Lending Rates
Gold Star Members receive a ½% APR* discount on select loans just for using everyday services. Find out how.
Autos 2021 & Newer
Effective Jan 1, 2024| Term | APR* |
|---|---|
| Up to 60 Month | 5.49% |
| 72 Month | 6.75% |
| 84 Month | 7.49% |
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. The rates as shown here include the .5% APR Gold Star Member Discount for qualifying borrowers. SVFCU will determine your rate based on credit rating, credit history, income, debt, and other underwriting factors as well as Gold Star Member status. We will offer the best possible rate based on your qualifications.
Autos 2020 & Older
Effective Jan 1, 2024| Term | APR* |
|---|---|
| Up to 48 Month | 5.79% |
| 60 Month | 6.29% |
| 72 Month | 7.09% |
| 84 Month | 7.75% |
Auto loan rates will be adjusted for the condition of the collateral, including the model year of vehicles.
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. The rates as shown here include the .5% APR Gold Star Member Discount for qualifying borrowers. SVFCU will determine your rate based on credit rating, credit history, income, debt, and other underwriting factors as well as Gold Star Member status. We will offer the best possible rate based on your qualifications.
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. The rates as shown here include the .5% APR Gold Star Member Discount for qualifying borrowers. SVFCU will determine your rate based on credit rating, credit history, income, debt, and other underwriting factors as well as Gold Star Member status. We will offer the best possible rate based on your qualifications.
Recreational Vehicle Loans
Effective Jul 1, 2023| Term | APR* |
|---|---|
| Up to 60 Month | 6.25% |
| 72 Month | 6.79% |
| 84 Month | 7.09% |
| 120 Month | 7.39% |
Recreational Vehicle loan rates will be adjusted for the condition of the collateral, including model year of vehicles.
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. The rates as shown here include the .5% APR Gold Star Member Discount for qualifying borrowers. SVFCU will determine your rate based on credit rating, credit history, income, debt, and other underwriting factors as well as Gold Star Member status. We will offer the best possible rate based on your qualifications.
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. The rates as shown here include the .5% APR Gold Star Member Discount for qualifying borrowers. SVFCU will determine your rate based on credit rating, credit history, income, debt, and other underwriting factors as well as Gold Star Member status. We will offer the best possible rate based on your qualifications.
Visa Credit Cards
Effective Jul 1, 2023| Level | Purchases APR* |
|---|---|
| Platinum | 9.90% |
| Classic | 12.90% to 15.90% |
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*APR=Annual Percentage Rate when you open your account, based on your creditworthiness.
*APR=Annual Percentage Rate when you open your account, based on your creditworthiness.
Personal Loans
Effective Jul 1, 2023| Type | Term | APR* |
|---|---|---|
| Signature Loan | Up to 60 Month | 8.99% |
| Signature Line of Credit | Open Ended | 9.49% |
| Share-Secured Loan | Up to 60 Month | Share Rate + 3.00%** |
| Title-Secured Loan | Up to 60 Month | 5.49%*** |
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. The rates as shown here include the .5% APR Gold Star Member Discount for qualifying borrowers. SVFCU will determine your rate based on credit rating, credit history, income, debt, and other underwriting factors as well as Gold Star Member status. We will offer the best possible rate based on your qualifications.
**Rate equals share or certificate rate at time of loan plus 3.00%
***Rate will be adjusted for the condition of the collateral, including model year of vehicles.
**Rate equals share or certificate rate at time of loan plus 3.00%
***Rate will be adjusted for the condition of the collateral, including model year of vehicles.
Home Equity Loans
Effective Jul 1, 2023| Term | APR* | LTV** |
|---|---|---|
| 5 Year | 5.25% | Up to 80% |
| 10 Year | 5.75% | Up to 80% |
| 15 Year | 6.25% | Up to 80% |
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. The rates as shown here include the .5% APR Gold Star Member Discount for qualifying borrowers. SVFCU will determine your rate based on credit rating, credit history, income, debt, and other underwriting factors as well as Gold Star Member status. We will offer the best possible rate based on your qualifications.
**LTV=Loan to Value.
**LTV=Loan to Value.
Home Equity Line of Credit
Effective Jul 1, 2023| Term | APR* | LTV** |
|---|---|---|
| Open Ended | 8.25% Variable*** | Up to 80% |
*APR=Annual Percentage Rate. Rates are subject to change at any time. All rates are the lowest rates available. Rates can be adjusted, based upon the borrower's credit rating. SVFCU will determine your rate based on credit history, income and debt. We will offer the best possible rate based on your qualifications.
**LTV=Loan to Value.
***Rate is subject to change quarterly. Rate is equal to the Prime Rate plus a margin, with a floor of 3.99% and a ceiling of 18%.
**LTV=Loan to Value.
***Rate is subject to change quarterly. Rate is equal to the Prime Rate plus a margin, with a floor of 3.99% and a ceiling of 18%.
