Rates

Smart Rates.
Real Benefits.

May 19, 2026

Today's Latest Rates

Sacramento Credit Union (SCU) is a not-for-profit institution, meaning our savings rates help your deposits earn more money while our loans and mortgages are structured to reduce the amount of interest you pay. In short, we provide what you need to get ahead.

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Loans | Mortgage | Home Equity | Credit Cards | Deposit Accounts | Business Accounts

Loans

Auto Loan Rates

Term	APR¹ As Low As
NEW AUTO² PURCHASE OR REFINANCE
48 months	4.99%
60 months	4.99%
72 months	5.09%
84 months	5.49%
USED AUTO PURCHASE OR REFINANCE
48 months	5.19%
60 months	5.19%
72 months	5.29%
84 months	5.69%
USED AUTO 2016 AND OLDER
48 months	9.19%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR=Annual Percentage Rate. The lowest rate is displayed. Credit worthiness determines APR and maximum loan-to-value allowed. Representative Example: A $15,000 loan at 5.29% APR would require 72 payments of $243.60.

²A new auto is the current and previous year models (2025 and newer) with less than 7,500 miles.

There are term restrictions on used autos based both on the year, model and mileage.

The Maximum Amount Financed -

New autos- Up to 130% of Manufacturers Suggested Retail Price (minus rebates) including tax, license and dealer add-ons.

Used autos
- 2017 and newer - Up to 130% of Kelley Blue Book retail value including tax, license and dealer add-ons.
- 2016 and older vehicles - Up to 100% using the lesser of the purchase price (before used tax) or Retail Kelley Blue Book value with no cash out.

Auto Refinance with cash out - Loan amounts up to 100% of Kelley Blue Book retail value.

Boat, RV, Motorcycle Loan Rates

Loan	Amount Up To³	Term Up To	APR⁴ As Low As
RVs & BOATS
New¹	$100K	144 months	6.79%
Used¹	$100K	144 months	6.79%
MOTORCYCLES
New²	$35K	72 months	7.19%
Used²	$25K	60 months	7.24%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹Boat and RV loan amount term guidelines:

60 months: $5,000 and up

72 months: $15,000 and up

84 months: $25,000 and up

120 months: $35,000 and up

144 months: $45,000 and up

²Motorcycle loan amount term guidelines:

48 months: $5,000 and up

60 months: $10,000 and up

72 months: $15,000 and up

³Maximum Amount Financed Loan to Value (LTV) is based on the following:

Boat, RV and Motorcycle Financing - New financing up to 100% LTV. LTV is the lesser of the purchase price (before used tax) or Manufacturers Suggested Retail Price. Used financing up to 100% LTV. LTV is the lesser of the purchase price (before used tax) or JD Power Average Value.

⁴APR=Annual Percentage Rate.

Personal Loan Rates

Amount	Term	APR¹ As Low As
Up to $25,000	Up to 60 months	8.99%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR=Annual Percentage Rate. Representative Example: A $10,000 60-month loan at 8.99% APR would require 60 payments of $207.54.

Personal Line of Credit Rates

Loan	Amount	Term	APR¹ As Low As
Variable Rate²	Up to $25,000	N/A	11.40%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR=Annual Percentage Rate

²Variable Rate Personal Line of Credit: The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of the day of any APR adjustment.

To determine the APR that will apply to your account, we add a margin to the value of the Index. Ask us for the current index value, margin and annual percentage rate. After you open a plan, rate information will be provided on periodic statements that we send you.

Rate Changes: The APR can change on the first day of each month. There is no limit on the amount by which the APR can change during any one-year period. The maximum APR that can apply is the maximum permitted by law. Any increase in the APR will result in an increased repayment period.

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.

Secured Loan Rates

Loan	Amount	Term	APR¹
Secured by Savings Account	N/A	Up to 60 months	3% over current highest share rate

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR = ANNUAL PERCENTAGE RATE Representative Example: A $5,000 60-month loan at 3.15% APR would require 60 payments of $90.18.

TPMG Guaranteed Loan

Term	APR¹
SENIOR PURCHASE
2 Year Fixed	5.69%
5 Year Fixed	5.69%
10 Year Fixed	6.69%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR=Annual Percentage Rate. TPMG Loan Guarantee only applies to first $40,000 financed.

TPMG Non-Guaranteed Loan

Amount	Term	APR¹ As Low As
Up to $75,000²	Up to 84 months	8.99%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR=Annual Percentage Rate. Representative Example: A $10,000 60-month loan at 8.99% APR would require 60 payments of $207.54.

