Saginaw County Employees Credit Union
Loan Rates (November 1, 2008*)
| Auto Loans | RV Loans | Mortgages & Home Equities | Share Pledge Loans | Other Loans|
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*Rates subject to change at any time - the credit union should be contacted for the current rates. |
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APR = Annual Percentage Rate |
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ALL RATES ARE SUBJECT TO CREDIT SCORES |
| Vehicle Model Year | Maximum Term | Rates as low as* |
| 2009 - 2008 | 66 months | 5.75% APR* |
| 2009 - 2008 ($15,000 min.) |
78 months | 6.25% APR* |
| 2009 - 2008 ($20,000 min.) |
84 months | 6.75% APR* |
| 2008 | 66 months | 5.75% APR* |
| 2007 | 54 months | 5.75% APR* |
| 2006 | 54 months | 5.75% APR* |
| 2005 | 42 months | 5.75% APR* |
| 2004 & Older | 36 months | 6.75% APR* |
| Apply for a Loan |
| Vehicle | Maximum Term | Rates start at* |
| New or Used, Boats and Recreational | 66 months | 5.75% APR* |
| New or Used, Boats and Recreational | 84 months | 6.75% APR* |
| Apply for a Loan |
*Rates Adjusted Daily - Please Call 989-793-9188 for the Current Mortgage Rates*
| First Mortgages | Rates start at* | |
| Fixed Home Equity - up to 80% LTV 1 | 84 months | 5.75% APR* |
| Fixed Home Equity - up to 90% LTV 1 | 84 months | 7.75% APR* |
| Fixed Home Equity - up to 100% LTV1 | 84 months | N/A |
| HOME IMPROVEMENTS | 48 months | 8.00% APR* |
| Mobile Homes | 84 months | 10.00% APR* |
| 1st Mortgage 7 Year Balloon | amortization 360 months | |
| 15 Year Fixed Mortgage | 6.25% APR* | |
1 - If property needs appraisal, member will be responsible for cost of appraisal.
No closing cost Home Equity unless appraisal or title insurance required
Rates subject to change at any time - the credit union should be contacted for the current rates.
| Apply for a Loan |
| Share Pledge Loan | 6.75% APR | |
| Certificate of Deposit (CD) Pledge Loan | minimum of 6.00% APY | 3.00%APR + Certificate |
| Apply for a Loan |
| Rates start at* | ||
| SCECU MasterCard | Revolving | 9.99% APR* |
| Overdraft Protection Loan | Revolving | 15.00% APR* |
| Revolving Line of Credit | Revolving | 12.00% APR* |
| Personal Loan (over $1,000) | 8.00% APR* | |
| Personal Loan ($1,000 or less) | 15.00% APR* | |
| 30-60-90 Day Note | 15.00% APR* | |
| Apply for a Loan |
