LOAN RATES
Updated as of 1/3/2022
*Rates subject to change at any time – the credit union should be contacted for the current rates.
APR = Annual Percentage Rate
*ALL RATES ARE SUBJECT TO CREDIT SCORES AND MAY DIFFER FROM QUOTED RATE.
AUTOMOBILE LOANS
| VEHICLE MODEL YEAR | MAXIMUM TERMS | RATES AS LOW AS* |
| 2022-2020 | 84 months | 5.25% APR* |
| 2022-2020 | 78 months | 4.75% APR* |
| 2019 or newer |
66 months | 4.25% APR* |
| 2019 or newer | 48 months | 3.99% APR* |
| 2019 or newer | 36 months | 3.75% APR* |
| 2018 & older |
48 months | 4.50% APR* |
RECREATIONAL VEHICLE LOANS
| VEHICLE | MAXIMUM TERMS | RATES AS LOW AS* |
| New or Used, Boats and Recreational | 66 months | 5.49% APR* |
| New or Used, Boats and Recreational | 84 months | 5.99% APR* |
MORTGAGE & HOME EQUITY LOANS
*Rates Adjusted Daily – Please Call 989-793-9188 for the Current Mortgage Rates*
| FIRST MORTGAGES |
Maximum Terms | RATES START AT* |
| Fixed Home Equity – up to 80% LTV 1 | 84 months | Call For Info |
| Home Improvement | 48 months | 8.00% APR* |
| Mobile Homes | 84 months | 10.00% APR* |
*RATES SUBJECT TO CREDIT SCORE. RATES SUBJECT TO CHANGE AT ANY TIME – THE CREDIT UNION SHOULD BE CONTACTED FOR THE CURRENT RATES.
SHARE PLEDGE LOANS
| Share Pledge Loans | 6.75% APR | |
| Certificate of Deposit (CD) Pledge Loan | minimum of 6.00% APY | 3.00% APR + Certificate |
OTHER AVAILABLE LOANS
| RATES AS LOW AS* | ||
| SCECU MasterCard | Revolving | 9.99% APR* |
| Overdraft Protection Loan | Revolving | 15.00% APR* |
| Revolving Line of Credit | Revolving | 5.90% APR* |
| Personal Loan (over $1,000) | 8.00% APR* | |
| Personal Loan ($1,000 or less) | 15.00% APR* | |
| 30-60-90 Day Note | 15.00% APR* |
