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 | 3.00% | 3.75% | 4.00% | 7.35% | 8.00% | 15.25% |
| 48 Months | 3.50% | 4.00% | 4.25% | 7.45% | 8.25% | 15.50% |
| 60 Months | 3.75% | 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
| 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 | .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
| Term | A.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
| Plan | A.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