Lending Rates

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

Autos 2015 & Newer

Effective Oct 1, 2018
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.

Autos 2014 & Older

Effective Oct 1, 2018
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.

Recreational Vehicle Loans

Effective Oct 1, 2018
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.

Visa Credit Cards

Effective Oct 1, 2018
Level Purchases APR*
Platinum 9.90%
Classic 12.90% to 15.90%
View Full Visa Disclosure, including Rates, Fees and Terms.Opens in New Window
*APR=Annual Percentage Rate when you open your account, based on your creditworthiness.

Personal Loans

Effective Oct 1, 2018
Type Term APR*
Signature Loan Up to 5 Years 7.49%
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.

Home Equity Loans

Effective Oct 1, 2018
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.

Home Equity Line of Credit

Effective Oct 1, 2018
Term APR* LTV**
Open Ended 5.25% 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%.