Loan Rates

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LOAN RATES

Saginaw County Employees Credit Union Loan Rates

Updated as of 7/1/2022

*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

MAXIMUM TERMS RATES AS LOW AS*
84 months 5.75% APR*
72 months 5.00% APR*
60 months 4.50% APR*
48 months 4.25% APR*
36 months 4.00% APR*
24 months 3.75% APR*

RECREATIONAL VEHICLE LOANS

VEHICLE MAXIMUM TERMS RATES AS LOW AS*
New or Used, Boats and Recreational 60 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 * 84 months Call For Info
Home Improvement 60 months 10.00% APR*
Mobile Homes 120 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 10.00% APR*
Personal Loan (over $1,000) 10.00% APR*
Personal Loan ($1,000 or less) 15.00% APR*
30-60-90 Day Note 15.00% APR*