Loan Rates

We offer loans over 63 months. Please Contact Us for details.

For example, a 60 month auto loan of $20,000 has monthly payments of $388.89 with an APR of 6.24%. 

*APR = Annual Percentage Rate. Rate effective as of April 4, 2025 . 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.

For example, a new motorcycle loan of $30,000 has 60 monthly payments of $615.35 with an APR of 8.49%. 
A used motorcycle loan of $30,000 has 60 monthly payments of $618.25 with an APR of 8.69%.

*APR = Annual Percentage Rate. Rate effective as of January 10, 2024 and 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.

For example, a loan of $30,000 has 60 monthly payments of $615.35 with an APR of 8.49%.

*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.

*APR = Annual Percentage Rate.  APR = Annual Percentage Rate.  For example the monthly payment on a $10,000 60-month, personal loan at 12.99% APR is $227.48.  Rate may vary and will be determined by your credit score.  Other restrictions may apply.  

*APR = Annual Percentage Rate. Rate effective as of May 1, 2025, and offered for credit scores 680 or higher. For example, the monthly payment on a $25,000 180-month home improvement loan at 8.75% APR is $249.86. Rate may vary and will be determined by your credit score. An unsecured Scient home improvement loan is for home improvements only on a primary, single family residency. A bid/material list must be provided. 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. 

 *APR = Annual Percentage Rate.  This is a revolving line of credit. There will be an introductory APR of 7.99% 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 7.50% as of December 18, 2024. Minimum line of credit is $5,000. Maximum line of credit is $20,000.00 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. 

 *APR = Annual Percentage Rate

*APR = Annual Percentage Rate.  Cost per $1000 includes principal and interest only.  It does not include insurance and taxes, and the actual payment obligation will be higher.

*APR = Annual Percentage Rate.    Rates effective as of November 8, 2023. A $20,000 5-year fixed loan at 6.00% will have a principal and interest payment of $386.66 and APR of 6.208%.  A $20,000, 10-year fixed loan at 6.25% will have a principal and interest payment of $224.56 and APR of 6.307%; A $20,000, 15-year fixed loan at 6.75% will have a principal and interest payment of $176.98 and APR of 6.794%;  A $20,000, 20-year fixed loan at 7.00% will have a principal and interest payment of $155.06 and APR of 7.039%;  APRs may be higher due to per diem interest.  Up to 80% 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. 

*APR= Annual Percentage Rate. 10-year draw period. Promotional rate will apply for 12 months from loan opening date. After that period, rate will increase to a variable rate of interest as low as Prime Rate minus 0.50% OR floor of 4.00%, whichever is greater. After promotional period, rate will never go below 4.00% and will never go above 18.00%. As of December 18, 2024, Prime Rate is 7.50%. Owner-occupied Primary Residences only. Up to 80% Total Loan-to-Value for qualified loan. $250,000 maximum. All loans are subject to credit approval. Your overall creditworthiness may determine interest rate and line amount available to you.  If you close your HELOC account within 24 months after it is opened, you will be required to promptly repay Scient the Third-Party Closing Costs. Offer valid from September 9, 2024 and may be canceled at any time without notice.  Existing Scient home equity lines/loans are not eligible for refinance with this promotion. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender. 

 *APR = Annual Percentage Rate

*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.

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.