Get a lower rate compared to most other loan types
Nobody likes wasting money paying interest. With a share secured loan from SFCU, your loan is backed by the money in your savings account. Since the funds are secure, you can enjoy much lower interest rates compared to other types of unsecured personal loans and save more money over the course of the loan. You can get an SFCU share secured loan with just 3.00% APR plus the dividend rate on your SFCU savings account!
When you apply for a share secured loan from SFCU, you can spread out your payments up to 144 months to keep your monthly payment nice and low. That way, you're less likely to default on your loan or miss a payment.
Apply for a loan with a fast response and competitive rate to pay for any of life's expenses
When you need a fast response, affordable funding, a share secured loan from SFCU is backed by your savings account to keep rates low, helping you save more money over the course of the loan. Plus, you can use the funds for just about anything!
Up to remaining term of share certificate used to secure loan.
as of 5/2/23
APR = Annual Percentage Rate.
Credit Union membership is required with a $5 minimum deposit.
Shared & Money Management Secured Loans - APR is 3.00% higher than the rate highest rate earned on the savings/money management account with the secured funds deposited.
Share Certificate Secured Loan - APR is 3.00% higher than the APY of the share certificate account with the secured funds deposited.
Variable rate loan may change monthly based on the applicable margin and index.
Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU. See Agreement for details.
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