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Are there any fees to apply for a loan?

Most SFCU loans do not have an application fee, allowing members to apply for financing without upfront application costs.

While consumer loans such as auto loans, personal loans, and many other lending products typically do not require an application fee, certain loan types, including mortgages and commercial loans, may have fees associated with the application, underwriting, appraisal, or closing process.

How much are closing costs on a mortgage? Mortgage closing costs vary depending on the loan amount, loan type, property, and other details of the transaction. Closing costs may include expenses such as lender fees, appraisal fees, title services, recording fees, taxes, and prepaid items like homeowners insurance and property taxes. You’ll receive an estimate of your expected closing costs during the mortgage process so you can understand how much you may need at closing. Mortgage Closing Cost Calculator

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Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.

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Already a Member?

Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

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Check your application status

Let's Get Started!

Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy.  Just click the link below to begin opening your account.

Open an Account

Already a Member?

Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

Add a Product

 

Check your application status

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SFCU Closed for Indigenous People's Day Please be advised that all SFCU branches will closed on Monday, 10/12/2026. Our ATMs and chat services will be available.