Loan Rates*
Competitive rates and flexible terms make your life easier.Home Alternative Energy
| Term | Rate | Monthly Payment per $1,000 Borrowed |
| 12 months | 5% | $85.61 |
| 18 months | 5.25% | $57.89 |
| 24 months | 5.5% | $44.10 |
| 30 months | 5.75% | $35.87 |
| 36 months | 6% | $30.42 |
| 42 months | 6.5% | $26.68 |
| 48 months | 7% | $23.95 |
| 54 Months | 7.5% | $21.88 |
| 60 Months | 8% | $20.28 |
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New & Used Car
| Credit Score 800-850 | Credit Score 700-799 | Credit Score 650-699 | Credit Score 649-450 | ||||||||
| Term --New & Used Auto Loans-only '06 to '12 | Rate | Monthly Payment per $1,000 Borrowed | Term -- New & Used Auto Loans | Rate | Monthly Payment per $1,000 Borrowed | Term -- New & Used Auto Loans | Rate | Monthly Payment per $1,000 Borrowed | Term -- New & Used Auto Loans | Rate | Monthly Payment per $1,000 Borrowed |
| 12 months | 4.00% | $85.15 | 12 months | 5.25% | $85.72 | 12 months | 6.00% | $86.07 | 12 months | 6.75% | $86.41 |
| 24 months | 4.00% | $43.42 | 24 months | 5.25% | $43.98 | 24 months | 6.00% | $44.32 | 24 months | 6.75% | $44.66 |
| 36 months | 4.00% | $29.52 | 36 months | 5.25% | $30.08 | 36 months | 6.00% | $30.42 | 36 months | 6.75% | $30.76 |
| 48 months | 4.00% | $22.58 | 48 months | 5.25% | $23.14 | 48 months | 6.00% | $23.49 | 48 months | 6.75% | $23.83 |
| 60 months | 4.00% | $18.42 | 60 months | 5.25% | $18.99 | 60 months | 6.00% | $19.33 | 60 months | 6.75% | $19.68 |
| 72 months** | 4.00% | $15.65 | 72 months** | 5.25% | $16.22 | 72 months** | 6.00% | $16.57 | 72 months** | 6.75% | $16.93 |
**Only on '11 & '10
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New Motorcycle
| Credit Score 700-850 | Credit Score 650-699 | Credit Score 649-450 | ||||||
| Term--New Motorcycles 2011-2012 |
Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed | Term--New Motorcycles | Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed | Term--New Motorcycles | Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed |
| 12 months | 6.25% | $86.18 | 12 months | 6.50% | $86.30 | 12 months | 6.75% | $86.41 |
| 24 months | 6.25% | $44.43 | 24 months | 6.50% | $44.55 | 24 months | 6.75% | $44.66 |
| 36 months | 6.25% | $30.54 | 36 months | 6.50% | $30.65 | 36 months | 6.75% | $30.65 |
| 48 months | 6.25% | $23.60 | 48 months | 6.50% | $23.71 | 48 months | 6.75% | $23.83 |
| 60 months | 6.25% | $19.45 | 60 months | 6.50% | $19.57 | 60 months | 6.75% | $19.68 |
Used Motorcycle
| Credit Score 700-850 | Credit Score 650-699 | Credit Score 649-450 | ||||||
| Term--Used Motorcycles 2006-2012 |
Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed | Term--Used Motorcycles | Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed | Term--Used Motorcycles | Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed |
| 12 months | 6.50% | $86.30 | 12 months | 6.75% | $86.41 | 12 months | 7.00% | $86.53 |
| 24 months | 6.50% | $44.55 | 24 months | 6.75% | $44.66 | 24 months | 7.00% | $44.77 |
| 36 months | 6.50% | $30.65 | 36 months | 6.75% | $30.65 | 36 months | 7.00% | $30.88 |
| 48 months | 6.50% | $23.71 | 48 months | 6.75% | $23.83 | 48 months | 7.00% | $23.95 |
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Harley-Davidson Motorcycle
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Effective 8/14/09 |