²Must fund $40,000 Guaranteed A/B Share Loan with SCU in order to qualify.

Mortgage

Mortgage Purchase Rates
Fixed Rate Mortgages

Loan Type	Rates²	APR¹	Points
30-YEAR FIXED	6.125%	6.335%	1.00
	6.250%	6.413%	0.50
20-YEAR FIXED	5.875%	6.151%	1.00
	6.000%	6.214%	0.50
15-YEAR FIXED	5.500%	5.844%	1.00
	5.625%	5.891%	0.50

DISCLOSURES:

Rates effective as of May 19, 2026.

¹ APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.

Adjustable Rate Mortgages³

Loan Type	Rates²	APR¹	Points
5/1 ARM	5.625	5.735	0.0
Payment Examples >
7/1 ARM	5.750	5.861	0.0
Payment Examples >
10/1 ARM	6.000%	6.113%	0.0
Payment Examples >

DISCLOSURES:

Rates effective as of May 19, 2026.

¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.

²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

³The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.

Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916)444-6070.

Mortgage Refinance Rates
Fixed Rate Refinance

Loan Type	Rates	APR¹	Points
30-YEAR FIXED	6.125%	6.335%	1.00
	6.250%	6.413%	0.50
	6.375%	6.491%	0.00
20-YEAR FIXED	5.875%	6.151%	1.00
	6.000%	6.214%	0.50
	6.125%	6.276%	0.00
15-YEAR FIXED	5.500%	5.844%	1.00
	6.625%	5.891%	0.50
	5.750%	5.938%	0.00

DISCLOSURES:

Rates effective as of May 19, 2026.

¹ APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.

Adjustable Rate Refinance³

Loan Type	Rates²	APR¹	Points
5/1 ARM	5.625	5.735	0.0
Payment Examples >
7/1 ARM	5.750	5.861	0.0
Payment Examples >
10/1 ARM	6.000%	6.113%	0.0
Payment Examples >

DISCLOSURES:

Rates effective as of May 19, 2026.

¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end. Your actual APR may be different depending on these factors.

²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

³
1. The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown.
2. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate.
3. Floor rate is the start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.

Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916) 444-6070.

Home Equity Rates

Home Equity Loan Rates

Term	Rate	APR As Low As
Owner Occupied
48-240 months	5.99%-10.69%	5.99%¹
Non-Owner Occupied
48-240 months	7.99%-12.69%	7.99%²

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Combined loan-to-value (CLTV) must be 80% or less for owner-occupied properties. Lower CLTV may be required based on creditworthiness. All loans are subject to property valuation, limited to one-to-four family units located in the state of California, excludes manufactured and mobile homes. Other restrictions on the property may apply. Loans secured by your home other than your first mortgage must be paid at the time of account funding. Property insurance required. Flood insurance might be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan paid off or closed within the first 36 months.

²APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Combined loan-to-value (CLTV) must be 70% or less for non-owner-occupied properties. Lower CLTV may be required based on creditworthiness. All loans are subject to property valuation, limited to one-to-four family units located in the state of California, excludes manufactured and mobile homes. Other restrictions on the property may apply. Loans secured by your home other than your first mortgage must be paid at the time of account funding. Property insurance required. Flood insurance might be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan paid off or closed within the first 36 months.

Home Equity Line of Credit Rates

Term	Amount	APR As Low As
Owner Occupied¹
Total Term: 25 years Draw period for advances: 10 years Repayment period: 15 years	$10,000 and up	3.99%²
Non-Owner Occupied³
Total Term: 25 years Draw period for advances: 10 years Repayment period: 15 years	$10,000 and up	9.50%⁴

DISCLOSURES:

Rates effective as of May 19, 2026.

Important terms of our HELOC plan

What you should know about HELOCs

HELOCS: OWNER-OCCUPIED PROPERTIES
¹ Term: There is an initial 10-year draw period for advances, followed by a 15-year repayment period, for a total term of 25 years.

² Annual Percentage Rate (APR): APR is based upon the index plus a margin. Margin is based on your credit worthiness. The lowest rate is displayed. Combined loan-to-value (CLTV) must be 80% or less for owner-occupied properties. Lower CLTV may be required based on creditworthiness. HELOC Fixed Intro Rate as low as 3.99% APR valid for 6 months; after which it will change to a regular variable rate.
Index: The index is the Prime Rate published in the Money Rates column of The Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the day of any APR adjustment.

