Loan Rates

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Rates effective: 11/17/2019

Auto & Truck Rates
 TermAnnual Percentage Rate (APR)*How to apply
New or Used24- 48 monthsAs low as 3.49% APRApply Now
New or Used49- 60 monthsAs low as 4.49% APRApply Now
We offer loans over 60 months. Please Contact Us for details.
For example, a loan of $15,000 has 48 monthly payments of $335.27 with an APR of 3.49%.
*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.
RV & Motorcycle Loans
 TermAnnual Percentage Rate (APR)How to apply
New24-60 monthsAs low as 6.15% APR*Apply Now
Used24-60 monthsAs low as 7.40% APR*Apply Now
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.
Credit Cards
 TermAnnual Percentage Rate (APR)How to apply
Consumer Credit CardsRevolvingLearn MoreApply Now
Business Credit CardsRevolvingLearn MoreApply 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.
Home Equity Loans
 TermsAnnual Percentage Rate (APR) How to apply
Fixed-Rate LoanVarious terms availableView RatesUp to 100% loan-to-valueApply Now
Home Equity Lines of Credit
TermsAnnual Percentage Rate (APR) How to apply
Minimum draw $10,000As low as 2.99% APR* Up to 80% loan-to-valueApply Now
*APR = Annual Percentage Rate. 10-year draw period. Promotional rate is good online or in person for qualifying members with a credit score of 680 or above. Promotional rate will apply for 12 months from loan opening date. After that period, rate will increase to current rate of as low as Prime Rate minus 0.50% OR floor of 3.00%, whichever is greater. After promotional period, rate will never go below 3.00% and will never go above 18.00%. Current Prime Rate is 4.75% as of October 31, 2019. 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 available to you. Offer valid November 1 – December 31, 2019. † Fees and charges may apply.
Mortgages
Fixed Rate MortgagesVarious terms availableView RatesApply Now
Adjustable Rate MortgagesVarious terms availableView RatesApply Now
SMARTChoice Mortgages Various terms availableView RatesApply Now
No Closing Cost Mortgages*Various terms availableView RatesApply Now
* Rate is 1.00% higher than our fixed rate. Please let the Scient representative you are working with know you are interested in the No-Closing-Cost option
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.
Signature Personal Loan
 TermAnnual Percentage Rate (APR)How to apply
Signature LoanUp to 48 monthsAs low as 8.99% APR Apply Now
*APR = Annual Percentage Rate. 8.99% APR offered for credit scores 680 or higher on a 48-month Signature Loan. The monthly payment on a $5,000 48-month Signature Loan at 8.99% APR is $125.32. 12.99% APR offered for credit scores 640-679 on a 48-month Signature Loan. The monthly payment on a $5,000 48-month Signature Loan at 12.99% APR is $67.77. Maximum loan amount for credit scores 680 or higher is $5,000. Maximum loan amount for credit scores 640–679 is $2,500. **If loan is opened in November 2019, first payment will be due in January 2020. If loan is opened in December 2019, first payment will be due in February 2020. Interest will still accrue on a daily basis. Offer expires December 20, 2019. Rate may vary and will be determined by your credit score. Other restrictions may apply. Federally insured by NCUA.
Personal Line of Credit
 TermAnnual Percentage Rate (APR)How to apply
Personal Line of CreditRevolvingAs low as 5.99% APR for the first 12 monthsApply Now
*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 5.25% as of August 1, 2019. Minimum line of credit is $5,000. Maximum line of credit is $35,000 based on your credit score. There is an annual fee of $25 which is waived for the first year. Other fees and charges may apply.
Secured Loans
 TermAnnual Percentage Rate (APR)How to apply
Share-Secured LoanVaries5.00% APR*Apply Now
Certificate-Secured LoanVaries2.00% APR* over Certificate rateApply Now
*APR = Annual Percentage Rate. Rates subject to change without notice.
Executive Reserve Line of Credit
 TermAnnual Percentage Rate (APR)How to apply
Executive Reserve Account/Line of CreditRevolvingAs low as 12.00% APR*Apply Now
*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.
Student Loans
 TermAnnual Percentage Rate (APR)How to apply
Life Science Education Loan12 Months7.00% APRApply 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.