Loan Rates

Rates are current as of January 1, 2019


Consumer Loans, Collateralized and Unsecured 

Loan Type Rate / Annual Percentage Rate (APR)
Personal Loan & Personal Line-of-Credit 9.50% to 18%   Calculate my payment 
VISA Classic 9.25% to 18%   Calculate My Savings
VISA Rewards 9.90% to 18%   CALCULATE MY SAVINGS
New or Used Vehicles* 3.99% to 18%   Calculate my Payment
Boats and RVs, Adjustable** 3.99% to 18%   Calculate my payment

Snowmobiles, Personal Watercrafts, etc. *

6.49% to 18%   Calculate my payment

* OAC. The rates above are the lowest and highest possible rates available to qualified borrowers. The lowest rate shown includes 1/4% discount for automatic payment from your SFCU savings or checking account and another 1/4% off for additional services.
**Annual Percentage Rate, may vary based on approved credit, up to 100% financing. Lowest rate includes 1/4% off for automatic payment and 1/4% off for additional services, adjustable rates range from 3.99%APR to 18%APR.  3.99%APR subject to increase or decrease.  Other rates and terms are available.


Fixed Rate Long-Term Real Estate 

Loan Type Rate/Annual Percentage Rate (APR)
Fixed-Rate Real Estate (1st position) Call for Rates   Calculate My Payment
Home Equity Line-of-Credit Call for Rates
Owner Occupied (2nd position) Call for Rates
Non-Owner Occupied (1st position) Call for Rates
Undeveloped Land Call for Rates
Our Rates Subject to Change

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