC 4.000% SFCU HELOCs are a great tool for home improvement!(4)(5)
(1) Rate assumes a .50% discount on the APR for automatic payment via payroll deduct or payment from direct deposit, with deposit being large enough to cover a minimum monthly payment.
(2) Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate is for loans with terms of 48 months or less, with .25% being added for each year up to 84 months. Example: for cars and trucks 2018 and newer, the lowest possible rate for 48 months is 1.99%, 60 months is 2.24%, 72 months 2.49%, 84 months is 2.74%. Contact the credit union for rate details on Boat and RV loans with terms greater than 84 months.
(3) RVs and Boats can be amortized up to 15 years depending on loan amount
(4) Rate based on an index (Wall Street Journal Money Rates, Prime Rate). Loan floor rate is 4.00% APR and ceiling rate of 18.00% APR. Rates are variable and subject to change.
(5) Appraisals are required on all transactions $250,000 or greater, while tax assessed values may be used for valuation at the discretion of the credit union.
Ask a Member Service Representative about our Member Rewards program. Platinum members can receive Loan Interest Rebates of .25% APR on qualifying loans, while Gold members see rebates of .15% APR!