Loan Rates

New & Used Collateral

Rates effective as of December 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 - 474.50%5.75%8.25%11.00%14.00%16.00%17.00%
48 - 594.75%6.00%8.50%11.25%14.25%16.25%17.25%
60 - 715.00%6.25%8.75%11.50%14.50%16.50%17.50%
72 - 836.50%7.50%9.75%12.50%N/AN/AN/A
84 - 967.50%8.50%10.75%13.50%N/AN/AN/A

Collateral loans include: auto, boat, RV, watercraft, motorcycle, travel-trailer, and farm equipment

All rates listed above are subject to the maximum discount of 0.75% based on our “it pays to be a member” program. This matrix is used whenever the member does NOT qualify for any “special promotional” rate the board has approved.

 

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

Signature Loans

Rates effective as of December 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 - 239.25%10.25%11.50%12.75%15.75%16.75%17.75%
24 - 359.75%10.75%12.00%13.25%16.25%17.25%18.00%
36 - 4710.25%11.25%12.25%13.75%16.50%17.50%18.00%
48 - 5910.75%11.75%13.00%14.25%16.75%17.75%18.00%
60 - 7211.25%12.25%13.50%14.75%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 December 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
8.50%9.00%11.00%13.25%14.25%16.25%18.00%
48 - 599.00%9.50%11.50%13.75%14.75%17.00%18.00%
60 - 719.50%10.00%12.00%14.25%N/AN/AN/A
72 - 8410.00%10.50%12.50%14.75%N/AN/AN/A

Other Collateral Loans include: new computers, new furniture, new storage units secured by a UCC-1, in addition other collateral will include 4-wheeler type of collateral.

The *APR (Annual Percentage Rate)

All rates listed above are subject to the maximum discount of 0.75% based on our “it pays to be a member” program. This matrix is used whenever the member does NOT qualify for any “special promotional” rate the board has approved.

I Want to Apply for a Loan
Loan Calculator