Auto Advantage

Future, Current and Previous Three Model Years**

Approximate Repayment TermPresent APR As Low As*   
24 Months2.74%
36 Months2.99%
48 Months3.24%
60 Months3.34%
72 Months3.44%
Click here to view the Auto Advantage page.
Annual Percentage Rate. Published rate applies to vehicle model years '15 - '19 for 24, 36, 48, 60 and 72 month terms. Rate listed assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - 5/25/2018 and subject to change without notice. This loan is eligible for our Active U.S. Military and Veteran program. Click here for more information.

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.

Student Loans

     
Click here to view the Student Loan page.

New Auto

Model Years '15 - '16

 Approximate Repayment Term Present APR As Low As*  
New Auto24 Months1.99%
New Auto36 Months2.24%
New Auto48 Months2.49%
New Auto60 Months2.59%
New Auto72 Months2.69%
Click here to view the New Auto Loan page.
Annual Percentage Rate. Published rate applies to vehicle model years '15 - '16. Rate listed assumes credit worthiness. Other rates and terms may apply. Monthly loan payment example: a $20,000 loan at 2.59% for 60 months, with no additional payment protection, would be $356.13. Rates accurate as of 5/25/2018 and subject to change without notice. Published rates are for new SEFCU loans. This loan is eligible for our Active U.S. Military and Veteran program (click here for more information).

New Sportscraft

Model Years '15 - '19

Approximate Repayment TermPresent APR As Low As*   
24 Months5.49%
36 Months5.49%
48 Months5.49%
60 Months5.69%
72 Months6.74%
Click here to view the New Sportscraft Loan page.
Annual Percentage Rate. Published rate applies to vehicle model years '15 - '19. Rate listed assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - 5/25/2018 and subject to change without notice. Published rates are for new SEFCU Loans. This loan is eligible for our Active U.S. Military and Veteran program. Click here for more information.


Personal Line of Credit

Loan Sub-Account Description% Above IndexDaily Periodic RatePresent APR As Low As* 
Rate may vary based on credit worthiness5.50%0.028082%10.25%
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 10.25% of today - 5/25/2018 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 '11 - '14

 Approximate Repayment TermPresent APR As Low As*  
Used Auto36 Months2.49%
Used Auto48 Months2.49%
Used Auto60 Months2.59%
Used RV & Boat36 Months3.75%
Used RV & Boat48 Months3.75%
Used RV & Boat60 Months4.00%
Used RV & Boat61-84 Months9.00%
Click here to view the Used Boat/RV Loan page.
Annual Percentage Rate. Published rate applies to vehicle model years '11 - '14 for 36, 48, 60-month terms. Rate listed assumes creditworthiness. Other rates and terms may apply. This loan is eligible for our Active U.S. Military and Veteran program. Click here for more information.

Used Auto/RV/Boat

(Model Years '07 - '10)

 Approximate Repayment TermPresent APR**  
Older Auto36 Months6.24%
Older Auto48 Months6.24%
Older RV & Boat36 Months6.75%
Older RV & Boat48 Months6.75%
Older RV & Boat49-84 Months8.49%
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-month terms. Rate listed assumes creditworthiness. Other rates and terms may apply. This loan is eligible for our Active U.S. Military and Veteran program. Click here for more information.

Unsecured Personal Loans

Approximate Repayment TermPresent APR As Low As*   
12 Months6.24%
18 Months6.24%
24 Months6.24%
36 Months6.49%
48 Months6.49%
60 Months6.75%
Click here to view the Unsecured Personal Loan page.
Annual Percentage Rate. Rate listed assumes creditworthiness. Rates accurate as of today 5/25/2018 and subject to change without notice. Published rate is for new SEFCU loans.

Used Sportscraft

Model Years '11 - '14

Approximate Repayment TermPresent APR As Low As*   
36 Months6.09%
48 Months6.24%
60 Months6.79%
Click here to view the Used Sportscraft page.
Annual Percentage Rate. Published rate applies to vehicle model years '11 - '14 for 36, 48, 60-month terms. Rate listed assumes creditworthiness. Other rates and terms may apply. This loan is eligible for our Active U.S. Military and Veteran program. Click here for more information.

Share Secured Loans

Loan Sub-Account Description% Above IndexPresent APR As Low As*Minimum APR 
Primary Share Secured1.50%1.70%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 - 5/25/2018 and subject to change without notice. Minimum $35 monthly payment.

     
Mastercard® ProductsAPR for Purchases & Balance Transfers (as low as)APR for Cash Advances (as low as)
Lightning Credit Card12.49%*14.49%*
Mastercard Credit Card 9.49%*11.49%*
World Mastercard10.49%*12.49%*
Mastercard Secured Credit Card7.50%**9.50%**

Click here
to view the Mastercard products page.

To review complete disclosures, click here.



Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers, and cash advances. Published rate assumes credit worthiness. Other rates and terms may apply. Rates accurate as of today, 5/25/2018, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. The new rate will be effective with the first billing cycle of April, July, October, and January, respectively. As of February 2018, the Prime Rate is 4.50%. Future Prime Rates and corresponding APRs will vary.

Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers and cash advances. This is based upon the card being secured by a SEFCU Mint Savings, SEFCU Preferred Savings, or SEFCU Share Certificate with a balance equal to the approved credit limit plus an additional 10%. Rates accurate as of today, 5/25/2018, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any change in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. The new rate will be effective with the first billing cycle of April, July, October, and January, respectively. As of February 2018, the Prime Rate is 4.50%. Future Prime Rates and corresponding APRs will vary.