Current Loan Rates

Effective: APRIL 10, 2018

All Rates subject to change without notice
Price of Vehicle determines Terms

LOAN TYPE
TERM
APR*
Vehicles
New Vehicles
Up to 72 Mo.
3.00%-18.00%
Used Vehicles
12 - 60 Mo.
3.00%-18.00%
Unsecured
Signature Unsecured
12 - 60 Mo.
7.00%-18.00%
Secured
Deposit Secured
60 Mo.
5.00%
Deposit Secured
Home Equity
Home Equity Loan
Up to 15 years
Based on APOR**
Home Equity Loan
Real Estate
 
Up to 15 years
Based on APOR**
Overdraft Line of Credit
Overdraft Protection
Not Available

*APR is the Annual Percentage Rate.
APR is determined by members Beacon score.
All rates are subject to change.
Please call SPCTFCU to inquire about promotional rates.
**APOR is the current "Average Prime Offer Rate" found at www.ffiec.gov

Equal Housing Lender