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Loan Rates

Rates effective August 11,2021. 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 2.000% $17.53 2.000% 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.

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.

Equal Housing Lender