Autos
Rates current as of
Model Years 2021 and Newer UP TO 120%
| APR* As Low As | Months / Term |
|---|---|
| 4.19% | up to 24 Months |
| 4.29% | up to 36 Months |
| 4.39% | up to 48 Months |
| 4.49% | up to 60 Months |
| 4.89% | up to 72 Months |
| 4.99% | up to 84 Months |
Model Years 2016-2020 UP TO 110%
| APR* As Low As | Months / Term |
|---|---|
| 4.19% | up to 24 Months |
| 4.29% | up to 36 Months |
| 4.39% | up to 48 Months |
| 4.49% | up to 60 Months |
| 4.89% | up to 72 Months |
Model year 2015 or older, add 2.00%* to the posted rate
A minimum loan amount of $12,000 is required for a 72-month term. $18,000 minimum loan amount for 73-78-month term. $30,000 minimum loan amount for 79-84-month term. The first payment may be deferred for up to 90 days for qualified members. Interest will accrue during the deferment period.
*APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and condition of vehicle. Other rates and terms may be available for model years not reflected. Monthly payment per $1,000 for 60 months at 4.79% APR = $18.78. All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Minimum monthly payment $100. Interest rate includes discount for automatic loan payment from your SDFFCU account.
RVs
Rates current as of
Model years 2021 or Newer up to 100%
| APR* As Low As | Months / Term |
|---|---|
| 5.94% | up to 60 Months |
| 6.14% | up to 72 Months |
| 6.14% | up to 84 Months |
| 6.64% | up to 120 Months |
| 7.44% | up to 144 Months |
Model years 2018 to 2020 – up to 90% LTV
| APR* As Low As | Months / Term |
|---|---|
| 5.94% | up to 60 Months |
| 6.14% | up to 72 Months |
| 6.14% | up to 84 Months |
| 6.64% | up to 120 Months |
| 7.44% | up to 144 Months |
Model years 2015 to 2017 add 2.00%* to the posted rate
$12,000 minimum loan amount for 72-month terms. $25,000 minimum loan amount for 73-84-month term; $50,000 minimum, up to 144-month term. Up to 100% financing based on Retail Kelley Blue Book or Retail NADA for Used RVs. MSRP for new RVs. Minimum Monthly payment is $150.00
*APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and conditions of collateral. Other rates available for model years not reflected. Monthly payment per $1,000 borrowed for 84 months at 6.14% APR = $14.68 All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Interest rate includes discount for automatic loan payment from your SDFFCU account.
Boats
Rates current as of
Model year 2022 or Newer up to 100% LTV
| APR* As Low As | Months / Term |
|---|---|
| 5.94% | up to 60 Months |
| 6.24% | up to 72 Months |
| 6.24% | up to 84 Months |
| 6.74% | up to 120 Months |
| 7.44% | up to 144 Months |
2019 to 2021, up to 90% LTV
| APR* As Low As | Months / Term |
|---|---|
| 5.94% | up to 60 Months |
| 6.24% | up to 72 Months |
| 6.24% | up to 84 Months |
| 6.74% | up to 120 Months |
| 7.44% | up to 144 Months |
Model year 2018 or older up to 90% LTV add 2.00%* to posted rate
A minimum loan amount of $12,000 is required for a 72-month term. $30,000 minimum loan amount for 73 - 84-month term.
$75,000 minimum for 85 - 144 month term. Up to 90% financing for Used Boats.
MSRP for new boats is subject to approval. Boats will require a Marine Survey.
Minimum monthly payment is $150.00.
*APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and conditions of collateral. Other rates and terms may be available for model years not reflected. Monthly payment per $1,000 borrowed for 84-months at 6.24% APR = $14.72 All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Interest rate includes discount for automatic loan payment from your SDFFCU account.
Motorcycles
Rates current as of
Model year 2021 or Newer up to 100% LTV
| APR* As Low As | Months / Term |
|---|---|
| 4.94% | up to 24 Months |
| 5.54% | up to 48 Months |
| 5.74% | up to 60 Months |
| 6.24% | up to 72 Months |
| 6.64% | up to 84 Months |
Model years 2016 to 2020 up to 80% LTV
| APR* As Low As | Months / Term |
|---|---|
| 4.94% | up to 24 Months |
| 5.54% | up to 48 Months |
| 5.74% | up to 60 Months |
| 6.24% | up to 72 Months |
| 6.64% | up to 84 Months |
Model year 2015 or older up to 80% LTV add 2.00%* to posted rate
$15,000 minimum loan amount for up to 61 - 72-month term. $30,000 minimum loan amount for up to 73- 84-month term. Up to 80% financing based on Retail NADA for used, MSRP for new. Minimum monthly payment of $100.00.
*APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and conditions of collateral. Other rates and terms may be available for model years not reflected. Monthly payment per $1,000 borrowed for 60 months at 5.74% APR = $19.21. All loans are subject to approval. All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Interest rate includes discount for automatic loan payment from your SDFFCU account.
Home Loans & Home Equity Loans
Rates current as of
First Mortgage Home Loans and Second Mortgage Home Loans
Flexible terms available, please call TruHome Solution 1(866) 217-6825
Home Equity Line of Credit
| Loan Type | Term | APR* As Low As | Max Loan Amount | Max CLTV |
|---|---|---|---|---|
| Home Equity Line of Credit | 25 years | 6.99% APR* | up to $250,000* | Up to 80% Combined Loan to Value |
*APR=Annual Percentage Rate. This is the initial interest rate. Adjustments are based on the Prime Rate plus a 0.750% margin. The loan is subject to an annual adjustment each July 1st, with a maximum annual adjustment cap of 2% per year and a lifetime cap of 6% over the start rate. Monthly payment per $1,000 borrowed for up to 300 months at 6.99% APR = $7.06. All rates and terms are subject to change without notice.
Signature
Rates current as of
| Loan Type | Term | APR* As Low As |
|---|---|---|
| Signature | Open | 8.49% |
*APR =Annual Percentage Rate and may vary based on credit qualifications.
Line of Credit
Rates current as of
| Loan Type | Term | APR* As Low As |
|---|---|---|
| Line of Credit | Open | 13.90% |
*APR =Annual Percentage Rate and may vary based on credit qualifications.
Share Secured
Rates current as of
*APR =Annual Percentage Rate and may vary based on credit qualifications.
Certificate Secured
Rates current as of
| Loan Type | Term | APR* As Low As |
|---|---|---|
| Certificate | Maturity Date | CD Rate +3.00% |
*APR =Annual Percentage Rate and may vary based on credit qualifications.
Visa Account
Rates current as of
| Card Type | Term/Amount | APR* As Low As |
|---|---|---|
| Visa Classic | Up to 10k | 12.90% |
| Visa Gold | Up to 20k | 11.90% |
| Visa Platinum | Up to 30k | 9.90% |
Solar & Energy Saving Loan
Rates current as of
| Terms | Maximum Loan Amount | APR* |
|---|---|---|
| Up to 60 Months | $125,000 | As Low as 5.24% |
| Up to 120 Months | $125,000 | As Low as 6.24% |
| Up to 180 Months | $125,000 | As Low as 7.24% |
| Up to 240 Months | $125,000 | As low as 7.99% |
*APR = Annual Percentage Rate. Rates are based on creditworthiness, payment method, and loan term. Monthly payment per $1,000 borrowed for 120 months at 6.24% APR = $11.22. Rates are effectiveSeptember 17, 2025 and are subject to change without notice. All loans are subject to credit approval. Other rates and terms are available. Restrictions and conditions may apply. Property must be single family home owned by applicant in the state of California