Our friend mentioned how great SFCU was to work with. The staff makes you feel welcome. Working with the mortgage team was great and very helpful.
SFCU Member
Loan Rates
New & Used Auto Loan Rates
Effective Date: Friday, January 2, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 72 Months | 6.25% | $86.18 |
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%.
2025 – 2024 is considered New Autos.
2023 – 2018 is considered Used Autos.
*APR is Annual Percentage Rate.
Boat & RV Loan Rates
Effective Date: Friday, January 2, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 72 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% downpayment required. $80,000 (new) and $60,000 (used) maximum loan amount.
*APR is Annual Percentage Rate.
Motorcycle Loan Rates
Effective Date: Friday, January 2, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed for 12 Months |
|---|---|---|
| 12 Months to 60 Months | 7.75% | $86.87 |
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: Friday, January 2, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 Months | 9.25% | $87.57 |
| 24 Months | 9.25% | $45.80 |
| 36 Months | 9.25% | $31.92 |
| 48 Months | 9.50% | $25.12 |
| 60 Months | 9.50% | $21.00 |
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: Friday, January 2, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed Borrowed for 12 Months |
|---|---|---|
| 12 Months to 36 Months | 3.50% | $84.92 |
*APR is Annual Percentage Rate.
Home Alternative Energy Loan Rates
Effective Date: Friday, January 2, 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: Friday, January 2, 2026
| Term | APR* As Low As | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 12 to 36 Months | 10.25% | $88.03 (based on a 12 month term) |
| 37 to 60 Months | 11.75% | $11.75 (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 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
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
Arlene Fortin has always been an absolute pleasure to work with.
SFCU Member