Loan Rates

Automobile and Motorcycles
Effective Date: Friday, February 23rd, 2024
CategoryYear(s)Term APR (Annual Percentage Rate) based on as low as
Automobile  2021- 2024 Up to 61 Months 6.49%

Automobile

2021 - 2024 62 to 73 Months 6.99%

Automobile

2021 - 2024 74 to 84 Months 7.74%

Automobile

2016 - 2020 Up to 61 Months 6.74%

Automobile

2016 - 2020 62 to 73 Months 7.49%

Automobile

2013 - 2015 Up to 61 Months 7.49%

Automobile

2013 - 2015 Up to 73 Months 7.74%
Automobile 2012 & Older Up to 37 Months 7.74%
*Annual Percentage Rate= APR**Apply to purchases only. Rates are subject to change at any time. Rates are as low as. Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval. Contact sfcu for more details. interest will continue to accrue if no payment is made. contact sfcu for more information. 800-589-1079.
Automobile 2012& older Up to 61 Months 8.24%
Motorcycle Titled Up to 61 months 7.49%
Motorcycle Titled Up to 73 Months 8.74%

Boat, Motor Home, and Other RV Loans
Effective Date: Friday, February 23rd, 2024
CategoryTermAPR (Annual Percentage Rate) Based on as low as
Boats, Motor Homes & Trailers* Up to 61 Months 7.240%

Boats, Motor Homes & Trailers*

Up to 73 Months 7.490%

Boats, Motor Homes & Trailers*

74-144 Months 8.250%
Other RV Titled* Up to 61 Months 7.240%
CD Secured Loan For 60 Mos. All Tiers 2.99% APR over like term CD rate
*Annual Percentage Rate=APR. APR based on sample  loan amout of 25,000, payable in the number of months shown above. Actual APR may be repayment and credit score. Must meet SFCU normal underwriting qualifications for approval. No loan fee applications apply.  Rates may change at any time. Rate is the annual rate of interest. Interest will continue to accrue if no payment is made. Contact SFCU for more details. 800-589-1079.

Signature Loans
Effective Date: Friday, February 23rd, 2024
Signature LoanTerm*APR (Annual Percentage Rate) Based on as low asExample Payment (on $1,000)
Signature Loan  14-25 Months 10.24% $75.85
Signature Loan 26-43 Months 10.49% $42.93
Signature Loan 44-60 Months 10.74% $27.36
*Annual Percentage Rate=APR. APR based on sample loan amount of 10,000 payable over the term listed above. must meet SFCU normal underwriter and qualifications and is included in the APR calculation. Rates may change at any time. contact us SFCU for more details. 
36 Month Special 36 Months 9.49% $80.91

Home Equity Loan Rates
Effective Date: Friday, February 23rd, 2024
CategoryTerm*APR (Annual Percentage Rate) Based on as low as
Home Equity (Fixed) Up to 95% LTV 60 Months 6.74%
Home Equity (Fixed) Up to 90% LTV 120 Months 7.74%
*Annual Percentage Rate.  APR based on $100,000 loan amount. credit score of 730, and estimated cost of $1,500 in closing fees. Rates may change at any time. Must meet SFCU's normal underwriting qualifications to be approved. Contact SFCU for details. No loan application fees apply. Eqaul Opportunity Lender. For application. as part of the closing procedures Sunrise  Family Credit Union will acquire a security interest in the property. Payment is calculated on 1.5% of the balance or $20 ,  which ever is greater. HELOC rates are variable and based on the index rate.

First Mortgage Rates
Effective Date: Friday, February 23rd, 2024
TermRate*APR (Annual Percentage Rate) Rates as low as
30 Year Fixed   Please Call
20 Year Fixed   Please Call

15 Year Fixed*

  Please Call
10 Year Fixed   Please Call
15 Year Balloon   Please Call
10 Year Balloon   Please Call

Rates are based Loan To Value (LTV) of 80% For rates on higher LTV's, please contact a Mortgage loan officer 989-671-6014. Interest rate example assume primary residence, estimated closing cost of $1,800.00.*APR=Annual Percentage Rate. Contact us for more information. No application Fees to apply. To get a specific rate, for your individual situation, please contact our Mortgage Department at 989.671-6014. Rates are based on a $100,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.

 

Credit Cards
TermStandard/Gold MasterCard

Annual Percentage Rate (APR) for Purchases

 

 

Standard MasterCard
8.99% to 17.99% based on your creditworthiness.

Gold MasterCard
8.99% to 17.99% based on your creditworthiness.

APR For Balance Transfers

 

 

Standard MasterCard
8.99% to 17.99% based on your creditworthiness.

Gold MasterCard
8.99% to 17.99% based on your creditworthiness.

APR for Cash Advances

 

 

Standard MasterCard
8.99% to 17.99% based on your creditworthiness.

Gold MasterCard
8.99% to 17.99% based on your creditworthiness.

How to Avoid Paying Interest on Purchases

 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial
Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
Annual Fee None
Account Set-up Fee None
Program Fee None
Participation Fee None
Additional Card Fee None
Application Fee None
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction Fee 1.00% of each transaction in U.S. dolalrs
Transaction Fee for Purchases None
Penalty Fees
Late Payment Fee Up to $25.00
Over-the-Credit Limit Fee None
Returned Payment Fee Up to $25.00

Effective Date:
The information about the costs of the card described in this application is accurate as of: June 2, 2023
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Standard MasterCard and Gold MasterCard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.

Other Fees & Disclosures:

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Recovery Fee: None.

Card Replacement Fee: $10.00.

Document Copy Fee: $2.00.

Emergency Card Replacement Fee: $25.00.

PIN Replacement Fee: None.

Rush Fee: $25.00.

Statement Copy Fee: $2.00.

Unreturned Card Fee: None.

All Rates Quoted "As Low As"
APR = Annual Percentage Rate

Go to main navigation