Loan Rates

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* 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 10/01/2019. 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 Example: Signature Loan: $7,500 for 60 months at 6.75% Annual Percentage Rate= $148.04/month payment with a total finance charge of $1,382.40. 45 days until first payment due. All loans subject to normal credit approval terms and risk analysis. Some exclusions apply. All rates subject to change without notice. Application must be received between September 1, 2019 and September 30, 2019. Not available for refinancing of current SFCU loans. New SFCU loans only.  Rates apply to new money only. Contact SFCU staff for more information about applicable fees and terms.

All loan rates are fixed except the Home Equity Line of Credit.

Loan Payment Examples:

  • Signature Loan: $5,000 for 36 months at 7.75% APR = $156.61/mo. payment
  • Car/Truck Loan: $20,000 for 60 months at 3.24% APR = $362.00/mo. payment
  • Other Secured Loan: $15,000 for 60 months at 6.75% APR = $296.08/mo. payment
  • Home Equity Closed End Loan: $20,000 for 120 months at 4.50% APR = $207.67/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.