Loans & Credit

Affordable financing for all of your loan needs!

At Sno Falls Credit Union, we offer a variety of lending solutions that save our members time and money. Whatever your loan needs are, our lending experts can get you the affordable financing you need with less hassle and local personalized service.


Auto Loans
Apply Online

Low rates and flexible terms.

  • Cars, trucks, vans and SUVs
  • Competitive fixed rates as low as 2.49% APR*
  • Up to 130% financing for qualified members
  • Flexible repayment terms up to 84 months

Save money when you use our Auto Buying Service, powered by TRUECar.


Recreational Vehicle Loans

Buy a new or used boat, RV, motorcycle OR refinance a loan from another lender and enjoy a low rate and local service.

BoatsApply Online

  • Rates as low as 4.24% APR*
  • Up to 100% of NADA retail value
  • Up to 180 month term available on 2007 or newer ($25,000 minimum)
  • Longer terms available based on credit and LTV

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RVsApply Online

  • Rates as low as 4.99% APR*
  • Up to 90% of NADA retail value
  • Up to 180 month term available on 2007 or newer ($25,000 minimum)
  • Longer terms available based on credit and LTV

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MotorcyclesApply Online

  • Rates as low as 4.24% APR*
  • Up to 100% of NADA retail value
  • Up to 72 month term available
  • Street-legal bikes only

 


Credit Cards

We believe in improving your financial well-being. That’s why we offer two exceptional credit cards that features low fixed rates, affordability, flexibility and no balance transfer fees.

Mastercard® Platinum Cash Rewards
Apply Online

  • Low 8.90% APR* fixed rate
  • Low 1.90% APR* introductory rate on purchases and balance transfers
  • Earn up to 1.50% cash back on purchases
  • No annual fee
  • 25 day grace period on purchases
  • No balance transfer fees
  • Free ShopSPOT rewards program
  • Generous credit limits from $5,000 – $30,000
  • Same low rate for purchase, cash advances and balance transfers

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Mastercard® Platinum 


Apply Online

  • Low 13.90% APR* fixed rate
  • Low 1.90% APR* introductory rate on purchases and balance transfers
  • No annual fee
  • 25 day grace period on purchases
  • No balance transfer fees
  • Free ShopSPOT rewards program
  • Generous credit limits from $500 – $30,000
  • Same low rate for purchase, cash advances and balance transfers

For answers to Frequently Asked Question, visit EMV Chip Card Info

 


Personal Loans

Do you have a specific purpose in mind? Our personal loan may be a great option. Consolidate higher interest debt, remodel your kitchen, pay for a vacation, or cover any other need you may have. You’ll enjoy great rates and local service.

Personal / Lifestyle / SignatureApply Online

  • Rates as low as 8.49% APR*
  • Up to 72 month term
  • Fixed rate, fixed term loan for a specific expense
  • Borrow up to $30,000 (for qualified borrowers)
  • Quick and easy funding
  • No collateral required

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Personal Line of CreditApply Online

  • Low rate of 11.50% APR*
  • Access your credit line anytime
  • Funds available to cover unexpected expenses or big purchases
  • Credit lines up to $30,000 (for qualified borrowers)
  • Quick and easy funding
  • No collateral required

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Home Improvement (Unsecured)Apply Online

  • Rates as low as 11.49% APR*
  • Borrow up to $7,500
  • Up to 120 month term
  • Must be used for home improvement

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Share SecuredApply Online

  • Great tool for establishing or rebuilding your credit
  • Borrow up to 100% of your available share account balance
  • Low rate that is 3.03% APR* above Share Account’s dividend rate
  • Up to 60 month term

 


Mortgage LoansApply Online

Buy your first home, trade up to your dream home, or refinance your existing home and save. At Sno Falls Credit Union we know there is no one-size fits all mortgage loan.  We offer a wide variety of options to fit your needs.

Types of Mortgage Loans

  • Adjustable Rate Mortgages (ARMs)
  • Fixed Rate Mortgages
  • VA
  • FHA
  • Conventional

Enjoy great benefits with your Sno Falls mortgage loan.

  • Low fees & closing costs
  • Local personalized service

Contact one of our loan officers for current rates and details – (425) 888-4004

 


Home Equity LoansDownload Application

A home equity loan is an excellent choice when you want to do a major remodel or choose a home equity line of credit (“HELOC”) to pay for expenses as they arise. You can use the funds however you wish, and with a line of credit you can access your available funds any time.

Home Equity Line of Credit  (Traditional HELOC)

  • Rates as low as 5.625% APR*
  • Interest may be tax-deductible (consult your tax advisor)
  • Borrow up to 80% of your appraised home value for qualified borrowers (less any mortgages)
  • Loan limits up to $250,000* for qualified borrowers
  • Up to 240 month term available (based on loan amount and credit qualifications)
  • Convenient access to your funds
  • Variable annual rate

*First lien HELOCs maximum $250,000.  Second lien HELOCs maximum $100,000.

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HELOC Max

  • Rates as low as 9.625% APR*
  • Borrow up to 100% of your appraised home value for qualified borrowers (less any mortgages)
  • Loan limits up to $250,000* for qualified borrowers
  • Up to 240 month term available (based on loan amount and credit qualifications)

*First lien HELOCs maximum $250,000.  Second lien HELOCs maximum $100,000.

 

 

 

All Washington state residents are eligible to join.

Routing Number: 325182360 | Copyright © 2017 Sno Falls Credit Union. All rights reserved.

Equal Housing Opportunity Federally Insured by NCUA