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SPFCU Rates

New Vehicle

Last Updated: 2/12/2014

Type

APR* Terms Conditions
New Vehicles
(Autos,SUVs,Trucks)
1.99% -12.00% 36 Months **Call CU for Conditions
  2.89% -13.00% 48 Months  **Call CU for Conditions
  2.89% -14.00% 60 Months  **Call CU for Conditions
  2.89% -16.0% 72 Months  **Call CU for Conditions
  3.25% -18.00% 84 Months  **Call CU for Conditions
      *Rates stated as annual percentage rate (APR).  Rates assigned to individual loans will vary depending on loan type, collateral, applicant financial status and credit history.  Additional lending policies may apply.  Rates are subject to change without notice.
Used Vehicles 1.99% -12.00% 36 Months
2006-2012**
 
  2.89% -13.00% 48 Months 2006-2012**
  2.89% -14.00% 60 Months 2006-2012**
  2.89% -16.00%

72

Months

2005-2012**
  3.25% - 11.80% 84 Months 2006-2012**
  2.99% -18.00% 48 Months 2003-2005**
      ** Call CU for conditions
      *Rates stated as annual percentage rate (APR).  Rates assigned to individual loans will vary depending on loan type, collateral, applicant financial status and credit history.  Additional lending policies may apply.  Rates are subject to change without notice.
       
New commercial
Vehicles
call for rate 48
Months
90% of MSRP plus tax
100% financing with additional
1/2%
       
       

 

Rec. Vehicles

Last Updated: 2/12/2014

Type

APR* Terms Conditions
Classic Cars 7.25% 48 Months Appraisal Required
Mobile Homes
-New
6.99% + 84 Months 85% lessor of MSRP or Purchase Price & Taxes
Mobile Homes
-Used
7.00% + 84 Months 80% lesser of MSRP or Purchase Price.  Taxes Excluded.

Boats

-New

4.55%-9.49% 84-144 Months 85% lessor of MSRP or Purchase Price & Taxes

Boats

-Used

4.55%-9.49% 84 Months 80% lesser of MSRP or Purchase Price.  Taxes Excluded.

Motorcycles

New & Used

4.90%-11.99% 48-60 Months 85% lessor of MSRP or Purchase Price & Taxes

 

   

 

 

Personal Loans

Last Updated: 2/14/2014

Type

APR* Terms Conditions
Overdraft Line of Credit 13.00% Open-End Up to $2,500.
Visa 8.49%-17.99% Open-
End
See visa disclosure for terms and
conditions
Personal/Unsecured

9.99%- 13.99%

Up to 60 Months From $500 to $10,000
Terms Vary by Amount
       
Share Secured Regular share rate plus 3% Up to 36 Months Instant Approval
Shares are pledged
(Cannot be withdrawn)
Share Secured Regular share rate plus 4% 37-120  Months  
Stock Secured 6.75% up to 72 Months 75% of Market Value

Business Loan Products Offered

Call Credit Union For Details

 

Savings/Investments

Last Updated: 11/5/2013

Type

Rate APY* Conditions
Regular Shares 0.1700% 0.1700% (.01&up)
Regular Shares 0.2100% 0.2100% (10k&up)
Auxiliary 0.1700% 0.1700%  
Share Draft 0.1000% 0.1000%  (500+)
IRA 0.2800% 0.2800% (100-9999k)
IRA 0.3500% 0.3490% (10k & up)
Money Market 0.2700% 0.2700% (10k & up)
Money Market 0.3500% 0.3490% (25k & up)
Money Market 0.4000% 0.3990% (170k & up)
Certificates Call CU for current rates


Savings/Investments

 
Regular share desposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividen was earned.

Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.

Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.

Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.


*Annual Percentage Yield

 

Rates are subject to change and may change once the account has been opened. 

 

The rates listed are accurate as of the date specified above.

 

Home/Mortgage

Last Updated: 2/14/2014

Type

APR* Terms Conditions
Home Equity Lines of Credit Prime Up to 240
Months

Prime at 75% of Appraisal Minus First Mortgage

Variable Rate Loan

Business Home Equity Line Of Credit Prime +0.75% 144 months 75% of appraisal minus First Mortgage, Rental Properties and Second Homes
First Mortgages Call For Current Rates
 
 
Second Mortgages Call for Current Rates 180 months
120 months
75% of Appraised Value Minus First Mortgage
 
Unimproved Land Call for Current Rates 36 months

36 month ballon

50% of appraised value financed.  Option to amortize over 180 months.