Rate changes: The annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one-year period. The maximum APR that can apply is 15.00% or the maximum permitted by law, whichever is less. The minimum APR is based on your creditworthiness. Please contact the credit union for your qualifying minimum rate and margin.

Borrower fee reimbursement: Up to $750 fee reimbursement paid by the borrower if the equity loan or line is paid off or closed within the first 36 months.

Property insurance: You must carry insurance on the property that secures this plan. If the property is located in a Special Flood Hazard Area, we will require you to obtain flood insurance if it is available.

Other conditions: All loans are subject to property valuation and credit approval. Owner-occupied HELOCs are limited to one-to-four-unit owner-occupied properties located in the state of California and exclude manufactured and mobile homes. Other restrictions on property may apply. Any loan secured by your home other than your first mortgage must be paid at the time of account funding. Rates, APR, terms, and conditions are subject to change without notice.

HELOCS: NON-OWNER OCCUPIED PROPERTIES
³ Term: There is an initial 10-year draw period for advances, followed by a 15-year repayment period, for a total term of 25 years.

⁴ Annual Percentage Rate (APR): APR is based upon the index plus a margin. Margin is based on your credit worthiness. The lowest rate is displayed.

Index: The index is the Prime Rate published in the Money Rates column of The Wall Street Journal. When a range of rates has been published, the highest rate will be used. Combined loan-to-value (CLTV) must be 70% or less for non-owner-occupied properties. Lower CLTV may be required based on creditworthiness. We will use the most recent index value available to us as of the day of any APR adjustment.

Rate changes: The annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one-year period. The maximum APR that can apply is 15.00% or the maximum permitted by law, whichever is less. The minimum APR is based on your creditworthiness. Please contact the credit union for your qualifying minimum rate and margin.

Borrower fee reimbursement: Up to $750 fee reimbursement paid by the borrower if the equity loan or line is paid off or closed within the first 36 months.

Property insurance: You must carry insurance on the property that secures this plan. If the property is located in a Special Flood Hazard Area, we will require you to obtain flood insurance if it is available.

Other conditions: All loans are subject to property valuation and credit approval. Non-owner-occupied HELOCs are limited to one-to-four-unit owner-occupied properties located in the state of California and exclude manufactured and mobile homes. Other restrictions on property may apply. Any loan secured by your home other than your first mortgage must be paid at the time of account funding. Rates, APR, terms, and conditions are subject to change without notice.

Credit Cards

Credit Card	APR¹ As Low As
VISA PLATINUM CREDIT CARD	11.50%
VISA PLATINUM REWARDS PLUS CREDIT CARD	13.40%
VISA SECURED CREDIT CARD	17.25%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APR=Annual Percentage Rate. APR is based on your creditworthiness and will vary with the market based on the U.S. Prime Rate. Please see the
Terms and Conditions for more details

Approval is subject to underwriting guidelines and verifications.

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Deposit Accounts

Checking Rates

Minimum Balance to Earn Dividends	Dividend Rate	APY¹
FREE REWARDS CHECKING
$0 - $25,000	4.41% Requirements Met²	4.50%
$25,000+	.10% Requirements Met²	4.50% - 1.180%
All balances if qualifications not met	0.01%	0.01%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APY=Annual Percentage Yield. Dividend Rate and APY may change anytime as determined by the credit unions board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.

²The requirements are: 1. Agree to receive e-Statements. 2. At least 12 purchases each month with your SCU Visa debit card. 3. At least one direct deposit or ACH auto debit posts and clears. 4. Log into SCU Mobile or Online Banking App. Monthly Qualification Cycle means the current Statement Cycle. Statement Cycle means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month.
4.50% - 1.180% APY range assumes an account balance of up to $100,000.

Savings Rates

Balance Range	Dividend Rate	APY¹
MONEY MARKET²
$2,500 - $9,999	0.15%	0.15%
$10,000 - $24,999	0.90%	0.90%
$25,000 - $49,999	1.00%	1.00%
$50,000 - $99,999	1.05%	1.06%
$100,000 - $249,999	1.30%	1.31%
$250,000 - $499,999	1.40%	1.41%
$500,000 and over	1.49%	1.50%
PREMIUM MONEY MARKET³
$50,000 - $99,999	1.75%	1.76%
$100,000 - $249,999	2.00%	2.02%
$250,000 - $499,999	2.25%	2.27%
$500,000 and over	2.50%	2.53%
SAVINGS ACCOUNTS (All Types)⁴
$300 - $999	0.05%	0.05%
$1,000 - $4,999	0.05%	0.05%
$5,000 - $9,999	0.05%	0.05%
$10,000 - $99,999	0.08%	0.08%
$100,000 and over	0.15%	0.15%
IRA SHARE ACCOUNTS (All Types)
$300 - $999	0.05%	0.05%
$1,000 - $4,999	0.05%	0.05%
$5,000 - $9,999	0.05%	0.05%
$10,000 - $99,999	0.08%	0.08%
$100,000 and over	0.15%	0.15%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APY=Annual Percentage Yield
²Money Market requires $2,500 to open.
³Premium Money Market requires $50,000 to open.
⁴Savings Account requires $25 to open.
Dividend Rate and APY may change anytime as determined by the credit union board of directors.
Dividends are compounded and credited monthly. Fees may reduce earnings.

