Loan Rates

Credit Card Rates

Card TypeAPR for PurchasesAPR for Balance TransfersAPR for Cash Advances
Visa Platinum 8.95% to 17.95% based on your credit history 8.95% to 17.95% based on your credit history 8.95% to 17.95% based on your credit history
Visa Platinum Rewards 10.95% to 17.95% based on your credit history 10.95% to 17.95% based on your credit history 10.95% to 17.95% based on your credit history
Visa Signature® 9.95% to 16.95% based on your credit history 9.95% to 16.95% based on your credit history 9.95% to 16.95% based on your credit history
Visa Secured 14.95% 14.95% 14.95%

Mortgage Rates

First Mortgage Rates

TermRatePointsAPRPayment Amount Per $1,000 Borrowed
25/30 Year Fixed as low as 4.250% 0 4.303% $4.96
20 Year Fixed as low as 4.000% 0 4.070% $6.12
15 Year Fixed as low as 3.375% 0 3.463% $7.17
10 Year Fixed as low as 3.125% 0 3.252% $9.89

The assumptions for APR and cost per thousand calculations detailed above are as follows:

  • Rate and term refinance
  • Loan amount of $185,000
  • Property Value of $250,000
  • Closing fees of $2,707
  • Credit Score >= 740

*Assumes a downpayment of 20%, a standard 45 day rate lock, and a loan amount of $150,000.

Mortgage Loans without an escrow for Real Estate taxes will be subject to an interest rate increase. Real Estate Tax escrow required on all loans with downpayments/equity less than 20%. Mortgage Loans with value in excess of 80% require Private Mortgage Insurance (PMI).

Email: Sue Camolli, Mortgage Loan Originator

Rates subject to change.

First Mortgage rates updated daily by 12 pm EST.

Apply for a First Mortgage or Get Pre-Approval »

Second Mortgage Loan Rates (5 Year)

TermRatePayment Amount Per $1,000 BorrowedAPR
5 Year - 80% Loan to Value rates as low as 3.50% $18.76 rates as low as 3.50%
5 Year - 90% Loan to Value rates as low as 7.00% $20.40 rates as low as 7.00%
5 Year - 100% Loan to Value rates as low as 14.00% $23.14 rates as low as 14.00%

Second Mortgage Loan Rates (10 Year)

TermRatePayment Amount Per $1,000 BorrowedAPR
10 Year - 80% Loan to Value rates as low as 4.00% $10.73 rates as low as 4.00%
10 Year - 90% Loan to Value rates as low as 7.50% $12.53 rates as low as 7.50%
10 Year - 100% Loan to Value rates as low as 13.00% $15.68 rates as low as 13.00%

Second Mortgage Loan Rates (15 Year)

TermRatePayment Amount Per $1,000 BorrowedAPR
15 Year - 80% Loan to Value rates as low as 6.25% $8.44 rates as low as 6.25%

Second Mortgage Loan Rates (20 Year)

TermRatePayment Amount Per $1,000 BorrowedAPR
20 Year - 80% Loan to Value rates as low as 7.25% $7.68 rates as low as 7.25%
  • Your rate will be determined by your credit report.
  • Home Equity loan rates will be increased by 0.50% if loan amount is less than $25,000.00
  • Posted rates will decrease by 1/8% if the payment is automatically deducted from the borrower's SFCU share draft account.
  • Property and/or flood insurance required.

Home Equity Lines of Credit Rates (HELOC)

TermAPRPayment Amount Per $1,000 BorrowedAssumptions
Up to 80% (Loan to Value) as low as Prime* $3.40 Platinum credit and loan amount for $25,000
85% LTV as low as Prime + 1.5% $4.03 31 day month used for payment per thousand calculation
90% LTV as low as Prime + 3.5% $5.73 Prime is currently 3.25%
95% LTV as low as Prime + 6.0% $7.86 *Floor of 4.0% on all home equity lines of credit
100% LTV as low as Prime + 9.0% $10.40  
  • Your rate will be determined by your credit report.
  • Rates on Home Equity Line of Credits will be increased by 0.50% if line amount is less than $25,000.00
  • Variable Rate is based on The Wall Street Journal Prime Rate as of the last business day of the previous billing cycle. Prime Rate is currently 3.25% APR.
  • Minimum APR 4.00%, Maximum APR 18.00%
  • Property and/or flood insurance required.

