SFCU Loan Rates

Loan Rates

Loan Type	Annual Percentage Rate (APR) All loans rates are fixed except the Home Equity Line of Credit.	Terms
Cars & Trucks (New and Used)	As low as 2.49% (up to 66 mo.)	24 - 66 Months (Terms as long as 84 months available)
Bill Consolidation	As low as 7.00%	Up to 60 Months
Other Secured*	As low as 6.50%	Varies depending on collateral
Home Improvement	As low as 5.99%	Up to 120 Months
Home Equity*** Closed End	As low as 3.75% Fixed	Up to 180 Months
Home Equity*** Line of Credit	As low as 3.00%** Variable	300 Months
Home Purchase / Refinance	Call for Current Rates	Most Types of Financing Available
Stretch Pay Loans	As low as 26.00%	6 Months
Lifestyle Loans (Unsecured)	As low as 7.00%	Up to 60 Months
Signature (Unsecured)	As low as 7.00%	Up to 60 Months
Savings Secured	3.60%	Up to 60 Months
Platinum Visa ® Credit Card	Please Click this Visa Link	No Annual Fee
* Other Secured includes Boats, Motorcycles, Mobile and Motor Homes, etc. Variable rate based on Wall Street Journal Prime Rate -0.25% as quoted the last business day each month. Rates quoted above are as of 05/01/2013. Minimum 3% and maximum of 18%. Rate subject to change monthly. No application fee. No other closing costs. Minimum payment is $50.00 per month. Cash advance minimum of $300 with a 10 year draw. A balloon payment could result at the end of the term of this loan. The length of the repayment period will depend on your outstanding balance at this time, but will in no event exceed 180 months. Payments will be a minimum of $50 or your account balance. *Residence must be owner-occupied within Ohio. No pre-payment penalties. Property insurance required.
Loan Payment Examples:
Signature Loan: $5,000 for 36 months at 7.00% APR = $154.84/mo. payment
Car/Truck Loan: $20,000 for 60 months at 2.49% APR = $355.23/mo. payment
Other Secured Loan: $15,000 for 60 months at 6.50% APR = $294.29/mo. payment
Home Equity Closed End Loan: $20,000 for 120 months at 3.75% APR = $200.44/mo. payment
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All loans subject to normal credit approval terms and risk analysis. All published rates subject to change without notice. Rates apply to new money only, except Home Equity Lines of Credit which are variable rate accounts.

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Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

Excess Share Insurance - Private insurance for member savings in excess of $250,000 to $500,000

Federally insured by NCUA

NOTICE OF EXPIRATION OF THE TEMPORARY FULL NCUA INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account will no longer receive unlimited deposit insurance coverage by the National Credit Union Association (NCUA). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by NCUA up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.