Loan Rates

New & Used Collateral

Rates effective as of August 1, 2022
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 - 474.00%5.25%7.50%10.25%13.25%15.25%16.25%
48 - 594.25%5.50%7.75%10.50%13.50%15.50%16.50%
60 - 714.50%5.75%8.00%10.75%13.75%15.75%16.75%
72 - 836.00%7.00%9.00%11.75%N/AN/AN/A
84 - 967.00%8.00%10.00%12.75%N/AN/AN/A

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

 

Thinking of buying a car? Start your search right on our website!

Signature Loans

Rates effective as of August 1, 2022
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 - 238.75%9.75%10.75%12.00%15.00%16.00%17.00%
24 - 359.25%10.25%11.25%12.50%15.50%16.50%17.25%
36 - 479.75%10.75%11.50%13.00%15.75%16.75%17.50%
48 - 5910.25%11.25%12.25%13.50%16.00%17.00%17.75%
60 - 7210.75%11.75%12.75%14.00%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 August 1, 2022
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
8.00%8.50%10.25%12.50%13.50%15.50%17.50%
48 - 598.50%9.00%10.75%13.00%14.00%16.25%17.75%
60 - 719.00%9.50%11.25%13.50%N/AN/AN/A
72 - 849.50%10.00%11.75%14.00%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.

I Want to Apply for a Loan
Loan Calculator