Auto Loans

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

Credit Score725 & Above724-690689-650649-600599-550549 & Below
36 Months3.50%4.00%4.25%7.50%8.00%15.25%
48 Months3.75%4.25%4.50%7.75%8.25%15.50%
60 Months4.00%4.50%4.75%7.95%9.00%15.75%
  • Rates shown are for 2018-2020 models; Rates differ for 2017 & older 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.30%
2 Month.30%
3 Month.30%
6 Month.70%
12 Month.85%
18 Month1.00%
24 Month1.10%
30 Month1.15%
36 Month1.25%
  • * 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 Month1.10%
24 Month1.35%
  • * 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.25%
Special Shares.25%
Holiday Shares.25%
IRA Shares.25%
HSA Savings.25%
  • * 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