Sno Falls Credit Union

Contact Us
(425) 888-4004
Toll Free: (800) 243-7860
All Contact Information

General Information
info@snofalls.com
loans@snofalls.com

Report Electronic Fraud
abuse@snofalls.com

Lost or Stolen Card
Debit: (800) 554-8969
Credit: (800) 808-7230

Loans

Cruising Season is Here with Motorcycle Loans!

Get the motorcycle you have been dreaming about with our great rate on Motorcycle Loans as low as 3.49% APR on 2003 or newer motorcycles. Talk to us today and see how we can help. Street legal motorcycles only. Offer subject to credit approval.
Read more about our Motorcycle Loans

Drive the Dream!

Get the car or truck you have always dreamed about with rates as low as 0.99% APR on 2009 or newer vehicles. Maximum 130% Loan to Value. Offer subject to credit approval, new monies only, limited time offer.
Read more about our auto loan offerings

We Finance Your RV Fun!

If you love a trip in an RV but don't have the one you want, we can help! We are offering loans on 2003 or newer RV's as low as 4.49% APR!
Read more about our RV loan offerings

We Finance Boating Fun!

Boating season is fast approaching and those deals on boats are just around the corner. We are offering loans on 2003 or newer boats as low as 3.49% APR!
Read more about our boat loan offerings

Autos

New/Used Autos 2009 & newer (up to 36 mos) 0.99% - 9.99% APR*
New/Used Autos 2009 & newer (up to 48 mos) 1.49% - 10.49% APR*
New/Used Autos 2009 & newer (up to 60 mos) 1.99% - 10.99% APR*
New/Used Autos 2009 & newer (up to 72 mos) 2.49% - 11.49% APR*
New/Used Autos 2009 & newer (up to 84 mos) 2.99% - 11.99% APR*
New/Used Autos 2009 & newer (up to 96 mos) 3.99% - 4.49% APR**
Used Autos older than 2009 (up to 60 mos) 2.99% - 11.99% APR***

• *Financing includes sales tax, license fees, extended warranty's and SFCU Gap Insurance.
• *New/Used vehicle financing available up to 130% of NADA value on 2009 or newer up to 72 mo term.
• *Terms up to 96 mos available, minimum balance required.
• *Must be $15,000 min for 72 mo term, must be $25,000 min for 84 or 96 mo term.
• **Must be A or A+ credit rating for 96 month term.
• ***Rate will increase by 1% for older vehicles with more than 100,000 miles.

Boats

New/Used Boats 2003 or newer (up to 96 mos) 3.49% - 12.49% APR*
New/Used Boats 2003 or newer (up to 180 mos) 3.99% - 12.99% APR*
New/Used Boats 2003 or newer (up to 240 mos) 4.99% - 5.49% APR**
Used Boat older than 2003 (up to 120 mos) 4.99% - 13.99% APR

• *Financing includes tax and licensing only, Boats up to 25' in length with trailers
• *New/Used Financing up to 100% of Retail NADA value on boats
• *180 mo Loan term available on 2003 or newer, must be $25,000 minimum
• **Maximum 90% LTV financed, A or A+ credit rating for 240 month term, must be $50,000 or more)

RV's

New/Used RV's 2003 or newer (up to 96 mos) 4.49% - 13.49% APR*
New/Used RV's 2003 or newer (up to 180 mos) 4.99% - 13.99% APR*
New/Used RV's 2003 or newer (up to 240 mos) 5.49% - 5.99% APR**
Used RV's older than 2003 (up to 180 mos) 5.49% - 14.49% APR*

• * Financing includes tax and licensing only
• * Maximum 90% LTV financed of retail NADA value
• **Maximum 80% LTV financed, A or A+ credit rating for 240 month term, must be $50,000 or more)

Motorcycles - (Street legal only)

New/Used Motorcycle Rate (2003 or newer) 3.49% - 13.49% APR*
Used Motorcycle Rate (older than 2003) 4.99% - 14.49% APR*

• *Financing includes tax and licensing only
• *2003 or newer financing up to 100% of NADA value
• *Motorcycle financing up to 72 mo term depending on loan amount

Share Secured Loans

Share Secured Rate 3.03% APR

• Max loan amount 100% of share acct less $25 membership shares
• Rate is 3.00% APR above Share Account's current dividend rate, as disclosed on your Share Account Agreement.
• Maximum loan term 60 mos

