Lending Rates

Gold Star Members receive a ½% APR* discount on select loans just for using everyday services. Find out how.

Visit our Online Mortgage Center for First Mortgage Rates.

Effective Jul 1, 2017
Autos 2014 & Newer Term APR*
Up to 60 Month 2.49%
72 Month 3.75%
84 Month 4.49%
*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.

Effective Jul 1, 2017
Autos 2013 & Older Term APR*
Up to 48 Month 2.79%
60 Month 3.29%
72 Month 4.09%
84 Month 4.75%
Auto 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.

Effective Jul 1, 2017
Recreational Vehicle Loans Term APR*
Up to 60 Month 6.25%
72 Month 6.79%
84 Month 7.09%
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.

Effective Jul 1, 2017
Visa Credit Cards Level Purchases APR*
Platinum 9.90%
Classic 12.90% to 15.90%
View Full Visa Disclosure, including Rates, Fees and Terms.
*APR=Annual Percentage Rate when you open your account, based on your creditworthiness.

Effective Jul 1, 2017
Personal Loans Type Term APR*
Signature Loan Up to 1 Year 6.49%
Signature Line of Credit Open Ended 8.49%
Share-Secured Loan Up to 60 Month Share Rate + 3.00%**
Title-Secured Loan Up to 60 Month 2.49%***
*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.

Effective Jul 1, 2017
Home Equity Loans Term APR* LTV**
5 Year 3.75% Up to 80%
10 Year 4.25% Up to 80%
15 Year 4.75% 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.

Effective Jul 1, 2017
Home Equity Line of Credit Term APR* LTV**
Open Ended 4.25% 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 and a ceiling of 18%.



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