Vehicle Loans
New Auto
(2022 and newer)
5.49% – 16.24% APR
up to 84 months
Used Auto
(2021 and older)
5.99% – 15.99% APR
up to 72 months
New Boat
(2022 and newer)
7.49% – 18.49% APR
up to 240 months
Used Boat
(2021 and older)
8.74% – 18.74% APR
up to 120 months
New RVs
(2022 and newer)
7.49% – 18.49% APR
up to 240 months
Used RVs
(2021 and older)
8.74% – 19.74% APR
up to 180 months
New Motorcycle
(2022 and newer)
7.99% – 17.99% APR
up to 72 months
Used Motorcycle
(2021 and older)
8.99% – 18.99% APR
up to 60 months
New Sport Vehicles
(2022 and newer)
7.99% – 17.99% APR
up to 72 months
Used Sport Vehicles
(2021 and older)
8.99% – 18.99% APR
up to 60 months
Please see our Loan Terms and Conditions.
Credit Card Rates
For important information, see SFCU MasterCard rates, fees and disclosures.
Personal Loan Rates
Home Equity Line of Credit (HELOC)
Rewards Checking Account
| Requirements | Rate | APY* |
|---|---|---|
| Requirements met – up to $5000** | 2.50% | 2.53% |
| Requirements met – over $5000** | 0.10% | 0.10% |
| Requirements not met | 0.00% | 0.00% |
** Requirement period is each statement cycle. Rewards Checking requires 15 SFCU debit card transactions, a direct deposit or automated payment from an external source, enrollment in eStatements and successful login to online banking in the statement period. ATM withdrawals do not count as debit card transactions.
Disclaimer: The annual percentage yield is accurate as of 2.13.24 for interest-bearing and dividend bearing-term share accounts. The annual percentage yield is accurate as of the last dividend declaration date, 2.13.24, for dividend-bearing accounts other than term share accounts. Fees could reduce earnings.
See our Truth in Savings Disclosure
Savings Accounts
Regular Share
Minimum Balance: $5.00
0.05% APY
Money Market
Minimum Balance: $1,000.00
0.10% APY
Youth
Minimum Balance: $5.00 Balances up to $500 earns 1.00% Balances over $500 continue at 0.10%
1.00% APY
Swipe & Save
Balances up to $2,500 earns 5.00% Balances over $2,500 earns 0.10%
5.12% APY
Other Savings
0.05% APY
UTMA Share
Minimum Balance: $5.00
0.10% APY
Individual Retirement Accounts (IRAs)
0.25% APY
Business Money Market
Minimum Balance: $1,000.00
0.10% APY
See our Truth in Savings Disclosure
Certificates of Deposit (CDs)
Dividends Compounded Quarterly
Minimum Balance: $1,000.00
| Certificate Accounts | Rate | APY* |
|---|---|---|
| 3 Month Certificate | 2.50% | 2.52%* |
| 6 Month Certificate | 2.00% | 2.02%* |
| 12 Month Certificate | 2.00% | 2.02%* |
| 18 Month Certificate | 1.75% | 1.76%* |
| 24 Month Certificate | 1.75% | 1.76%* |
| 36 Month Certificate | 1.50% | 1.51%* |
| 48 Month Certificate | 1.50% | 1.51%* |
| 60 Month Certificate | 1.50% | 1.51%* |
Disclaimer: The annual percentage yield is accurate as of 3.4.25 (3 P.M. PST) for interest-bearing and dividend bearing-term share accounts. The annual percentage yield is accurate as of the last dividend declaration date, 3.4.25 (3 P.M. PST), for dividend-bearing accounts other than term share accounts. Fees could reduce earnings.
Mortgages For All
Whether you’re buying your first house, trading up to a dream home, or refinancing your existing one, Sno Falls has a home loan for you.
