FRAUD ALERT: We are aware of a scam in which fraudsters have been calling our members claiming to be from SCU Credit Union. Scammers can “spoof” the name and number on a phone call or text message in the hopes that you will answer. As a reminder: SCU Credit Union will never contact you and request information like PIN, account numbers, Social Security Numbers and online banking passwords. You should not give out or confirm any of this information unless YOU initiated the phone call. Use caution if you are being pressured for information immediately or if there is a sense of urgency.

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Auto & RV Loans

New Auto Loans
Effective Date: February 16, 2024
Vehicle YearAPRMonthly Payment per $1,000Term
2023-2024 6.49% $18.77 Up to 63 Months
  6.89% $17.00 64 - 72 Months
  6.89% $16.45 73 - 75 Months
  7.54% $15.36 76 - 84 Months
*84 Month Term is only available on vehicles with less than 30,000 miles & loans greater than $30,000

APR = Annual Percentage Rate

Rates subject to change at any time. Your Annual Percentage Rate, Term and Approved Loan Amount may vary based on your credit worthiness. Please ask a loan representative for details regarding how your rate is determined. 

Used Auto Loans
Effective Date: February 16, 2024
Vehicle YearAPRMonthly Payment per $1,000Term
APPLY     CALCULATORS
2020-2022 6.74% $18.89 Up to 63 Months
  7.39% $17.24 64 - 72 Months
  7.39% $16.69 73 - 75 Months
2017-2019 6.89% $18.96 Up to 63 Months
  7.49% $17.29 64 - 72 Months
  7.49% $16.74 73 - 75 Months
2014-2016 7.89% $19.44 Up to 63 Months
APR = Annual Percentage Rate
Rates subject to change at any time. Up to 125% financing available for vehicle years 2014-2022. Your Annual Percentage Rate, Term and Approved Loan Amount may vary based on your credit worthiness. Please ask a loan representative for details regarding how your rate is determined. Maximum vehicle mileage is 120,000.

With SCU Credit Union’s Student Auto Loan Program, you can earn discounts on your auto loan rate based on your Grade Point Average.

With our Energy Efficient Vehicle Loan program you can get an additional .25% discount* on your qualified interest rate on any Energy Efficient vehicle rated 7 or higher by the Environmental Protection Agency (EPA) in the areas of both Air Pollution Score and Greenhouse Gas Score. Please ask a Member Service Representative for more information.

*Best advertised rate takes precedence over any additional discounts.

Credit Builder Auto Loan
With our Credit Builder Auto Loan program, if your credit score improves after taking out your auto loan with us, you may be able to reduce your interest rate for the remainder of the term.

Motorcycle Loans
Effective Date: July 22, 2023
Enjoy the fresh air when you purchase a motorcycle with the help of a SCU Credit Union motorcycle loan.
Type and YearAPR 95% FinancingMonthly Payment per $1,000Term
Motorcycle New (2023-2024) 6.99% $23.94 48 Months
  7.24% $19.13 63 Months
Motorcycle Used (2017-2022) 8.24% $24.53 48 Months
  8.49% $19.73 60 Months
APR = Annual Percentage Rate
Maximum Loan Amount $25,000
*Rates subject to change at any time. Your Annual Percentage Rate, Term and Approved Loan Amount may vary based on your credit worthiness. Please ask a loan representative for details regarding how your rate is determined.

Boat Loans
Effective Date: July 22, 2023
Cruise the water in style with a boat financed by SCU Credit Union. We offer competitive interest rates and flexible repayment options.
Type and YearAPR 95% FinancingMonthly Payment per $1,000Term
Boat - Up to 24' New (2023-2024) 8.49% $20.51 60 Months
  9.49% $18.27 72 Months
  10.24% $13.35 120 Months
  11.49% $11.68 180 Months
  12.49% $11.35 240 Months
Boat - Up to 24' Used (2017-2022) 8.99% $20.75 60 Months
APR = Annual Percentage Rate

Maximum loan amount for new boats is $300,000. Maximum loan amount for used boats is $75,000.  

*Rates subject to change at any time. Your Annual Percentage Rate, Term and Approved Loan Amount may vary based on your credit worthiness. Please ask a loan representative for details regarding how your rate is determined.

Camper Loans
Effective Date: July 22, 2023
Enjoy the outdoors in a new or used camper! We offer competitive interest rates and flexible repayment options to assist you with the purchase or refinancing of a camper.
Loan AmountAPR 95% FinancingMonthly Payment per $1,000Term
New (2023-2024) 8.49% $20.51 60 Months
  9.49% $18.27 72 Months
  9.74% $16.47 84 Months
  9.99% $15.17 96 Months
  10.24% $14.21 108 Months
  10.49% $13.49 120 Months
  11.49% $11.68 180 Months
Used (2017-2022) 9.49% $21.00 60 Months
APR = Annual Percentage Rate
Camper max loan amount = $125,000. Loan amounts greater than $100,000 require 20% down payment.
*Rates subject to change at any time. Your Annual Percentage Rate, Term and Approved Loan Amount may vary based on your credit worthiness. Please ask a loan representative for details regarding how your rate is determined.
 
*Drop trailers, flatbed trailers, and in-bed campers are not eligible for financing.

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