Loan Rates

This chart discloses the current daily periodic rate and the corresponding ANNUAL PERCENTAGE RATE on all Personal / Unsecured and Secured Loans.

Account Type Maximum Term Fixed Loan Rates
Annual Percentage Rate
As Low As
Daily Periodic Rate
New & Used Auto (Vehicles 7 model years
or newer with less than 75K miles)
0 to 60 Months as low as 1.99%** .005452%
61 to 84 Months
(30K minimum)
as low as 2.49%** .006822%
Classic Auto up to 36 Months as low as 6.99%** .019151%
New RV up to 144 Months as low as 7.24%** .019836%
Used RV up to 144 Months as low as 7.24%** .019836%
New & Used Motorcycle up to 72 Months as low as 6.49%** .017781%
New Boat up to 120 Months as low as 7.24%** .019836%
Used Boat up to 120 Months as low as 7.24%** .019836%
Marine Boat up to 144 Months as low as 7.24%** .019836%

See Notes For More Rate Information

 

Method of computing the balance of purchases:
Average Daily Balance Including New Purchases
Transaction Fee for Cash Advances and Fees for Paying Late or Exceeding the Credit Limit
OVERLIMIT FEE No Overlimit Fee – ALL CREDIT CARDS
LATE FEE $7.00 – ALL PRODUCTS
CASH ADVANCE FEE No Cash Advance Fee – ALL PRODUCTS
VISA® Card Information Rate Annual Percentage Rate for Purchase Grace Period for Repayment
of Balances of Purchases
Annual Fee
Alumni Rewards VISA® 11.49% to 18.00% APR will vary with the market based on the Prime Rate. 25 Days None
Platinum Cash Back Rewards VISA® 9.49% to 17.99% APR will vary with the market based on the Prime Rate. 25 Days None
Platinum VISA® 8.99% Corresponding to a daily period rate of 0.0246% 25 Days None
Platinum VISA® (No Longer Offered) 13.99% Corresponding to a daily period rate of 0.0383% 25 Days None
Classic VISA® 17.99% Corresponding to a daily period rate of 0.0493% 25 Days None
Student VISA® 17.99% Corresponding to a daily period rate of 0.0493% 25 Days None
Secured VISA® 17.99% Corresponding to a daily period rate of 0.0493% None None
Account Type Maximum Term Fixed Rates
(as low as)
Variable Rates
(as low as)
Annual Percentage Rate Daily Periodic Rate Annual Percentage Rate Daily Periodic Rate
Line of Credit Revolving N/A N/A as low as 8.49%** .023260%
Unsecured 60 Months as low as 7.49%** .020521% N/A N/A
Share Secured See Notes For Rate & Term Information
Certificate Secured See Notes For Rate & Term Information

See Notes For More Rate Information

 

Notes:

Vehicle Loan Rate:

**The rate on this product is determined by your credit profile, amount of credit, payment method, loan term, and collateral as applicable.  Consumer Loan Rate is subject to an Ambassador Membership Rewards Level.  Current Auto Loan Rate reflects an Ambassador Membership Rewards Level bonus rate discount of 1.00% Annual Percentage Rate (APR) (0.00274 daily periodic rate). You agree to the above terms and conditions of this program. Should you decide not to continue to maintain the service which qualifies you for a special loan rate or if you are in default on any loan you have with us, we may, at our option, change the rate charged on all loans pursuant to the loan agreement to the greater of the non-reduced rate in effect when the loan was made or the non-reduced rate in effect on the date the qualifier service was terminated. When the rate increases in this fashion, it has the effect of increasing the number of payments required to pay the balance in full, your actual rate may vary.

Vehicle Loan Terms:

The terms of repayment for 84 months, which reflect the repayment obligations over the full term of the loan, including any balloon payment. (EXAMPLE: For a $35,000 new car loan for a term of 84 months with a 2.49% APR, the monthly payment will be $454.46.)

New Auto
24 months minimum financing is $5,000, 48 months or less if financing under $10,000; 60 months or less if financing $10,000 or more. Longer terms up to 84 months available for a minimum of $30,000.
Maximum loan term will be based on year and miles on vehicle (contact loan officer for terms on a specific vehicle).
Used Auto
24 months minimum financing is $5,000, 48 months or less if financing under $10,000; 60 months or less if financing $10,000 or more. Longer terms up to 84 months available for a minimum of $30,000.
Maximum loan term will be based on year and miles on vehicle (contact loan officer for terms on a specific vehicle).

Note:
Used Auto = Vehicles 7 years or newer with less than 75K miles,
Older used auto up to 10 model years, 100k miles are available at a higher rate, please contact us for details.
Classic Auto = Vehicles 20 years or older (minimum amount financed $15,000)
Vehicles 11 to 19 years old considered as Non-Conforming Auto (Rate is based on unsecured loan rate).
Motorcycle New & Used
36 months or less if financing under $5,000; 48 months or less if financing  under $10,000; 60 months or less if financing  under $15,000: 72 months or less if financing $15,000 or more.
New & Used RV
60 months or less if financing under $10,000; 84 months or less if financing $20,000 or less; 144 months or less if financing $20,001 or more.
New & Used Boat
60 months or less if financing under $10,000; 84 months or less if financing $20,000 or less; 120 months or less if financing $20,001 or more.
Marine Boat
96 months or less if financing $25,000 – $40,000; 120 months or less if financing $40,001 – $60,000; 144 months or less if financing $60,001 or more.
Line of Credit

Line of Credit Minimum Payment

The minimum payment will be 2.5% of the outstanding balance or $20.00 whichever is greater.

ANNUAL PERCENTAGE RATE [APR]

THE ANNUAL PERCENTAGE RATE [APR] will be the following “base rate” the rate posted by 70% of the nation’s largest banks known as the “The Wall Street Journal Prime Rate” and is published in the “The Wall Street Journal” plus a margin. THE ANNUAL PERCENTAGE RATE [APR] will not increase/decrease more often than once a month.

Share Secured Loan:

ANNUAL PERCENTAGE RATE (APR) is 2% above the dividend rate being paid on the share account at the time the loan is secured. The ANNUAL PERCENTAGE RATE and corresponding Daily Periodic Rate will be shown on the Loan Agreement. Maximum Term 60 months.

Certificate Secured Loan:

ANNUAL PERCENTAGE RATE (APR) is 2% above the dividend rate being paid on the certificate account at the time the loan is secured. The ANNUAL PERCENTAGE RATE and corresponding Daily Periodic Rate will be shown on the Loan Agreement. Term will match term of certificate pledge; 60 months maximum. (Remaining unpaid loan balance, if any, will be due and payable upon maturity of the certificate)

Late Charge:

If any payment is more than 10 days late, a late charge will be assessed equal to 20% of the interest due, but no less than $1.00.

Note: Rates effective February 1, 2017.  All rates and policies are subject to change without notice.

For additional information contact Member Services at 650.723.2509 or 888.723.SFCU