Consumer Loans Rates

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Rates effective March 10th, 2010.

Loan Amount Term Maximum Amount Financed²
80% APR³ 		Maximum Amount Financed²
100% APR³
New Auto Purchase
2009 or Newer¹ Up to $100,000 Up to 60 months 4.29% - 9.14% 4.49% - 9.39%

Rates not available for refinance of an existing SCU Auto loan.

¹ 2009 and newer with less than 7,500 miles.
² 72 month financing is available on financed amount of $15,000 and above. Add 0.50% to the rate for 72-month terms.

Loan Amount Term Maximum Amount Financed²
80% APR³ 		Maximum Amount Financed²
100% APR³
Used Auto Purchase
2004 or Newer Up to $100,000 Up to 60 months 4.39% - 9.14% 4.59% - 9.39%
2003 or Older & Classic Autos Up to $15,000 Up to 48 months 9.00% - 13.75% 9.00% - 13.75%

Rates not available for refinance of an existing SCU Auto loan.

¹ 72 month financing is available on financed amount of $15,000 and above. Add 0.50% to the rate for 72-month terms.

Loan Amount Term Maximum Amount Financed²
80% APR³ 		Maximum Amount Financed²
100% APR³
RV and Boat Loan
New¹ Up to $100,000+ Up to 144 months 8.00% - 12.75% 8.00% - 12.75%
Used² $15,000+ Up to 144 months 8.50% - 13.25% 8.50% - 13.25%

¹ 72 months financing available on loan amounts of $15,000 and above. 144 months financing available for loan amounts of $25,000 and above.

Loan Amount Term Maximum Amount Financed²
80% APR³ 		Maximum Amount Financed²
100% APR³
Select Collateral Loan
Motorcycles, Personal Watercraft, Snowmobiles Up to $15,000 Up to 48 months 9.00% - 13.75% 9.00% - 13.75%
Personal Loans
  Up to $15,000 Up to 48 months N/A 11.85% - 16.85%
Shared Secured Loan
Secured by Share Account N/A Up to 60 months N/A 3% over current highest share rate

APR may vary

² Maximum Amount Financed Loan to Value (LTV) is based on the following

  • New Vehicles - Up to 120% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price including tax, license and dealer add-ons.
  • Used Vehicles - Up to 120% LTV. LTV is the lesser of the puchase price or Kelley Blue Book retail value including tax, license and dealer add-ons.
  • Auto Refinance - Loan amounts up to 100% LTV of Kelley Blue Book retail value.
  • RV and Boat Financing - New financing up to 100% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price. Used financing up to 100% LTV. LTV is the lesser of the purchase price or NADA Retail Value Guide.
  • Select Collateral Loan - Up to 100% of the lesser of the purchase price or Manufactures suggested Retail Price.

³ APR = ANNUAL PERCENTAGE RATE

RATE - CONSUMER LOAN RATES ARE DISCLOSED AS RANGES. YOUR FINAL RATE AND LOAN TO VALUE ARE BASED ON YOUR CREDIT WORTHINESS.

Rates, APRs, terms and conditions are subject to change without notice.