Loan Rates

When you're borrowing money, you want the best value possible. Because Scient FCU is owned by its members, we're able to offer highly competitive rates on loans to help you finance the most important purchases in your life. 

Type Term Annual Percentage Rate (APR)
as low as

How to apply

New or Used up to 60 months 4.64%

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We offer loans over 60 months. Please Contact Us for details.

For example, a loan of $20,000 has 60 monthly payments of $374.13 with an APR of 4.64%.

*APR = Annual Percentage Rate. Rate effective as of September 20, 2022. Rates, terms, and conditions are subject to change. Other rates and terms are available. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.

Type Term Annual Percentage Rate (APR)
as low as

How to apply

24-60 months as low as 6.15%

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For example, a loan of $30,000 has 60 monthly payments of $582.08 with an APR of 6.15%.

*APR = Annual Percentage Rate. Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.

Product Term Annual Percentage Rate (APR)
as low as

How to apply

Signature Loan Special 60 months 9.99%

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APR = Annual Percentage Rate. 9.99% APR offered for credit scores 660 or higher on a 60-month Personal Loan. The monthly payment on a $10,000 60-month Personal Loan at 9.99% APR is $212.42. Rate may vary and will be determined by your credit score. Maximum loan is $10,000. Other restrictions may apply. Offer runs September 16-30, 2022. 

Product Term Annual Percentage Rate (APR)
as low as

How to apply

Personal Line of Credit Revolving 5.99% APR for the first 12 months

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 *APR = Annual Percentage Rate.  This is a revolving line of credit. There will be an introductory APR of 5.99% for the first 12 months from the account opening date for qualifying members with a credit score of 720 or above. After the first 12 months, your rate will increase to a minimum of Prime plus 4.99%, but no higher than 18.00%. Your rate will be based upon adding a margin to the Prime Rate depending upon your credit score. The current Prime Rate is 6.25% as of September 22, 2022. Minimum line of credit is $5,000. Maximum line of credit is $35,000.00 based on your credit score. There is an annual fee of $25.00 which is waived for the first year. Other fees and charges may apply. 

Product Term Annual Percentage Rate (APR)

How to apply

Student Loan Varies Varies

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Life Science Education Loan 12 Months 7.00% for 12 Months

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 *APR = Annual Percentage Rate

Product Terms

Annual Percentage Rate (APR)

How to apply

Fixed Rate Mortgages Various terms available

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Adjustable Rate Mortgages Various terms available

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SMARTChoice Mortgages Various terms available

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No Closing Cost Mortgages* Various terms available

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Product Terms

Annual Percentage Rate (APR)

How to apply

Special 5-year Home Equity 5 year

3.49% / 3.694% APR

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10-year Home Equity 10 year

4.25% / 4.357% APR

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15-year Home Equity 15 years

4.75% / 4.825% APR

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20-year Home Equity 20 years

5.50% / 5.561% APR

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*APR = Annual Percentage Rate.  5-Year Home Equity promotional rate for qualifying members with a credit score of 680 or above. APR may be higher due to per diem interest. For example, a $20,000, 5-year fixed loan at 3.49% will have a principal and interest payment of $363.75 APR of 3.694% (assuming 20 days of interest at $0.7986/day = $15.97 of per diem interest). The promotional rate is offered September 16 – 30, 2022, online or in person. Up to 80% LTV/CLTV for qualified loan. $10,000 Minimum Loan Amount and a $50,000 Maximum Loan Amount. Primary Residence only. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.  Other rates effective as of June 16, 2022. A $20,000, 10-year fixed loan at 4.25% will have a principal and interest payment of $204.88 and APR of 4.357%; A $20,000, 15-year fixed loan at 4.75% will have a principal and interest payment of $155.57 and APR of 4.825%;  A $20,000, 20-year fixed loan at 5.50% will have a principal and interest payment of $137.58 and APR of 5.561%;  APRs may be higher due to per diem interest.  Up to 100% LTV/CLTV for qualified loan. $10,000 Minimum Loan Amount.  All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply. Rates, terms and conditions are subject to change. 

Product Terms

Annual Percentage Rate (APR)

How to apply

HELOC
Up to 80% loan-to-value
Minimum draw $10,000

View Rates

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Product Term Annual Percentage Rate (APR)

How to apply

Share-Secured Loan Varies 5.00%

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Certificate-Secured Loan Varies 2.00% over Certificate rate

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 *APR = Annual Percentage Rate

Product Term Annual Percentage Rate (APR)
as low as

How to apply

Executive Reserve Account/Line of Credit Revolving 12.00%

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Certificate-Secured Loan Varies 2.00% over Certificate rate

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*APR = Annual Percentage Rate. Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.

Product Term Annual Percentage Rate (APR)

How to apply

Consumer Credit Cards Revolving

Learn More

Apply Now

Business Credit Cards Revolving

Learn More

Apply Now

Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.

Scient FCU is a full-service credit union with branches in Groton and New Haven Connecticut.

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