Loans
Loan Rates
Loan Rates
Rates effective January 4, 2022. Rates subject to change without notice.
| Loans | Rate as low as** |
Mo. Pmt.
per
$1000 APR* |
APR* | Term |
|---|---|---|---|---|
| New Vehicles up to 100% financing | 2.500% | $14.97 | 2.500% | 72 |
| Used Vehicles up to 100% financing | 3.500% | $17.53 | 3.500% | 60 |
| New Recreational Vehicles 90% financing | 5.50% | $19.10 | 5.500% | 60 |
| Used Recreational Vehicles 80% financing | 5.500% | $19.10 | 5.500% | 60 |
| Share and Deposit Secured | 2.000% | $17.53 | 2.000% | 60 |
| Signature | 8.000% | $31.34 | 8.000% | 36 |
| Pay Day maximum $520 loan | 18.000% |
$170.00 |
18.000% | 3 |
| VISA Classic - Unsecured | 12.500% | N/A | 12.500% | N/A |
| VISA Classic - Secured | 10.000% | N/A | 10.000% | N/A |
| VISA Gold | 10.000% | N/A | 10.000% | N/A |
* APR is Annual Percentage Rate.
**All applications are subject to qualifying requirements. All rates subject to change. Terms and rates subject to credit score.
FACT Act Notice: We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.
**All applications are subject to qualifying requirements. All rates subject to change. Terms and rates subject to credit score.
FACT Act Notice: We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.
Before you purchase or refinance your home, find out how we can save you closing costs! Call today for more information.
| First Mortgage Purchase*** | |||
|---|---|---|---|
| Term | Rate | Points | APR* |
| 5 Years | 3.250% | N/A | 3.250% |
| 7 Years | 3.50% | N/A | 3.50% |
| 10 Years | 4.00% | N/A | 4.00% |
| 15 Years | 4.25% | N/A | 4.25% |
| Term | Refinance 80% of appraisal | Purchase 95% of appraisal |
|---|---|---|
| Terms up to 5-years | 3.25% | 4.00% |
| Terms up to 7-years | 3.50% | 4.25% |
| Terms up to 10-years | 4.00% | 4.50% |
| Terms up to 15-years | 4.25% | 4.75% |
BECON Score of 650 or better
| Second Mortgage Purchase*** | |||
|---|---|---|---|
| Term | Rate | Points | APR* |
| 5 Years | 5.75% | N/A | 5.75% |
| 7 Years | 6.00% | N/A | 6.00% |
| 10 Years | 6.35% | N/A | 6.35% |
| 15 Years | 6.65% | N/A | 6.65% |
* APR is Annual Percentage Rate.
***All applications are subject to qualifying requirements. All rates subject to change. Terms and rates subject to credit score. Southern Credit Union is an Equal Housing Lender. Call or come by to speak with a loan officer for more information. NMLS # 818549
FACT Act Notice: We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.
***All applications are subject to qualifying requirements. All rates subject to change. Terms and rates subject to credit score. Southern Credit Union is an Equal Housing Lender. Call or come by to speak with a loan officer for more information. NMLS # 818549
FACT Act Notice: We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.
