Loan Rates


  • Autos

    Rates as of November 27, 2018

    Model Years 2014 and Newer

    APR* As Low As Term
    2.69% Up to 36 Months
    2.99% 37-60 Months
    3.29% 61 - 72 Months
    3.99% 73 - 75 Months
    4.39% 76 - 84 Months

    Model Years 2010 and Newer

    APR* As Low As Term
    3.49% 36 Months
    3.49% 37 - 42 Months
    3.49% 43 - 48 Months
    3.99% 49 - 60 Months
    4.99% 61 - 72 Months
    $12,000 minimum loan amount for 72 month term. $18,000 minimum loan amount for 73-78 month term.     $30,000 minimum loan amount of 79-84 month term. First payment may be deferred up to 90 days for qualified members. Interest will accrue during deferment period.

    *APR= Annual percentage rate and vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage and conditions of vehicle. Other rates and terms may be available for older model years and other loan amounts. 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.
  • New/Used RVs

    Rates as of November 27, 2018

    New

    Term APR* As Low As
    Up to 72 Months 6.49%
    Up to 84 Months 7.49%
    Up to 144 Months 8.49%

    2013 or Newer

    Term APR* As Low As
    Up to 72 Months 7.50%
    Up to 84 Months 8.50%
    Up to 144 Months 9.50
    $12,000 minimum loan amount for 72 month terms. $30,000 minimum loan amount for 73-84 month term; $75,000 minimum for 85-144 month term. Up to 90% financing based on Retail Kelley Blue Book or Retail NADA for Used RVs. MSRP for new RVs. Minimum Montlhy payment is $150.00

    *APR= Annual percentage rate and 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 older model years and other loan amounts. 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.
  • New/Used Boats

    Rates as of: November 27, 2018

    New

    Term APR* As Low As
    Up to 72 Months 6.49%
    Up to 84 Months 7.49%
    Up to 144 Months 8.49%

    2013 or Newer

    Term APR* As Low As
    Up to 72 Months 7.5%
    Up to 84 Months 8.5%
    Up to 144 Months 9.5%
    $12,000 minimum loan amount for 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 Used Boats.
    MSRP for new boats are subject to approval. Boats will require a Marine Survey.
    Minimum monthly payment is $150.00.

    *APR= Annual percentage rate and 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 older model years and other loan amounts. 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.
  • New/Used Motorcycles

    Rates as of November 27, 2018

    New

    Term APR* As Low As
    Up to 42 Months 4.49%
    Up to 60 Months 5.49%
    Up to 72 Months 6.49%
    Up to 84 Months 7.25%

    2010-2013

    Term APR* As Low As
    Up to 42 Months 6.19%
    Up to 60 Months 6.49%
    Up to 72 Months 7.49%
    Up to 84 Months 8.25
    $15,000 minimum loan amount for up to 61 - 72 month term. $30,000 minimum loan amount for up to 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 and 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 older model years and other loan amounts. 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.
  • Real Estate

    Rates as of November 27, 2018
    Loan Type Term APR1 As Low As
    First Mortgage Home Loans Up to 30 years Please call 619-283-7026 for current rates.
    Home Equity Line of Credit3 - 80% 300 months 3.99% ARM
    Second Trust Deed - 80% LTV 120 months 6.125%
    Second Trust Deed - 80% LTV 180 months 6.25%
    Second Trust Deed - 80%L TV 240 months 6.50%
    1APR= Annual percentage rate. 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. Primary residence refinance or purchase. For non-owner occupied interest rates, please call 619.283.7026.

    2ARM = Adjustable Rate Mortgage

    3On approved credit. Maximum HELOC 80% combined loan-to-value. After the intro period, the rate will adjust based on the prime rate as published in the Wall Street Journal, plus a margin of 0.75%. Minimum credit line of $20,000 required; $10,000 minimum initial advance required at time of funding. The rate may not increase more than 6% over the start rate. Your rate may vary.
  • Signature

    Rates as of November 28, 2018
    Loan Type Term APR* As Low As
    Signature Open 9.90%
  • Line of Credit

    Rates as of November 28, 2018
    Loan Type Term APR* As Low As
    Line of Credit Open 13.90%
  • Share Secured

    Rates as of November 28, 2018
    Loan Type Term APR* As Low As
    Share Secured 144 Months Share Rate +3.00%
  • Certificate Secured

    Rates as of November 28, 2018
    Loan Type Term APR* As Low As
    Certificate Maturity Date CD Rate +3.00%
  • Visa Account

    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 25k 9.90%