Loan Rates

Loan Rate Information

All loans subject to credit approval. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

Auto & Recreational Vehicles

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Account Description Maximum Term Annual Percentage
Rate As Low As*
New & Used Auto
(see additional details and disclosures below)
0 to 60 Months
61 to 84 Months
1.74% APR
2.24% APR
Classic Auto 0 to 36 Months 3.74% APR
New & Used RV 0 to 60 Months
61 to 84 Months
85 to 144 Months
3.74% APR
4.24% APR
6.24% APR
New & Used Motorcycle 0 to 60 Months
61 to 72 Months
3.74% APR
4.24% APR
New & Used Boat 0 to 60 Months
61 to 84 Months
85 to 144 Months
3.74% APR
4.24% APR
6.24% APR
View Disclosures

Effective 10/19/2021

Personal Loan & Lines of Credit

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Account Description Maximum Term Annual Percentage
Rate As Low As*
Personal Line of Credit Revolving 8.24% APR*
Personal Loan 60 Months 6.24% APR**
Share Secured Loan Call 888.723.7328 for loan
rates on your share account
Certificate Secured Loan Call 888.723.7328 for loan
rates on your certificate
View Disclosures

Effective 10/19/2021

Visa Application and Solicitation Disclosure

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases

Platinum Cash Back Visa
8.99% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Student Platinum Cash Back Visa
5.00% fixed rate for the first sixty months.
8.99% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Secured Visa
17.99%

Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa
9.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Platinum Cash Back Visa
1.99% Introductory APR for six months from account opening.

After that, your APR will be 8.99% to 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Student Platinum Cash Back Visa
5.00% fixed rate for the first sixty months.
8.99% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Secured Visa
17.99%

Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa
1.99% Introductory APR for six months from account opening.

After that, your APR will be 9.99% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Platinum Cash Back Visa
8.99% to 17.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Student Platinum Cash Back Visa
5.00% fixed rate for the first sixty months.
8.99% to 17.99% after 60 months, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Secured Visa
17.99%

Stanford Alumni Rewards Visa/Stanford Athletics® Fan Rewards Visa
9.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. This excludes our Classic Secured Visa.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

For full disclosures, visit sfcu.org/visa-agreement-disclosure-statement.

 

 

Home Equity Loan Rates

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Home Equity Loan Interest Rate APR 240 Monthly Payments
20 Yr Fixed Second Mortgage 5.000% 5.610% $1,650
HELOC 3.250% 3.250% $677
View Disclosures

Effective 10/19/2021

Mortgage Rates