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Loan Rates*
Rates effective: 1 May 2013

Apply for a consumer loan
Apply for a home loan

Loan rates reflect our Best Rates. Contact the credit union for other rates and terms.

Personal (Signature)
APR: 10.99% | Amount: Up to $15000 | Term: Up to 60 Mos
Line of Credit
APR: 10.99% | Amount: Up to $5000 | Term: Revolving
Technology Loan
APR: 5.50% | Amount: Up to $5000 | Term: Up to 24Mos
New Teacher Loans
APR: 12.0% | Amount: Up to $3000 | Term: Up to 12 Mos
Share Secured
APR: 3.50% | Amount: Up to 100% of unpledged shares | Term: Up to 84 mos
Term Share Account
APR: Certificate Rate + 3% | Amount: Up to 100% of unpledged shares | Term: Open
VISA Classic Variable
APR: Prime + 9.25% | Amount: Up to $5000 | Term: Revolving
VISA Gold Variable
APR: Prime + 7.00% | Amount: Up to $15000 | Term: Revolving
New Vehicles
APR: 2.49% | Amount: Up to 120% MSRP | Term: Up to 84 Mos
Used Vehicles
Up to 10 model years old

APR: 2.49% | Amount: Up to 120% Kelly Blue Book | Term: Up to 84 Mos
New & Used Recreational Vehicle

New: Up to 90% of purchase price including tax & license
Used: Up to 90% of Retail Value
10% down payment required for 144 Mos term

20% down payment required for 180 Mos term

APR: 7.99% | Amount: call for details | Term: Up to 180 Mos

New Watercraft & Boats

Up to 90% of purchase price including tax & license

10% down payment required for 144 Mos term

20% down payment required for 180 Mos term


APR: 7.99% | Amount: call for details | Term: Up to 180 Mos

New Motorcycle

Up to 90% of purchase price including tax & license

Min. $20,000 for 72 Mos term

APR: 5.99% | Amount: call for details | Term: Up to 72 Mos

New Mobile Home

Up to 60% of purchase price including tax & license

APR: 10.50% | Amount: call for details | Term: Up to 180 Mos

Home Equity Line of Credit Variable**

Up to 80% of Appraised Value Less any Liens

As low as WSJ Prime Rate | Amount: Min. $10,000 Max. $175,000 | Term: Up to 240 Mos

Second Mortgage
Up to 80% of Appraised Value Less any Liens

APR: Prime + 0.00% | Amount: Min. $10,000 Max. $175,000 | Term: Up to 240 Mos
Refinance First Mortgage
Call for rate.

APR=Annual Percentage Rate. *The above rates are subject to change without prior notice. Fees may apply. Loan rates reflect our Best Rates. The rate and term you receive may be different based on your individual credit history and term of the loan. Rates, terms and conditions are subject to change. Call 909-882-2911 for current information. **Valid for owner-occupied, single-family residences, townhouses, condominiums and for new home equity lines only from $ 10,000 to $ 175,000 with a 80% or less loan to value ratio. Not available on co-ops and mobile homes. If approved, you will receive a rate ranging from Prime - 0% (currently 3.25% APR) to Prime + 3.5% (currently 6.75 % APR), depending on your financial information and creditworthiness. The APR will vary as the Prime Rate varies. The Prime Rate is published in the Money Rates section of the Wall Street Journal. Maximum rate is 18%. All loans are subject to satisfactory appraisal, title and property insurance. Please contact a loan officer for details, 909-882-2911 Offer may change without notice. HELOC is subject to fees: Appraisal $375, Title Report fees $65 for loan amounts up to $65,000 or $100 for loan amounts from 65,000.01 to $175,000, Recording Fees $30, Flood certificate fee $12 ask a loan officer for further details. SBSEFCU is an equal housing lender.

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