In my 30+ years in Somerset, I have never seen a financial institution with such great service. Keep up the great work, you have a great deal to be proud of.
SFCU Member
Loan Rates
New & Used Auto Loan Rates
Effective Date: Tuesday, September 29, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 72 Months | 6.00% | $86.07 |
Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. Add 1% to the rate if financing 100%.
2026 – 2025 is considered New Autos.
2024 – 2019 is considered Used Autos.
*APR is Annual Percentage Rate.
Boat & RV Loan Rates
Effective Date: Tuesday, September 29, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 72 Months | 9.00% | $87.45 |
Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account.
20% downpayment required. $80,000 (new) and $60,000 (used) maximum loan amount.
*APR is Annual Percentage Rate.
Motorcycle Loan Rates
Effective Date: Tuesday, September 29, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 60 Months | 8.50% | $87.22 |
Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account.
20% down payment required.
*APR is Annual Percentage Rate.
Personal Loan Rates
Effective Date: Tuesday, September 29, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 Months | 9.50% | $87.68 |
| 24 Months | 9.50% | $45.91 |
| 36 Months | 9.50% | $32.03 |
| 48 Months | 9.75% | $25.24 |
| 60 Months | 9.75% | $21.12 |
Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account.
*APR is Annual Percentage Rate.
Share Secured Loan Rates
Effective Date: Tuesday, September 29, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed Borrowed for 12 Months |
|---|---|---|
| 12 Months to 60 Months | 3.50% | $84.92 |
*APR is Annual Percentage Rate.
Home Alternative Energy Loan Rates
Effective Date: Tuesday, September 29, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 Months | 7.75% | $86.87 |
Call for additional terms and rates. Monthly payment per $1,000 borrowed depends upon rate and term selected.
*APR is Annual Percentage Rate.
Debt Consolidation Loan Rates
Effective Date: Tuesday, September 29, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 to 36 Months | 11.00% | $88.38 (based on a 12 month term) |
| 42 to 60 Months | 11.50% | $29.03 (based on a 42 month term) |
Rates apply to bill consolidation loans greater than $10,000.00 and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account.
*APR is Annual Percentage Rate.
Our Loan Officer, Arlene, was so nice to work with. Her knowledge of the loan process and her ability to listen for what we wanted in a mortgage made the transition go smoothly. A very nice experience.
SFCU Member
I was overall pleased with my experience. Jessica, our Money Management Officer, was easy going and very professional. She understood my circumstance, had compassion and a genuine, caring, pleasant persona for my situation.
SFCU Member
I have been a member for a very long time. I am always satisfied with whatever I need to do at the Credit Union. The staff is always accommodating and courteous. The hours of operation are also very convenient.
SFCU Member