Auto Rates

TermRate*Payment Amount Per $1,000 BorrowedAssumptions
Up to 39 months as low as 2.0% APR $26.50 Platinum credit and loan amount of $15,000
51 Months as low as 2.25% APR $20.58  
63 Months as low as 2.5% APR $16.95  
75 Months as low as 3.25 APR% $14.75  
84 Months as low as 4.5% APR $13.90  

Boat & Recreational Vehicle Loan Rates

TermAPRPayment Amount Per $1,000 BorrowedAssumptions
Up to 24 months as low as 7.0% APR $44.77 Platinum credit and loan amount of $15,000
48 Months as low as 8.0% APR $24.41  
60 Months as low as 8.75% APR $20.64  
72 Months as low as 8.75 APR% $17.90  
84 Months as low as 9.50% APR $16.34  
96 Months as low as 9.50% APR $14.91  
108 Months as low as 10.00% APR $14.08  
120 Months as low as 10.00% APR $13.22  

*Your rate will be determined by your credit report & age of vehicle.

  • Minimum Loan Amount is $25,000
  • Posted rates will decrease by 1/8% if the payment is automatically deducted from the borrower's SFCU share draft account.
  • Insurance required.
  • Hybrid vehicles eligible for 1/4% discount off posted rates.
  • The maximum used car financing is NADA retail value.

Student Loans

TermAPRPayment Amount Per $1,000 Borrowed
Up to 60 months as low as 6.0% APR $19.33
120 months as low as 7.0% APR $11.61
180 months as low as 8.0% APR $9.56

Personal Loans

TermAPRPayment Amount Per $1,000 BorrowedAssumptions
12 months as low as 8.0% APR $87.76  
24 months as low as 8.5% $45.46  
36 months as low as 10.0% $32.03  
48 months as low as 11.0% $25.60  
60 months as low as 12.0% $21.99  
72 months as low as 13.0% $19.81 Minimum loan amount of $25,000 for >60 months
84 months as low as 14.0% $18.46  

Share / CD Secured Loans

TermAPRPayment Amount Per $1,000 BorrowedAssumptions
  Share/CD rate plus 3% $9.56 .05% dividend rate utilized to set loan rate. Loan amount of $15,000. Platinum credit and loan amount of $25,000.
5 Year Term      
Up to 80% Loan to Value (LTV) as low as 3.5% $18.19  
85% LTV as low as 5.0% $18.87  
90% LTV as low as 7.0% $19.80  
95% LTV as low as 9.5% $21.00  
100% LTV as low as 14.0% $23.27  
10 Year Term     Platinum Credit and loan amount of $25,000
Up to 80% (Loan to Value) as low as 4.0% $10.12  
85% LTV as low as 5.5% $10.85  
90% LTV as low as 7.5% $11.87  
95% LTV as low as 10.0% $13.22  
100% LTV as low as 13.0% $14.93  
15 Year Term     Platinum credit and loan amount of $25,000
Up to 80% (Loan to Value) as low as 6.25% $8.57  
85% LTV as low as 7.75% $9.41  
90% LTV as low as 9.75% $10.59  
95% LTV as low as 12.25% $12.16  
100% LTV as low as 15.25% $14.17  
20 Year Term     Platinum credit and loan amount of $25,000
Up to 80% (Loan to Value) as low as 7.25% $7.90  
85% LTV as low as 8.75% $8.84  
90% LTV as low as 10.75% $10.15  
95% LTV as low as 13.25% $11.89  
100% LTV as low as 16.25% $14.10