Consumer Loans Rates

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Rates effective November 20th, 2009.

Loan Amount Term Maximum Amount Financed²
100% APR³
New Auto Purchase
2008 or Newer¹ $1,500+ Up to 60 months 4.64% - 9.39%
  $15,000+ Up to 60 months² 4.64% - 9.39%

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

¹ 2008 and newer with less than 7,500 miles.
² 72 month financing is available on financed amount of $15,000 and above. Add .50% to the rate for 72-month terms.

Loan Amount Term Maximum Amount Financed²
100% APR³
Used Auto Purchase
2003 or Newer $1,500+ Up to 60 months 4.64% - 9.39%
2003 or Newer $15,000+ Up to 60 months¹ 4.64% - 9.39%
2002 or Older & Classic Autos $1,500 - $15,000 Up to 48 months 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 .50% to the rate for 72-month terms.

Loan Amount Term Maximum Amount Financed²
100% APR³
RV and Boat Loan
Purchase New & Used $1,500+ Up to 60 months 8.00% - 12.75%
  $15,000+ Up to 72 months 8.00% - 12.75%
  $25,000+ Up to 144 months 8.00% - 12.75%
Select Loans
Purchase - Motorcycles, Personal Watercraft, Snowmobiles $1,500 - $15,000 Up to 48 months 9.00% - 13.75%
Personal Loans
Unsecured $1,500 - $15,000 Up to 48 months 11.85% - 16.85%
Shared Secured Loan
Secured by Share Account N/A 12 to 60 months 3% over current highest share rate

APR may vary

² Maximum loan amount is based on the following:

  • New Vehicles - 90% to 120% of the lesser of the purchase price or Manufactures Suggested Retail Price including tax, license and add-ons.
  • Used Vehicles - 90% to 120% of the lesser of the purchase price or Retail Kelley Blue Book including tax, license and add-ons.
  • Auto Refinance - loan amount is not to exceed Retail Kelley Blue Book
  • RV and Boat Financing -100% to 70% of the lesser of the purchase price or Manufactures Suggested Retail Price, used financing is 100% to 70% of the lesser of the purchase price or Retail Kelley Blue Book or NADA Value guide. The final amount financed is based on your credit worthiness
  • Select Loan -100% to 70% of the lesser of the purchase price or Manufactures Suggested Retail Price. The final amount financed is based on your credit worthiness

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