Rates

Lending Rates

Auto Loans

Loan Type Approximate Term Annual Percentage Rate*
(As Low As)
New & Used Auto Up to 36 Months 4.74%
New & Used Auto Up to 66 Months 5.49%
New & Used Auto Up to 75 Months 5.99%
New & Used Auto Up to 84 Months 6.74%
Older Used Auto Up to 48 Months 7.49%
Credit Rebuilder Auto 15.00%
Credit Starter Auto 15.00%

Personal Loans

Loan Type Approximate Term Annual Percentage Rate*
(As Low As)
Personal Anytime Up to 60 Months 10.40%
Credit Rebuilder 18.00%
Personal Property Up to 48 Months 10.90%
Personal Line of Credit Up to 60 Months 9.90%
Vacation Up to 12 Months 9.90%
Christmas Up to 12 Months 9.90%
Disaster Prep or Recovery 7.25%

Other Secured Loans

Loan Type Approximate Term Annual Percentage Rate*
(As Low As)
New & Used Boat Up to 60 Months 6.49%
New & Used Boat Up to 72 Months 6.74%
New & Used Boat Up to 84 Months 7.74%
New & Used Boat Up to 120 Months 7.99%
New & Used RV/Motorhome Up to 60 Months 6.49%
New & Used RV/Motorhome Up to 72 Months 6.74%
New & Used RV/Motorhome Up to 84 Months 7.74%
New & Used RV/Motorhome Up to 120 Months 7.99%
New & Used RV/Motorhome Up to 144 Months 7.99%
New & Used RV/Motorhome Up to 180 Months 8.24%
Disaster Prep or Recovery 7.25%
New & Used Motorcycle Up to 60 Months 6.49%
New & Used Motorcycle Up to 72 Months 6.74%
New Tractor Up to 60 Months 8.90%

Credit Cards

MASTERCARD PLATINUM
Annual Fee None
APR* for Purchases 9.90%
Method of computing the balance for purchases and cash advances Average Daily Balance (Including new purchases)
Minimum Finance Charge $0.50
Transaction Fee for Purchases None
Over Credit Limit Fee $10.00
MASTERCARD CLASSIC
Annual Fee None
APR* for Purchases 12.90%
Method of computing the balance for purchases and cash advances Average Daily Balance (Including new purchases)
Minimum Finance Charge $0.50
Transaction Fee for Purchases None
Over Credit Limit Fee $10.00
MASTERCARD STARTER
Annual Fee None
APR* for Purchases 14.90%
Method of computing the balance for purchases and cash advances Average Daily Balance (Including new purchases)
Minimum Finance Charge $0.50
Transaction Fee for Purchases None
Over Credit Limit Fee $10.00

Home Loans

Loan Type Approximate Term Annual Percentage Rate*
(As Low As)
Land Loan Up to 60 Months 6.99%
Land Loan Up to 120 Months 7.74%
Land Loan Up to 144 Months 7.74%
Land Loan Up to 180 Months 7.74%
Land Loan Up to 240 Months 7.99%
Home Equity Up to 60 Months 6.74%
Home Equity Up to 120 Months 6.99%
Home Equity Up to 180 Months 7.24%
Home Equity Up to 240 Months 7.49%
First Mortgage Refinance Up to 60 Months 6.49%
First Mortgage Refinance Up to 120 Months 6.74%
First Mortgage Refinance Up to 180 Months 6.99%

Savings Rates

Savings Accounts

Shares Interest Rate Annual Percentage Yield**
Regular Savings 0.35% 0.35%
Christmas Club 0.35% 0.35%
Health Savings Account (HSA) 0.35% 0.35%

Savings Certificates

Savings Certificates Interest Rate Annual Percentage Yield**
3 Month Term 0.90% 0.90%
6 Month Term 1.98% 2.00%
9 Month Term 3.69% 3.75%
12 Month Term 2.72% 2.75%
18 Month Term 2.72% 2.75%
24 Month Term 2.72% 2.75%
30 Month Term 2.72% 2.75%
36 Month Term 2.72% 2.75%

Individual Retirement Accounts

IRA Certificates Interest Rate Annual Percentage Yield**
12 Month Term 2.72% 2.75%
24 Month Term 2.72% 2.75%
36 Month Term 2.72% 2.75%

All rates effective January 1, 2025.

LOAN QUESTIONS?

Email loans@srcfcu.org, call (850) 623-3877, or visit one of our branch locations.