Current Loan Rates

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Vehicle Loans

% FinancedAPR*
New and Used Vehicles100+%1.99% (1)(2)
RV's Trailers, ATV's Boats & Motorcycles100+%2.74% (1)(2)(3)

Home Loans

Home Loans% FinancedAPR*
15, 20 and 30 Year Mortgage97%Priced Daily (5)(6)
5, 10 & 15 Year RPM80%Priced Daily (5)(6)
Home Equity Line of Credit (HELOC)90%4.00% (4)(5)
Home Equity Loans
5, 10, 15 yr amortization
90%Priced Daily (5)(6)
Raw Land
5, 10, 15 yr amortization
70%Priced Daily (5)(6)

Other Loans

VISA Credit Card10.90%
Signature Loan9.49% (1)(2)
Share / CD Secured100% of Share Balance1.95%

Notes

(1) Rate assumes a .50% discount on the Annual Percentage Rate for automatic payment directly tied to payroll deposit. Rate also assumes a .25% discount for having an open SFCU VISA Card.  The rate will increase by the amount of the discount if you discontinue automatic payments or close the VISA account.
(2)
Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral.
(3)
RVs and Boats can be amortized up to 15 years on a case by case basis
(4)
Rate based on index (prime rate) plus a margin (+1% or +2% based on credit score and loan to value). Loan floor rate is 5.00% APR and ceiling rate of 14.00% APR. Rates are variable and subject to change over time.
(5) Appraisals are required on all transaction $250,000 or greater, while tax assessed values may be used for valuation at the discretion of the credit union.
(6) Refer to FNMA rate sheet provided by NMS daily and follow loan program guidelines to determine the loan rate.