Loan Rates

View Deposit Rates

Rates effective: 10/23/2017

Auto & Truck Rates
 TermAnnual Percentage Rate (APR)*How to apply
New or Used24- 48 monthsAs low as 2.99% APRContact Us
New or Used49- 60 monthsAs low as 3.99% APRContact Us
We offer loans over 60 months. Please Contact Us for details.
For example, a loan of $15,000 has 48 monthly payments of $331.97 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.
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.
Visa Credit Cards
 TermAnnual Percentage Rate (APR) How to apply
Visa ClassicRevolvingAs low as 8.99% APRDisclosureApply Now
Visa Platinum with RewardsRevolvingAs low as 9.99% APRDisclosureApply Now
Visa Signature HELIXRevolvingAs low as 10.99% APRDisclosureApply 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
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 Lines of Credit
TermsAnnual Percentage Rate (APR) How to apply
Initial draw $10,000+As low as 2.99% APR* Up to 100% loan-to-valueApply Now
*APR = Annual Percentage Rate. 10-year draw period. The promotional rate is good online or in person for qualifying members with a credit score of 680 or above. Promotional rate will apply for 18 months from the loan opening date. After that period, rate will increase to the current rate of as low as the Prime Rate minus 0.50% OR floor of 3.00%, whichever is greater. After the promotional period, rate will never go below 3.00% and will never go above 18.00%. Current Prime Rate is 4.25% as of June 20, 2017. 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 the interest rate available to you. Offer valid July 1 – September 5, 2017. †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 Loans
 TermAnnual Percentage Rate (APR)How to apply
Signature LoanUp to 48 monthsAs low as 11.49% APR Apply Now
Signature LoanUp to 60 monthsAs low as 11.49% APRApply Now
*APR=Annual Percentage Rate. The monthly payment on a $10,000 48-month Signature Loan at 11.49% is $260.84. Additional terms available. Contact Us for details. 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.
**Same day approval on applications received before 2:00 PM. Applications received after that time will be processed and approved the following business day. Funds should be made available within two (2) business days if all required loan documents are received before 2:00 PM. Documents received after that time will take an additional business day to process. Rates may vary and will be determined by your credit score. Other restrictions may apply. Loans already financed with Scient Federal Credit Union are not eligible. Federally insured by NCUA.
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
Student Choice LoanVariesPrime Rate +1.00%/2.00%/3.00% 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.