Loan Rates

Effective April 4, 2023 (Subject to change without notice)

Serving Spokane, One Member at a Time

Autos and Motorcycles

INTEREST RATE/APR*	From 4.99% to 18.00%
TERMS*	From 2 to 7 years

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^*Your rate is determined by term, credit score, down payment and vehicle age and mileage.

ATVs, Snowmobiles, Motorcycles, and Personal Water Craft

INTEREST RATE/APR*	From 6.69% to 18.00%
TERMS*	From 2 to 7 years

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^*Your rate is determined by term, credit score, down payment and vehicle age and mileage.

New & Used Boats and RVs

INTEREST RATE/APR*	From 7.69% to 18.00%
TERMS*	From 2 to 15 years

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^*Your rate is determined by term, credit score, down payment and vehicle age, mileage and condition.

Diamond VISA

INTEREST RATE *	3.99%^†
FIXED RATE APR *	3.99%^†
TERMS	Payment is 3% of loan balance, minimum of $20.00.
ANNUAL FEE	0.00

Apply for a Diamond VISA

^†3.99% for the first 18 months then 10.99% thereafter.

Classic VISA

INTEREST RATE *	10.99%
FIXED RATE APR *	10.99%
TERMS	Payment is 3% of loan balance, minimum of $20.00.
ANNUAL FEE	$12.00

Apply for a Classic VISA

Home Equity Line of Credit

PERCENT FINANCED	80% loan-to-value ratio
INTEREST RATE*	view current rates
FIXED & ADJUSTABLE RATE TERMS	First 3 years fixed/Variable thereafter with 2% annual cap ⁽⁴⁾
MINIMUM LOAN/LINE	$10,000
MAXIMUM LOAN AMOUNT	$250,000
MAXIMUM LOAN TERM	up to 180 months ⁽⁴⁾
PREPAYMENT PENALTY	NONE
ELIGIBLE PROPERTIES	Owner occupied single family residences in Spokane area
CLOSING COSTS	Paid by SCCU ⁽⁵⁾

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Signature Line of Credit Loans

INTEREST RATE*	As low as 9.90%
FIXED APR*	As low as 9.90%
TERMS	up to 48 months

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_{APR = Annual Percentage Rate.}

_{*other rates and terms may apply depending upon the individual creditworthiness of each applicant.}

_{(2) Minimum loan of $25,000 for 84 month financing.}

_{(3) The rate you receive is based on certain creditworthiness factors. Ask us for the current index value, margin and annual percentage rate.}

_{(4) A fixed Annual Percentage Rate (APR) will be used for the first 3 years of the plan. We will determine the periodic rate and the corresponding annual percentage rate during the variable rate period as follows: we start with an independent (the "index") which is the Wall Street Journal Prime Rate (WSJ Prime). We will use the WSJ Prime Rate a margin to determine your annual percentage rate. The annual percentage rate will change to a variable rate at the beginning of the 4th year of the plan. Thereafter, the annual percentage rate can change annually on the first day of the quarter following the anniversary month of the plan. The annual percentage rate will not increase or decrease more than 2 percentage points in any one-year period. However, under no circumstances will the annual percentage rate go below 5.00% at any time during the term of the plan.}

_{(5) Most fees will be waived providing the loan remains in effect for 2 years.}