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 24- 48 months 2.99%

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New or Used 49- 60 months 3.49%

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

For example, a loan of $15,000 has 48 monthly payments of $331.95 with an APR of 2.99%.

*APR = Annual Percentage Rate. 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

New 24-60 months 6.15%

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Used 24-60 months 7.40%

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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 Up to 48 months 6.99%

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*APR = Annual Percentage Rate. 6.99% APR offered for credit scores 760 or higher on a 48-month Signature Loan. For example, the monthly payment on a $10,000 48-month Personal Loan at 6.99% APR is $239.42.  8.99% APR offered for credit scores 680 – 759 on a 48-month Personal Loan. For example, the monthly payment on a $10,000 48-month Personal Loan at 8.99% APR is $248.80. The rate may vary and will be determined by your credit score. Other restrictions may apply. †Funds should be made available within (2) business days after the loan is approved if all required loan documents are received. Offer runs April 1 – May 31, 2021. 

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

Product Term Annual Percentage Rate (APR)

How to apply

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

5-year Home Equity 5 year

2.99% / 3.06% APR

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10-year Home Equity 10 year

3.75% / 3.80% APR

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15-year Home Equity 15 years

4.25% / 4.29% APR

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20-year Home Equity 20 years

4.50% / 4.53% APR

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*APR = Annual Percentage Rate.   A $20,000, 5-year fixed loan at 2.99% will have a principal and interest payment of $359.28 and APR of 3.06%; A $20,000, 10-year fixed loan at 3.75% will have a principal and interest payment of $200.12 and APR of 3.80%; A $20,000, 15-year fixed loan at 4.25% will have a principal and interest payment of $150.46 and APR of 4.29%;  A $20,000, 20-year fixed loan at 4.50% will have a principal and interest payment of $126.53 and APR of 4.53%;  APRs may be higher due to per diem interest.  Up to 100% LTV/CLTV for qualified loan. $20,000 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

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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

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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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