Auto Advantage

Future, Current and Previous Three Model Years**

Approximate Repayment TermPresent APR As Low As*
24 Months1.74%
36 Months2.49%
48 Months2.74%
60 Months2.74%
72 Months3.49%
Click here to view the Auto Advantage page.
 
Annual Percentage Rate. Published rate applies to vehicle model years '11 - '14 for 24, 36, 48, 60 and 72 month terms. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - 4/24/2014 and subject to change without notice.

SEFCU limits terms based on vehicle year due to future residual value:

 

Year Loan Term Mileage May NOT Exceed
Future Model Year           24, 36, 48, 60, 72    

30,000

Current Model Years 24, 36, 48, 60, 72

30,000

1 Year Old Models 24, 36, 48, 60, 72***

30,000

2 Year Old Models 24, 36, 48, 60, 72

60,000

3 Year Old Models 24, 36, 48, 60, 72

75,000


*** Month Financing is available on all "New" previous (up to 1) Year models. Untitled previous year models with 3,000 miles or less on the odometer are considered new.



Education Loans

Rate StructureTermPresent APR* As Low AsMinimum APR*
Fixed RateDraw Period9.00%8.50%
Fixed RateRepay Period9.50%8.50%
Variable Rate8.50%8.50%

SEFCU offers fixed or variable rate education products. Line of credit and Term loans are available along with Interest Only or Principal and Interest payment options. Maximum maturity for term loans is 15 years. Special rules may apply for each option. See loan officer for details.

Click here to view the Education Loan page.
 
APR = Annual Percentage Rate. All loans subject to creditworthiness. Rates accurate as of today - 4/24/2014 and subject to change without notice. Special rules apply for each option. For variable rate lines of credit, the APR on all new advances and existing balances may change quarterly on the first day of January, April, July, and October of each calendar year. The APR is based on the value of an Index. The Index is the weekly average yield on United States Treasury Securities, adjusted to a constant maturity of (1) one year.

New Auto/RV/Boat

Model Years '11 - '14

Approximate Repayment TermPresent APR As Low As*
New Auto24 Months0.99%
New Auto36 Months1.74%
New Auto48 Months1.99%
New Auto60 Months1.99%
New Auto72 Months2.74%
New RV & Boat24 Months2.24%
New RV & Boat36 Months2.24%
New RV & Boat48 Months2.49%
New RV & Boat60 Months2.99%
New RV & Boat72 Months3.24%
New RV & Boat73-180 Months7.49%
Click here to view the New Auto Loan page.

Click here to view the New Boat/RV Loan page.
 
Annual Percentage Rate. Published rate applies to vehicle model years '11 - '14. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Monthly loan payment example: a $20,000 loan at 1.99% for 60 months, with no additional payment protection, would be $350.49. Rates accurate as of 4/24/2014 and subject to change without notice. Published rates are for new SEFCU loans.

New Sportscraft

Model Years '11 - '14

Approximate Repayment TermPresent APR As Low As*
24 Months5.24%
36 Months5.24%
48 Months5.24%
60 Months5.44%
72 Months6.49%
Click here to view the New Sportscraft Loan page.
 
Annual Percentage Rate. Published rate applies to vehicle model years '11 - '14. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - 4/24/2014 and subject to change without notice. Published rates are for new SEFCU Loans.


Personal Line of Credit

Loan Sub-Account Description% Above IndexDaily Periodic RatePresent APR As Low As*Minimum APR
Rate may vary based on credit worthiness5.50%0.023288%8.75%5.50%
Click here to view the Personal Line of Credit page.

APR =Annual Percentage Rate is variable and is subject to change quarterly based on the Prime Rate in the Wall Street Journal on the first day of January, April, July, and October.
Prime Rate plus 5.5%, currently as low as 8.75% based on creditworthiness. Rates accurate as of today - 4/24/2014 and subject to change without notice.

Each member on the account must apply for the Personal Line of Credit.

