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
Loan Rates
New & Used Auto Loan Rates
Effective Date: Tuesday, March 31, 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, March 31, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 72 Months | 8.25% | $87.10 |
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, March 31, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 60 Months | 7.50% | $86.76 |
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, March 31, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 Months | 9.00% | $87.45 |
| 24 Months | 9.00% | $45.68 |
| 36 Months | 9.00% | $31.80 |
| 48 Months | 9.25% | $25.00 |
| 60 Months | 9.25% | $20.88 |
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, March 31, 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, March 31, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 Months | 7.00% | $86.53 |
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, March 31, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 to 36 Months | 10.00% | $87.92 (based on a 12 month term) |
| 37 to 60 Months | 11.50% | $32.23 (based on a 37 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 Money Management Officer, Kassandra, was great to work with. I do not think she could do better.
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
This was the first time I had purchased a vehicle without going through a dealer for financing. When I went to the Credit Union I was seen immediately by the Loan Department. The Loan Officer was very knowledgeable. I was given a list of documents to gather and was promptly taken care of when I returned with them. My wife will be contacting your office about refinancing her student loans.
SFCU Member