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Terms and Rates
 

Loan Type Maximum Amount APR Term

New Vehicle
Used Vehicle

Up to $50,000

2.99%
3.50%

24-84 Months 24-72 Months
Unsecured $500 - $25,000 9.00% 24-72 Months
Line of Credit
 $500 - $25,000  9.00%* Revolving
VISA Platinum
 $5,000 - $25,000  9.9%  Revolving
VISA Platinum $500 - $15,000
up to 14.00% Revolving
VISA Share Secured
  $500  and up  12.00% Revolving
Share Secured
150% of available Shares on deposit
 3% points above the current dividend rate  Up to 120 Months

ShareTerm Certificate Secured

100% of available Certificate funds on deposit
Up to 3% points above the current dividend rate
Up to 120 Months
Our best rate offered to qualified members on approved credit. Rates are subject to change at any time and vary upon individual FICO score, term and other factors. Contact a Member Service Representative to determine your APR. 

Click here to reach the IFMA (Independent Fleet Managers Association) for new and used vehicles at fleet manager prices.

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* FIXED RATE LOANS *
Effective March 2014

LOAN TERM VEHICLE LOAN UNSECURED LOAN LINE OF CREDIT
24 - 72 mos as low as
2.99%
as low as
6.75%
as low as
8.75%

THE FIXED RATES QUOTED ARE SPCU'S BEST RATES FOR EACH LOAN TERM. A BORROWER'S FINAL RATE IS BASED ON THEIR INDIVIDUAL QUALIFICATIONS (Credit Score & terms).

Home Equity VISA Gold - Introductory Rate 4.50% for 6 months Unsecured VISA Gold Fixed Rate as low as 9.9%


For Real Estate Information, Call our Real Estate Loan Department at (650) 588-6140

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