Loan Rates

New & Used Collateral

Rates effective as of July 1, 2019
Rates are subject to change without notice.

Months
Financed
Tier 1
>700
Tier 2
670 - 699
Tier 3
640 - 669
Tier 4
600 - 639
Tier 5
550 - 599
Tier 6
500 - 549
Tier 7
<499
1 - 473.50%4.50%7.00%12.00%17.00%17.75%18.00%
48 - 594.00%4.75%7.25%12.00%17.25%17.75%18.00%
60 - 714.25%5.00%7.50%12.25%17.50%18.00%18.00%
72 - 836.25%7.00%9.25%14.25%N/AN/AN/A
84 - 967.75%8.50%11.25%16.25%N/AN/AN/A

Collateral loans include: vehicle, motorcycle, boat, watercraft, RV, travel trailer and farm equipment.

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Signature Loans

Rates effective as of July 1, 2019
Rates subject to change without notice.

Months
Financed
Tier 1
>700
Tier 2
670 - 699
Tier 3
640 - 669
Tier 4
600 - 639
Tier 5
550 - 599
Tier 6
500 - 549
Tier 7
<499
1 - 238.00%8.50%9.25%12.50%17.00%18.00%18.00%
24 - 358.50%9.00%9.75%13.00%17.50%18.00%18.00%
36 - 479.00%9.50%10.25%13.50%18.00%18.00%18.00%
48 - 599.50%10.00%10.75%14.00%18.00%18.00%18.00%
60 - 7210.00%10.50%11.25%14.50%N/AN/AN/A

For Signature Loans the maximum amount to any one member will be limited to $10,000 maximum to include any SFCU credit card debt.

Other Collateral Loans

Rates effective as of July 1, 2019
Rates are subject to change without notice.

Months
Financed
Tier 1
>700
Tier 2
670 - 699
Tier 3
640 - 669
Tier 4
600 -639
Tier 5
550 - 599
Tier 6
500 - 549
Tier 7
<499
1 - 47
6.75%8.00%8.75%11.00%12.00%15.00%17.00%
48 - 597.75%8.50%9.25%11.50%12.50%15.50%17.50%
60 - 718.00%9.00%9.75%12.00%N/AN/AN/A
72 - 849.00%9.50%10.25%12.50%N/AN/AN/A

Other Collateral Loans include: 4-wheelers, mowers, new storage sheds, new furniture or new computer

The *APR (Annual Percentage Rate)

Rate and the terms may vary depending on each individuals credit score, credit history and underwriting factors. Note: The “as low as” rate also takes into consideration our “It Pays To Be A Member” program. All SFCU loan programs, rates, terms, and conditions are subject to change at anytime without notice. Contact the credit union loan department for current rates and terms.

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