Competitive Rates


Earn more with better rates.

  • We’ll pay your closing costs.

    For a limited time, SCU will pay all normal closing costs on new traditional home equity lines of credit. (No more than once every 24 months.)

    APR

    2.9% APR for the first year, then APR adjusts to the Prime Rate, as reported by the Wall Street Journal, plus 1.00% APR with a maximum rate of 18.00% APR.  As of 9/26/2018, the Prime Rate was 5.25%.  Accordingly, the APR for a Home Equity Line of Credit will go to 6.25% APR after the first year. Rates adjust quarterly if there is a change in the Prime Rate.  For a printable version of our Loan Rates, click here (49KB PDF).

    Flood/property/hazard insurance may be required.

  • Vehicle Loans

    • Vehicle Type:

      New Autos, Trucks, Vans

      APR:

      1.99% to 10.69%

    • Vehicle Type:

      New Boats, Motors, Trailers

      APR:

      4.20% to 13.45%

    • Vehicle Type:

      New RVs, Campers, Customized Vans, Motor Homes

      APR:

      4.20% to 13.45%

    • Vehicle Type:

      Used Autos, Trucks, Vans

      APR:

      3.24% to 11.94%

    • Vehicle Type:

      Used Boats, Motors, Trailers

      APR:

      5.45% to 14.70%

    • Vehicle Type:

      Used RVs, Campers, Customized Vans, Motor Homes

      APR:

      5.45% to 14.70%

    Apply Online

    Rates effective as of September 8, 2017
    Subject to term, credit worthiness, and member’s credit union relationship. APR’s of 1.99% and 3.24% are for a 36-month term or less.) Rates, conditions, and programs are subject to change without notice.

  • Personal Loans

    • Loan Type:

      Savings Secured

      APR:

      Regular Savings rate +3%

    • Loan Type:

      Certificate Secured

      APR:

      Rate of certificate +3%, not to exceed 18.00% or be less than savings-secured loan rate

    • Loan Type:

      Secured for New Equipment (computers, furniture, appliances, etc.)

      APR:

      8.35% to 16.35%

    • Loan Type:

      Secured for Used Equipment

      APR:

      9.35% to 17.35%

    • Loan Type:

      Personal Loans & Lines of Credit

      APR:

      10.44% to 17.94%

    • Loan Type:

      Overdraft Line of Credit (with SCU checking account)

      APR:

      10.44% to 17.94%

    Apply Online

    Rates effective as of September 8, 2017
    Subject to term, credit worthiness, and member’s credit union relationship. Rates, conditions, and programs are subject to change without notice.

  • Visa Credit Cards

    State Credit Union has one of the best credit card programs in the country. Featuring incredibly low rates, rewards points for every purchase, and no annual fee, we have something for every need.

    To view our great, low credit card rates, please see our Visa Credit Card page.

    View Rates

  • Good for a first mortgage and its unimproved property. For rates, contact a SCU loan officer at 800-868-8740, ext. 8760.

For a printable version of our loan rates, click here (49.5 KB PDF).

Apply for a Loan

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