Auto Rates

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Our Auto Loan rates put you on the road to savings


At SCU, we help our members save money and get on the road quicker. This means fast application, approval and funding times and more gas in your tank.


Rates effective as of June 23, 2018.

Loan Amount Term APR2
New Auto Purchase or Refinance
2017 and newer¹ Up to $100,000 Up to 84 months 2.49% - 10.69%
Used Auto Purchase or Refinance
2017 and newer Up to $100,000 Up to 84 months 2.49% - 10.69%
2016 to 2012 Up to $100,000 Up to 72 months 2.49% - 10.69%
2011 to 2009 Up to $100,000 Up to 60 months 2.49% - 10.69%
2008 and older Up to $25,000 Up to 48 months 6.99% - 12.25%

12017 and newer with less than 7,500 miles. 

2APR = ANNUAL PERCENTAGE RATE  Representative Example:  A $15,000 60-month loan at 2.69% APR would require 59 payments of $267.76 and a final payment of $266.895.

48 months or 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above. 2008 or Newer: 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above. Mileage and term restriction: maximum 48 month term mileage 100k or more, maximum 60 month term mileage 80k or more.

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

  • New Vehicles - Up to 130% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price (minus rebates) including tax, license and dealer add-ons.
  • Used Vehicles - Up to 130% 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.
  • 2008 and older vehicles - Up to 100% of Kelly Blue Book Retail value.