Auto Loans

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

Credit Score725 & Above724-690689-650649-600599-550549 & Below
36 Months2.65%3.15%3.40%7.15%7.65%14.90%
48 Months2.90%3.40%3.65%7.40%7.90%15.15%
60 Months3.15%3.65%3.90%7.65%8.65%15.40%
72 Months3.15%3.65%3.90%9.65%10.65%17.40%
84 Months *3.40%3.90%4.15%9.90%10.90%N/A
  • Rates shown are for 2020 & newer models; Add 1.00% for 2019 & 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 $350.00
  • Rates are subject to change.  Please contact a loan officer to verify posted rates are correct.

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.15%
2 Month.15%
3 Month.15%
6 Month.20%
12 Month.30%
18 Month.40%
24 Month.45%
30 Month.45%
36 Month.50%
  • * 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.30%
24 Month.45%
  • * 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.15%
Special Shares.15%
Holiday Shares.15%
IRA Shares.15%
HSA Savings.15%
  • * 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