Lending Rates
Effective 1-1-2026 *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 2023 & Newer
Term
APR*
Up to 60 Months
4.99%
72 Months
6.25%
84 Months
6.99%
Effective 1-1-2026 Auto loan rates will be adjusted for the condition of the collateral, including the model year of vehicles.Autos 2022 & Older
Term
APR*
Up to 48 Months
5.29%
60 Months
5.79%
72 Months
6.59%
84 Months
7.25%
*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 1-1-2026 View Full Visa Disclosure, including Rates, Fees and Terms.Visa Credit Cards
Level
Purchases APR*
Balance Transfer APR*
Onyx
6.90%
6.90%
Platinum
9.90%
6.90%
Classic
12.90% – 15.90%
12.90% – 15.90%
*APR = Annual Percentage Rate when you open your account, based on your creditworthiness.
Effective 1-1-2026 * 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.Home Equity Line of Credit
Term
APR *
LTV **
Open Ended
7.25% Variable ***
Up to 80%
** 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%.
Effective 1-1-2026 * 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.Home Equity Loans
Term
APR *
LTV **
5 Years
5.00%
Up to 80%
10 Years
5.50%
Up to 80%
15 Years
6.00%
Up to 80%
** LTV=Loan to Value.
Effective 1-1-2026 *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.Personal Loans
Type
Term
APR*
Signature Loan
Up to 60 Months
8.99%
Signature Line of Credit
Open Ended
9.49%
Share-Secured Loan
Up to 60 Months
Share Rate + 3.00% **
Title-Secured Loan
Up to 60 Months
5.49% ***
**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 1-1-2026 Recreational Vehicle loan rates will be adjusted for the condition of the collateral, including model year of vehicles.RV & Boat Loans
Term
APR*
Up to 60 Months
6.25%
72 Months
6.79%
84 Months
7.09%
120 Months
7.39%
*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.