Used Auto/RV/Boat

Model Years '07 - '10

Approximate Repayment TermPresent APR As Low As*
Used Auto36 Months2.24%
Used Auto48 Months2.24%
Used Auto60 Months2.24%
Used RV & Boat36 Months2.75%
Used RV & Boat48 Months2.75%
Used RV & Boat60 Months3.25%
Used RV & Boat61-84 Months7.99%
Click here to view the Used Boat/RV Loan page.
 
Annual Percentage Rate. Published rate applies to vehicle model years '07 - '10 for 36, 48, 60-month terms. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply.

Used Auto/RV/Boat

(Model Years '03 - '06)

Approximate Repayment TermPresent APR**
Older Auto36 Months5.99%
Older Auto48 Months5.99%
Older RV & Boat36 Months6.50%
Older RV & Boat48 Months6.50%
Older RV & Boat49-84 Months8.24%
 Click here to view the Used Boat/RV Loan page.
 
Annual Percentage Rate. Published rate applies to vehicle model years '03 - '06 for 36, 48-month terms. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply.

Unsecured Personal Loans

Approximate Repayment TermPresent APR As Low As*
12 Months5.99%
18 Months5.99%
24 Months5.99%
36 Months6.24%
48 Months6.24%
60 Months6.24%
Click here to view the Unsecured Personal Loan page.
 
Annual Percentage Rate. Rate listed includes a quarter percent discount for electronic payment and assumes creditworthiness. Rates accurate as of today 4/24/2014 and subject to change without notice. Published rate is for new SEFCU loans.

Used Sportscraft

Model Years '07 - '10

Approximate Repayment TermPresent APR As Low As*
36 Months5.84%
48 Months5.99%
60 Months6.54%
Click here to view the Used Sportscraft page.
 
Annual Percentage Rate. Published rate applies to vehicle model years '07 - '10 for 36, 48, 60-month terms. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply.

Share Secured Loans

Loan Sub-Account Description% Above IndexPresent APR As Low As*Minimum APR
Primary Share Secured1.50%1.60%1.50%
Certificate Share Secured1.50%Rate will vary according to current certificate dividend rate earned. See SEFCU Loan Officer for additional details.1.50%
Click here to view the Share Secured Loans page.
 
Annual Percentage Rate is variable and is based on the share dividend rate (index), set by the credit union, plus a margin and is subject to change quarterly on the first day of January, April, July, and October. Rates accurate as of today - 4/24/2014 and subject to change without notice. Minimum $35 monthly payment.

Visa Products

Visa ProductsIntroductory APR (as low as)Standard APR (as low as)
Visa Platinum Card 6.90%*8.24% After First 6 Months
Visa Platinum Secured CardN/A6.25%** (Prime Rate + 3.0%)
 

Click here to view the Visa® products page.
 
Annual Percentage Rate on all credit cards is variable. Applies to purchases and cash advances for the first 6 months of account activation; 8.24% thereafter. Published rate assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - 4/24/2014 and subject to change without notice. The Finance Charge (interest) on purchases and cash advances is calculated by adding 4.99% to the highest Prime Rate published in the Wall Street Journal on the second Tuesday of February, May, August, and November. The new rate will be effective with the first billing cycle of April, July, October, and January respectively. As of February 2014, the Prime Rate was 3.25% Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 8.24%. Future prime rates and corresponding APRs will vary.



Applies to purchases and cash advances; Prime Rate plus 3.0%. This is based upon the card being secured by SEFCU Mint Savings, SEFCU Preferred Savings, or SEFCU Share Certificate with a balance equal to the approved credit limit plus an additional 10%. The Finance Charge (interest) on purchases and cash advances is calculated by adding 3.0% to the highest Prime Rate published in the Wall Street Journal on the second Tuesday of February, May, August, and November. The new rate will be effective with the first billing cycle of April, July, October, and January respectively. As of February 2014, the Prime Rate was 3.25% Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 6.25%. Future prime rates and corresponding APRs will vary.