4926 La Cuenta Drive, San Diego, CA 92124
800.973.3328
sdffcu@sdffcu.org
M-F 8:00am - 3:30pm
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% |
Personal Loans
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| Personal Anytime | Up to 60 Months | 10.40% |
| Personal Property | Up to 36 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% |
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% |
| 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 Type | Annual Percentage Rate* (As Low As) |
|---|---|
| Mastercard Platinum | 9.90% |
| Mastercard Classic | 12.90% |
| Secured Mastercard | 12.90% |
| Mastercard Starter | 14.90% |
| ALL MASTERCARD TYPES | |
|---|---|
| Annual Fee | None |
| 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
Share 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% |
Share 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.