Large Enough To Serve You,
Yet Small Enough To Know You.

Loan Rates and Products

Effective January 1, 2024 (subject to change without notice)

Auto – Model Year 2023 and newer

100% FINANCING AVAILABLE
Purchase or refinance from other financial Institutions only for the rates listed below

MONTHS	RATE
12-24 36 48 60 72 84	as low as 6.25%* APR** as low as 6.25%* APR** as low as 6.25%* APR** as low as 6.25%* APR** as low as 7.25%* APR** as low as 7.99%* APR**

Minimum loan amount $25,000 for 72 month term
Minimum loan amount $35,000 for 84 month term and Credit Score of 680 and above

Auto – Model Year 2019-2022

MONTHS	RATE
12-24 36 48 60 72	as low as 6.50%* APR** as low as 6.50%* APR** as low as 6.50%* APR** as low as 6.50%* APR** as low as 7.50%* APR**

Minimum loan amount $15,000 for 60 month term Minimum loan amount $25,000 for 72 month term

Auto –Model Year 2018 and Older

Up to 36 months maximum 8.99%* APR**

HOME EQUITY LINE OF CREDIT-VARIABLE RATE MAXIMUM LOAN TO VALUE 80%

Connecticut, owner occupied properties only. Loan amounts $10,000-$100,000. Rate will be variable and will be determined by credit score.

15 or 20 year terms available. Rates as low as 8.90%* APR**

HOME EQUITY/SECOND MORTGAGE-FIXED RATE- MAXIMUM LOAN TO VALUE 80%

Connecticut, owner occupied properties only. Loan amounts $10,000-$100,000. Rate will be fixed for term of loan.

MONTHS	RATE
60 120 180	as low as 7.00%* APR** Currently not offered Currently not offered

***NO APPLICATION FEES OR CLOSING COSTS***

SHARES PLEDGED LOANS—MAXIMUM $100,000

Shares will be frozen up to the balance of the loan until paid in full. Minimum monthly payment of $70.00.

MONTHS	RATE
12 to 60	as low as 2.05%* APR**

***********PERSONAL LOAN SEPCIALS****************

Borrow up to $5,000 for 12 months as low as 10.99%* APR**

Borrow up to $10,000 for 24 months as low as 11.99%* APR**

Borrow up to $10,000 for 36 months as low as 12.99%* APR**

CONSOLIDATION LOAN $10,000 MAXIMUM

Checks will be made payable to creditors only

MONTHS	RATE
12-36 48-60	as low as 12.10%* APR** as low as 12.60%* APR**

PERSONAL LOANS-UNSECURED

maximum loan amount $7500

MONTHS	RATE
12-24 36 48	as low as 12.59%* APR** as low as 13.59%* APR** as low as 14.59%* APR**

PERSONAL-COSIGNED - OTHER THAN SPOUSE MAXIMUM $10,000

Rate will be as listed above for Personal Loans for the Respective terms.

CHECKING LINE OF CREDIT

OVERDRAFT PROTECTION—VARIABLE RATE

Maximum credit line of $5,000. Rate will be variable, set quarterly and be determined by credit score.

Term Varies - Rate as low as 15.00%* APR**

* = Actual Rate will be determined by Credit Score. APR** = Annual Percentage Rate. The above rates include a 0.50% discount with a SVMCFCU Checking Account in good standing (excluding Real Estate Loans and Loan Specials)