Credit Union Interest Rates
For a complete list of current rates and fees, click here.
For complete account disclosures, click here.
Rates are current as of March 21st, 2018.
|Term||A APR**||B+ APR**||B APR**||C APR**||D APR**||E APR**|
|2018 & 2017 Vehicles||Up to 84 Months||3.49-4.74%||5.99-7.24%||6.49-8.24%||10.74-12.49%||15.74-17.49%||17.99%|
|Used Vehicles||Up to 78 Months Based on Age and Rate Tier||3.74-7.99%||5.74-9.99%||6.74-10.99%||10.99-15.24%||15.99-17.99%||17.99%|
|48 Month Term||7.25||7.25||48|
|49 to 96 Month Term||8.50||8.50||96|
|48 Month Term||8.50||8.50||48|
|49 to 96 Month Term||9.50||9.50||96|
|New & 1 Year Old Motorcycles||Up to 72 Months||3.99-8.60%||5.99-10.60%||8.99-13.60%||14.99-16.60%||17.99%|
|Used Motorcycles||Up to 60 Months Based on Age||4.99-7.99%||6.99-8.99%||9.99-11.99%||15.99-16.99%||17.99%|
|Term||A APR**||B APR**||C APR**||D APR**||E APR**|
|New & 1 Year Old Boats||Up to 84 Months Based on Age and Rate Tier||3.99-9.10%||5.99-11.10%||8.99-13.60%||14.99-16.60%||17.99%|
|Used Boats||Up to 60 Months Based on Age||4.99-7.99%||6.99-8.99%||9.99-11.99%||15.99-16.99%||17.99%|
|Term||A+ APR**||A APR**||B+ APR**||B APR**||C APR**||D APR**||E APR**|
|37-48 Months||7.24%||8.24%||10.24%||11.24%||14.24%||17.24%||17.99%||49-60 Months||7.49%||8.49%||10.49%||11.49%||14.49%||17.49%||17.99%|
** APR = Annual Percentage Rate. Vehicle Loan Rates are determined by individual credit profile, terms, and age of vehicle. Personal Loan Rates are determined by individual credit profile.
|Home Equity Line of Credit - Variable Rate|
|10 Year Draw||
2.99% Fixed for 12 Months; Variable Thereafter Ranging from 4.50% - 8.00%
|Home Equity Loans - Fixed Rate - 91-100% Loan to Value|
|109 to 180 Month term||6.75%|
|Home Equity Loans - Fixed Rate - 81-90% Loan to Value|
|0-60 Months||4.75% - 5.50%|
|61-108 Months||5.25% - 6.00%|
|109 to 180 Month term||5.75% - 6.50%|
|Home Equity Loans - Fixed Rate - 80% or Lower Loan to Value|
|0-60 Months||3.75% - 8.00%|
|61-108 Months||4.25% - 7.00%|
|109-180 Months||4.75% - 6.00%|
***APR=Annual Percentage Rate. Terms are based on creditworthiness, loan-to-value ratio, collateral condition and subject to approval requirements. Rates apply to owner-occupied, primary single-family residence only. Property must be insured (including flood insurance, when required). Minimum loan or line of credit amount is $10,000 and maximum amount is $150,000. There may be fees associated with this loan, and an appraisal may be required. The HELOC APR may vary after the introductory period and the rate adjusts monthly by a margin over Wall Street Journal Prime, with a maximum 20 year amortization with 10 year draw period and 10 year repayment term. Payments during draw period are interest only and fully amortized over the 10 year repayment period with a rate ceiling APR of 18% and a floor APR of 4.25%. No annual fee or early termination fee. Loans and lines of credit are available for Nebraska and Iowa properties within SAC Federal Credit Union's lending area. Loan interest may be tax deductible. Please consult your tax advisor. Contact SAC FCU for available rates and terms for rental or investment properties. Some limitations apply.