Loan Terms & Conditions

All interest rates are expressed as APR.
APR = annual percentage rate

Important Loan Terms and Conditions
SFCU membership required. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, age of collateral, occupancy of collateral property, combined loan-to-value, lien status, loan amount, as applicable) and may be higher than the lowest rates advertised. Your final APR may differ from your loan interest rate due to additional fees that may apply.

Auto Loan
Lowest rates advertised are based on an established member’s loan with a term of 60 months or less and LTV of 100% or less. Rates are higher for LTV over 100% or terms greater than 60 months. LTV is based on NADA retail value, Kelley Blue Book value or dealer invoice. Terms up to 84 months. $15,000 minimum amount financed for 72 month term and $25,000 minimum amount financed for 84 month term. Rates will increase by 2% for collateral more than 7 years old or over 100k miles. Collateral not to exceed 150,000 in mileage on gas vehicles. No restrictions on
diesel vehicles.

Boat
Available terms and loan amounts based on creditworthiness. Maximum 26’ in length with trailers. Maximum 100% LTV of NADA retail value on terms up to 180 months ($25,000 minimum finance amount). Maximum 90% LTV of NADA retail value on terms up to 240 months for A and A+ credit rating ($50,000 minimum finance amount).

RV
Available terms and loan amounts based on creditworthiness. Maximum 90% LTV of NADA retail value on terms up to 180 months ($25,000 minimum finance amount). Maximum 80% LTV of NADA retail value on terms up to 240
months for A and A+ credit rating ($50,000 minimum finance amount).

Motorcycle/Sports Vehicle
Available terms and loan amounts based on creditworthiness. Street Legal motorcycles only. Maximum 100% LTV of NADA retail value. Maximum Term up to 72 months depending on amount financed.

Personal Loans
Available terms and loan amounts based on creditworthiness. Loan amounts up to $30,000 depending on product, terms up to 72 months.

Share Secured Loan
Maximum loan amount is 100% of share account less $5 membership shares. Rate is 3% APR above share account’s current dividend rate as disclosed on your Share Account Agreement. Maximum loan term 72 months.

Home Equity Loan
For important information, see SFCU HELOC application and disclosures

*After the first 12 months your APR will be variable based on WSJ Prime + 1% with quarterly adjustments. First lien HELOCs maximum $500,000. Second lien HELOCs maximum $100,000.

Rates and Terms are subject to change without notice.