Auto Loans

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

Credit Score725 & Above724-690689-650649-600599-550549 & Below
36 Months6.25%7.25%8.25%11.25%16.25%18.00%
48 Months6.50%7.50%8.50%11.50%16.50%18.00%
60 Months6.75%7.75%8.75%11.75%16.75%18.00%
72 Months6.75%7.75%8.75%11.75%16.75%18.00%
84 Months *7.00%8.00%9.00%12.00%17.00%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 Month1.10%
2 Month1.10%
3 Month1.10%
6 Month1.25%
12 Month1.40%
18 Month1.50%
24 Month1.75%
30 Month1.85%
36 Month2.00%
  • * 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 Month1.40%
24 Month1.75%
  • * 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

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