Certificate Specials

Minimum Balance	Dividend Rate	APY¹
4-MONTH (IRA not Eligible)
$1,000	3.83%	3.90%
7-MONTH
$1,000	3.64%	3.70%
13-MONTH
$1,000	3.59%	3.65%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APY=Annual Percentage Yield
$500 minimum for IRA Certificates.
$1,000 minimum for Share Certificates.
Rates and terms are subject to change.
A penalty may be imposed for withdrawals before maturity.
The 4-month certificate will automatically renew to a 3-month term upon maturity. The 7-month certificate will automatically renew to a 6-month term upon maturity. The 13-month certificate will automatically renew to a 12-month term upon maturity.

Certificate Rates

Minimum Balance	Dividend Rate	APY¹
3-MONTH (IRA not Eligible)
$1,000	2.96%	3.00%
$20,000	2.96%	3.00%
$50,000	2.96%	3.00%
$100,000	2.96%	3.00%
6-MONTH
$1,000	3.00%	3.04%
$20,000	3.00%	3.04%
$50,000	3.00%	3.04%
$100,000	3.01%	3.05%
12-MONTH
$1,000	3.15%	3.20%
$20,000	3.15%	3.20%
$50,000	3.15%	3.20%
$100,000	3.20%	3.25%
18-MONTH
$1,000	3.15%	3.20%
$20,000	3.15%	3.20%
$50,000	3.15%	3.20%
$100,000	3.20%	3.25%
24-MONTH
$1,000	3.20%	3.25%
$20,000	3.20%	3.25%
$50,000	3.20%	3.25%
$100,000	3.25%	3.30%
30-MONTH
$1,000	3.20%	3.25%
$20,000	3.20%	3.25%
$50,000	3.20%	3.25%
$100,000	3.25%	3.30%
36-MONTH
$1,000	3.30%	3.35
$20,000	3.30%	3.35
$50,000	3.30%	3.35
$100,000	3.35%	3.40%
48-MONTH
$1,000	3.35%	3.40%
$20,000	3.35%	3.40%
$50,000	3.35%	3.40%
$100,000	3.40%	3.45%
60-MONTH
$1,000	3.49%	3.55%
$20,000	3.49%	3.55%
$50,000	3.49%	3.55%
$100,000	3.49%	3.55%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APY=Annual Percentage Yield
$500 minimum for IRA Certificates.
$1,000 minimum for Share Certificates.
Rates and terms are subject to change.
A penalty may be imposed for withdrawals before maturity.

Business Accounts

Business Account Rates

Minimum Balance to Earn Dividends	Dividend Rate	APY¹
BUSINESS MONEY MARKET²
$2,500- $9,999.99	0.15%	0.15%
$10,000 - $49,999.99	0.75%	0.75%
$50,000 - $99,999.99	1.00%	1.00%
$100,000 - $249.999.99	1.15%	1.16%
$250,000 - $499,999	1.25%	1.26%
$500,000 and over	1.75%	1.76%
BUSINESS SAVINGS
$300	0.05%	0.05%
$1,000	0.05%	0.05%
$5,000	0.05%	0.05%
$10,000	0.08%	0.08%
$100,000 and over	0.15%	0.15%
BUSINESS INTEREST CHECKING³
$1.00 - $4,999.99	0.00%	0.00%
$5,000 - $9,999.99	0.01%	0.01%
$10,000 - $24,999.99	0.01%	0.01%
$25,000 - $99,999	0.01%	0.01%

DISCLOSURES:

Rates effective as of May 19, 2026.

¹APY=Annual Percentage Yield
²Requires $2,500 to open.
³Requires $100 to open.

Dividend Rate and APY may change anytime as determined by the credit union's board of directors.

Dividends are compounded and credited monthly. Fees may reduce earnings.