Loan Rates and Products
Effective January 1, 2025 (subject to change without notice)
Auto – Model Year 2024 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 5.75%* APR** as low as 5.75%* APR** as low as 5.75%* APR** as low as 5.75%* APR** as low as 6.75%* APR** as low as 7.49%* 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 2020-2023
MONTHS | RATE |
---|---|
12-24 36 48 60 72 |
as low as 6.00%* APR** as low as 6.00%* APR** as low as 6.00%* APR** as low as 6.00%* APR** as low as 7.00%* APR** |
Minimum loan amount $15,000 for 60 month term Minimum loan amount $25,000 for 72 month term
Auto –Model Year 2019 and Older
Up to 36 months maximum 8.49%* 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 8.00%* 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 14.25%* 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)
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