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
|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
|VISA® Card Information||Rate||Annual Percentage Rate for Purchase||Grace Period for Repayment
of Balances of Purchases
|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)
(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
**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.
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.)
The minimum payment will be 2.5% of the outstanding balance or $20.00 whichever is greater.
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.
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.
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)
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