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

Special Auto Loan Promotion

Up to 60 months financing, as low as 1.99% APR on 2009 or newer vehicles. Maximum 130% Loan to Value. Offer subject to credit approval, new monies only, limited time offer.

Meet it or Beat it

Sno Falls Credit Union will meet or beat your current Auto Loan rate by 2% APR below what you are paying on a current loan contract with another financial institution, as low as 3.99% APR up to 72 months on 2006 - 2008 vehicles or as low as 2.99% APR up to 72 months or as low as 3.99% APR up to 84 months on 2009 or newer vehicles. No payments for 60 days.* Credit qualifications apply, new monies only.

*No payments for 60 days is optional. If you choose this option, interest will accrue on the loan balance during the 60-day period from the date of the contract.

Autos

New/Used Autos 2009 & newer (up to 72 mos) 2.99% - 11.99% APR*
New/Used Autos 2009 & newer (up to 84 mos) 3.49% - 12.49% APR*
Used Autos older than 2009 3.99% - 13.99% APR

• *Financing includes sales tax, license fees and SFCU Gap Insurance.
• *Used vehicle financing available up to 100% of NADA value.
• *Terms up to 84 mos available, minimum balance required.
• *Must be $15,000 min for 72 mo term, must be $25,000 min for 84 mo term.
• *Rate will increase by .50% for 84 mo term and 1% for older vehicles with more than 100,000 miles.

Boats & RVs

• Financing includes tax and licensing only
• New/Used Financing up to 90% of Retail NADA value

New/Used Boats (2009 or newer) 5.99% - 14.99% APR*
Used Boat (older than 2009) 6.49% - 15.49% APR
New/Used RV's (2009 or newer) 6.49% - 15.49% APR*
Used RV's (older than 2009) 6.99% - 15.99% APR

• * 180 mo Loan term available, must be $25,000 or more

Motorcycles - (Street legal only)

• Financing includes tax and licensing only
• Used Financing up to 90% of NADA value
• Motorcycle financing up to 72 mo term depending on loan amount

New/Used Motorcycle Rate (2009 or newer) 7.50% - 17.00% APR
Used Motorcycle Rate (older than 2009) 8.75% - 18.00% APR

Share Secured Loans

• 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

Share Secured Rate 3.03% APR

Home Equity Lines of Credit

• 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

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

VISA Classic

• 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.

Classic Rate 12.90% APR

VISA Platinum

• 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.

Platinum Rate 9.90% APR

Line of Credit

Rate 11.50% APR

Signature/Personal & Partially Secured Loans

• Maximum 60 mo term

Rate 9.00% - 18.00% APR

Loan Rates and Terms Effective January 1st, 2012

Disclosures

• RATE CONDITION: If financing more than 100% of NADA Blue Book value, plus tax and licensing interest rate will revert to rate condition listed below:(only applies to auto loans)
  120% of book value - add 1% to current rate (credit qualifications apply for rate condition)
  Over 120% of book value rate will revert to the Signature/Personal/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 and Visa.)
• 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.

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.

Purchase Amount:

Down Payment:

Annual Interest Rate:

Number Of Years:

$

$

Total Number Of Payments

Monthly Payment Amount
$

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):
  First Time Sno Falls Borrowers: Download the loan application form to your computer. **
  Existing Sno Falls Borrowers: Download the loan request 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.