Home Equity Lines of Credit

5 yr Fixed/Variable 5.375% APR
1 yr Variable/Traditional 4.00% APR

• Line of Credit Loans have 5 yr draw period
• Up to 75% of appraised value, for 5yr fixed/variable
• Up to 80% of appraised value, for 1yr variable
• Owner occupied, single family residences only
• Variable Rates adjusted October 1st, based on 6 mo Treasury Bill
• 240 mo term available on loan amounts greater than $100,000.00
• 180 mo term available on loan amounts less than $100,000.00

VISA Classic

Classic Rate 12.90% APR

• Limit $500 - $10,000
• No Annual Fee
• Free Rewards Program
• 25 day grace period
• Same rate for Purchase, Cash Advances and Balance Transfers
• See VISA Credit Card Agreement for fees and terms.

VISA Platinum

Platinum Rate 9.90% APR

• Limit $5,000 - $20,000
• No Annual Fee
• Free Rewards Program
• 25 day grace period
• Same rate for Purchase, Cash Advances and Balance Transfers
• See VISA Credit Card Agreement for fees and terms.

Line of Credit

Rate 11.50% APR

Signature/Personal & Partially Secured Loans

Rate 9.00% - 18.00% APR

• Maximum 60 mo term

Tax Loan

Rates 6.49% - 15.49% APR

• Limit $500 - $5,000
• Maximum 12 month repayment term
• 0.50% discount for Direct Deposit and auto transfer
• Tax Loans available from March 1, 2013 - April 19, 2013

Loan Rates and Terms Effective March 19th, 2013

Disclosures

• RATE CONDITION(only applies to auto loans): If financing more than 130% of NADA Blue Book value, plus tax and licensing,extended warrantys and SFCU GAP, interest rate will revert to Signature/partially secured rate:
  The Annual Percentage Rate you receive will be within the range disclosed based on your credit history and finance term length (excludes HELOC, share secured,Visa and LOC.)
• Minimum Monthly Payment: $25.00
• Late Charges for Consumer Loans ***: If payment is 7 days late you will be charged 20% of the interest due with a minimum of $15.00.
• Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
• Filing Fees: You will be charged a filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.
• On-line rates are for information only. While we make every effort to keep them current and accurate, mistakes or typos cannot be honored. Please speak with a loan office for the latest rates and terms.

Insurance Coverage Verification

Go to www.imcovered.com/snofalls to provide policy information or to verify your insurance status on a loan issued by Sno Falls Credit Union. You may also fax policy information to (800) 525-0565, attention Dept. 6899 or call (800) 237-5781 Ext. 6899 and talk to our insurance representative regarding coverage verification or policy requirements.

Acceptable insurance policy requirements

• Insured's Name and Address
• Vehicle Description and VIN
• $500 Maximum deductibles for both Comprehensive and Collision coverage
• Policy Number and Current Policy Period
• Sno Falls Credit Union listed as the Loss Payee

Note - Insurance ID cards are not acceptable as proof of insurance.

Sno Falls Credit Union Mailing Address

Sno Falls Credit Union
PO BOX 1978
Snoqualmie, WA 98065-1978

MEMBERS® Auto & Homeowners Insurance Program

We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program.

Read more about the MEMBERS Insurance program

NADA Guides Vehicle Blue Book Value

Using NADA Guides you have easy access to the most respected and accurate vehicle pricing available on the market today. Using the links below, pick your category and find out what your vehicle, or the vehicle you are looking for, is really worth.

Used Cars - Classic Cars - Motorcycles - RVs - Marine

Payment Calculator

Use the payment calculator to get an idea of what your loan payments would look like. Fill in the first four fields and click the "Calculate" button.

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Start Your Application Now

If you would like to start the application process immediately, please use the following resources:

1. Choose an application type:

• Consumer Loan (Auto, Boat, RV, Motorcycle, Personal):
  Download the loan application form to your computer. **
  
• Visa Credit Card (Classic/Platinum): Download the Visa Application to your computer. **
• Home Equity LOC: Download the HELOC Packet form to your computer. **

2. Open the form using Adobe Acrobat.
3. Enter your information in to the form.
4. Print the form using your computer.
5. Sign the form where indicated.
6. Attach verification of your income and fax or mail us the packet. View our contact information to see our fax numbers and mailing address.

** This requires Adobe Acrobat If you do not have it on your computer, download it now from Adobe's website for free.