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| Credit Score 800-850 | Credit Score 700-799 | Credit Score 650-699 | Credit Score 649-450 | ||||||||
| Term--New & Used Motorcycles-- '06 to '12 only | Rate | Monthly Payment per $1,000 Borrowed | Term--New & Used Motorcycles | Rate | Monthly Payment per $1,000 Borrowed | Term--New & Used Motorcycles | Rate | Monthly Payment per $1,000 Borrowed | Term--New & Used Motorcycles | Rate | Monthly Payment per $1,000 Borrowed |
| 12 months | 5.75% | $85.95 | 12 months | 6.00% | $86.07 | 12 months | 6.25% | $86.18 | 12 months | 6.75% | $86.41 |
| 24 months | 5.75% | $44.21 | 24 months | 6.00% | $44.32 | 24 months | 6.25% | $44.43 | 24 months | 6.75% | $44.66 |
| 36 months | 5.75% | $30.81 | 36 months | 6.00% | $30.42 | 36 months | 6.25% | $30.54 | 36 months | 6.75% | $30.76 |
| 48 months | 5.75% | $23.37 | 48 months | 6.00% | $23.49 | 48 months | 6.25% | $23.60 | 48 months | 6.75% | $23.83 |
| 60 months | 5.75% | $19.22 | 60 months | 6.00% | $19.33 | 60 months | 6.25% | $19.45 | 60 months | 6.75% | $19.68 |
| 72 months | - | - | 72 months | - | - | 72 months | - | - | 72 months | - | - |
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Personal
| Credit Score 800-850 | Credit Score 700-799 | Credit Score 650-699 | Credit Score 649-450 | ||||||||
| Personal Loans | Rate | Monthly Payment per $1,000 Borrowed | Personal Loans | Rate | Monthly Payment per $1,000 Borrowed | Personal Loans | Rate | Monthly Payment per $1,000 Borrowed | Personal Loans | Rate | Monthly Payment per $1,000 Borrowed |
| 12 months | 7.0% | $86.53 | 12 months | 7.50% | $86.76 | 12 months | 9.50% | $87.68 | 12 months | 12.00% | $88.85 |
| 24 months | 7.0% | $44.77 | 24 months | 7.50% | $45.00 | 24 months | 9.50% | $45.91 | 24 months | 12.00% | $47.07 |
| 36 months | 7.0% | $30.88 | 36 months | 7.50% | $31.11 | 36 months | 9.50% | $32.03 | 36 months | 12.00% | $33.21 |
| 42 months | 7.25% | $27.03 | 42 months | 8.00% | $27.38 | 42 months | 11.25% | $28.91 | 42 months | 12.50% | $29.52 |
| 60 months | 7.25% | $19.92 | 60 months | 8.00% | $20.28 | 60 months | 11.25% | $21.87 | 60 months | 12.50% | $22.50 |
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Boat & RV
| Credit Score 700-800 | Credit Score 650-699 | Credit Score 649-450 | ||||||
| Boat & RV Loans 2005-2012 | Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed | Boat & RV Loans 2005-2012 | Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed | Boat & RV Loans 2005-2012 | Annual Percentage Rate |
Monthly Payment per $1,000 Borrowed |
| 12 months | 6.75% | $86.41 | 12 months | 7.25% | $86.64 | 12 months | 7.50% | $86.76 |
| 24 months | 6.75% | $44.66 | 24 months | 7.25% | $44.89 | 24 months | 7.50% | $45.00 |
| 36 months | 6.75% | $30.65 | 36 months | 7.25% | $30.99 | 36 months | 7.50% | $31.11 |
| 48 months | 6.75% | $23.83 | 48 months | 7.25% | $24.06 | 48 months | 7.50% | $24.18 |
| 60 months | 6.75% | $19.68 | 60 months | 7.25% | $19.92 | 60 months | 7.50% | $20.04 |
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Passbook Loans
One of the things that makes us different is that as a credit union, we can offer some of the best rates around on loans and savings accounts.Annual Percentage Rate (APR): 3.50%, 3 Year Maximum
No discount for Direct Payment
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* Rates subject to change without notice. Rates based on direct payment from SFCU checking or savings account. Add .25% for non-direct payment.
