Auto Loans

*Percentages for auto loans shown below are all Annual Percentage Rates

Credit Score725 & Above724-690689-650649-600599-550549 & Below
36 Months3.00%3.75%4.00%7.35%8.00%15.25%
48 Months3.50%4.00%4.25%7.45%8.25%15.50%
60 Months3.75%4.25%4.50%7.65%9.00%15.75%
  • Rates shown are for 2016-2018 models
  • Offering rates may change
  • Add 2.00% for 72 months with credit score less than 650
  • SMCU offers GAP Protection at a low cost of $350.00

Unsecured Loan Rates

Loan TypeA.P.R.*
Credit Card13.50%
Line of Credit16.00%
Back to School10.00%
Holiday10.00%
  • * A.P.R. = Annual Percentage Rate
  • Offering rates may change

Share Certificate Rates

TermA.P.Y.*
1 Month.25%
2 Month.25%
3 Month.25%
6 Month.50%
12 Month.55%
18 Month.60%
24 Month.65%
30 Month.70%
36 Month.75%
  • * A.P.Y. = Annual Percentage Yield
  • 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

 

IRA Certificate Rates

TermA.P.Y.*
12 Month.60%
24 Month.85%
  • * A.P.Y. = Annual Percentage Yield
  • 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

Other Savings Plans

PlanA.P.Y.*
Shares.20%
Special Shares.20%
Holiday Shares.20%
IRA Shares.20%
HSA Savings.20%
  • * A.P.Y. = Annual Percentage Yield
  • 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