Auto Loans

*Percentages for auto loans shown below are all Annual Percentage Rates
*Effective Date: November 12th, 2025

Auto Loan Rates
Credit Score 725 & Above 724-690 689-650 649-600 599-550 549 & Below
60 Months 4.75% 5.75% 6.75% 9.75% 14.75% 16.75%
72 Months 5.25% 6.25% 7.25% 10.25% 15.25% 17.25%
84 Months * 5.75% 6.75% 7.75% 11.75% 16.75% N/A

  • Posted rates reflect a 0.25% rate reduction for having Direct Deposit

  • Rates shown are for 2022 & newer models; Add 1.00% for 2021 & older models

  • *84-month term loans are only available for loans over $40,000.

  • Add 1.00% for all other collateral loans with titles (Boats, Campers, Trailers, etc.). Add 2.00% for all other loans without titles.

  • SMCU offers GAP Protection at a low cost of $499

  • Rates are subject to change. Please contact a loan officer to verify posted rates are correct.

Unsecured Loan Rates

Unsecured Loan Rates
Loan Type APR*
Personal Loans Starting as low as 8.00%
Credit Card 13.50%
Line of Credit 16.00%
Back to School 10.00%
Holiday 10.00%

  • Offering rates may change

  • APR=Annual Percentage Rate

Share Certificate Rates

Share Certificate Rates
Term APY**
1 Month 1.10%
2 Month 1.10%
3 Month 1.10%
6 Month 1.25%
9 Month Special (Limited Time Only) 3.85%
12 Month 1.40%
18 Month 1.50%
24 Month 1.75%
30 Month 1.85%
36 Month 2.00%

  • The APY is an annualized rate that reflects the estimated dividend earnings based on the dividend rate and frequency of compounding

  • Penalties may apply for early withdrawals from certificate accounts

  • Offering rates may change

  • Dividends compound daily, credited quarterly

  • $500 Minimum

  • **APY=Annual Percentage Yield

IRA Certificate Rates

IRA Certificate Rates
Term APY**
12 Month 1.40%
24 Month 1.75%
9 Month Special (Limited Time Only) 3.85%

  • The APY is an annualized rate that reflects the estimated dividend earnings based on the dividend rate and frequency of compounding

  • Penalties may apply for early withdrawals from certificate accounts

  • Offering rates may change

  • Dividends compound daily, credited quarterly

  • $500 Minimum

  • **APY=Annual Percentage Yield

Other Savings Plans

Other Savings Plans
Account APY**
Shares 0.25%
Special Shares 0.25%
Holiday Shares 1.00%
IRA Shares 0.25%
HSA Savings 0.25%

  • The APY is an annualized rate that reflects the estimated dividend earnings based on the dividend rate and frequency of compounding

  • Offering rates may change

  • Rates determined each quarter end

  • **APY=Annual Percentage Yield