Auto Loans
*Percentages for auto loans shown below are all Annual Percentage Rates
| Credit Score | 725 & Above | 724-690 | 689-650 | 649-600 | 599-550 | 549 & Below |
|---|
| 36 Months | 2.65% | 3.15% | 3.40% | 7.15% | 7.65% | 14.90% |
| 48 Months | 2.90% | 3.40% | 3.65% | 7.40% | 7.90% | 15.15% |
| 60 Months | 3.15% | 3.65% | 3.90% | 7.65% | 8.65% | 15.40% |
| 72 Months | 3.15% | 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.
| Loan Type | A.P.R.* |
|---|
| Credit Card | 13.50% |
| Line of Credit | 16.00% |
| Back to School | 10.00% |
| Holiday | 10.00% |
- * A.P.R. = Annual Percentage Rate
- Offering rates may change
| Term | A.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
| Term | A.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
| Plan | A.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