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Loan Rates

Grade A+ A B C D E
Score 750+ 700-749 650-699 600-649 550-599 549 or less

Fair Isaac Score Intervals

 

Unsecure Signature Rates

Current Interest Rates For Loans

Term Rates As Low As
24 Months 10.00% APR%*
48 Months 10.50% APR%*
60 Months 12.00% APR%*

Less than $501 the rate will be 18%

 

Secured Auto Sales

Term Rates As Low As
36 Months 4.75% APR*
60 Months 5.14% APR*
72 Months 5.34% APR*
84 Months 6.0% APR*

Vehicles Older Than 2014 and Vehicles with Mileage Exceeding 75,000 May Increase Rate.

 

RVs/Boats/Farm Equipment/Mowers

Term Rates As Low As
Up to 60 Months 7.25% APR*
72 to 84 Months 7.75% APR*
96 to 120 Months 8.25% APR*
180 Months 9.25% APR*
 

MasterCard Credit

Rates As Low As 6 Month Intro Rate As Low As
Prime +1.00%* 2.99% APR*
 

Share Secure

Term Rate
12 Months 3.5% APR
24 Months 3.5% APR
36 Months 4.0% APR
48 Months 4.5% APR
60 Months 5.0% APR

*APR= Annual Percentage Rate. Rates are subject to change without notice. Applicants must qualify based on SWECU's underwriting guidelines. Loans of <$501 will be at a 18% APR* rate Secured Mastercard Credit Card-18.00% Secured by 120% of Share Account. Home Equity Loan Rates are based on daily Primary Mortgage Market Survey rates published by Freddie Mac with allowable rate adjustments depending on creditworthiness. An additional adjustment of 1.00% for loans less than $75,000.00. Maximum term of 180 Months. Credit Union reserves the right to increase the rate for collateral fours years of age or older if amount financed is greater than the loan value. CD secured 2% APR* over CD rate Maximum rate on all categories - 18% APR*. Some rates don't qualify for rate reductions.