Auto, Truck & Motorcycle
Loan Term In Months |
Annual Percentage Rate |
Thanku Discounts |
To – 24 |
6.50% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
Automatic Payment Transfer |
-0.25% |
5+ Years of Membership |
-0.25% |
Debt Protection |
-0.25% |
Active College or Trade School Student |
-0.50% |
Active SCFCU Checking Account |
-0.50% |
Active SCFCU Real Estate Loan |
-1.00% |
680+ Credit Score |
-1.00% |
Refi' Discount - applies when refinancing from another financial institution |
-1.00% |
Payment Calculator
|
25 – 36 |
7.00% |
37 – 48 |
7.50% |
49 – 60 |
7.75% |
61 – 72 |
8.25% |
73 – 841 |
8.50% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Auto Loan at 2.50% APR* is $42.77 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Loan Term In Months |
Paylock Loan
Variable Rate/Fixed Payment** |
To – 24 |
Introductory APR* First 6 Months
0.99%
After Introductory Period
Prime + 1.00%
|
25 – 36 |
37 – 48 |
49 – 60 |
61 – 72 |
73 – 841 |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. Credit union may discontinue promotion at any time.
|
Boat and RV
Loan Term In Months |
Variable Rate Fixed Payment** |
To – 24 |
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 3.00%
|
25 – 36 |
37 – 48 |
49 – 60 |
61 – 72 |
73 – 84 |
85 – 120 |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Loan Term In Months |
Annual Percentage Rate |
Thanku Discounts |
To – 24 |
7.50% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
Automatic Payment Transfer |
-0.25% |
5+ Years of Membership |
-0.25% |
Debt Protection |
-0.25% |
Active College or Trade School Student |
-0.50% |
Active SCFCU Checking Account |
-0.50% |
Active SCFCU Real Estate Loan |
-1.00% |
680+ Credit Score |
-1.00% |
|
25 – 36 |
7.50% |
37 – 48 |
7.50% |
49 – 60 |
7.75% |
61 – 72 |
8.00% |
73 – 84 |
9.00% |
85 – 120 |
9.50% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Boat/RV Loan at 4.50% is $43.65 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Outdoor Activity
Loan Term In Months |
Variable Rate Fixed Payment** |
To – 24 |
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 4.00%
|
25 – 36 |
37 – 48 |
49 – 60 |
*Annual Percentage Rate
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Loan Term In Months |
Annual Percentage Rate |
Thanku Discounts |
To – 24 |
9.00% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
Automatic Payment Transfer |
-0.25% |
5+ Years of Membership |
-0.25% |
Debt Protection |
-0.25% |
Active College or Trade School Student |
-0.50% |
Active SCFCU Checking Account |
-0.50% |
Active SCFCU Real Estate Loan |
-1.00% |
680+ Credit Score |
-1.00% |
|
25 – 36 |
9.00% |
37 – 48 |
9.25% |
49 – 60 |
9.50% |
Rates apply to new or used fixed rate loans and are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 6.00% APR* is $44.32 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Personal Unsecured
Loan Term In Months |
Variable Rate Fixed Payment** |
To – 24 |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 6.00%
|
25 – 36 |
37 – 48 |
49 – 60 |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
Loan Term In Months |
Fixed Rate APR* |
Thanku Discounts |
To – 24 |
10.00% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
Automatic Payment Transfer |
-0.25% |
5+ Years of Membership |
-0.25% |
Debt Protection |
-0.25% |
Active College or Trade School Student |
-0.50% |
Active SCFCU Checking Account |
-0.50% |
Active SCFCU Real Estate Loan |
-1.00% |
680+ Credit Score |
-1.00% |
|
25 – 36 |
13.00% |
37 – 48 |
14.00%
|
49 – 60 |
14.00% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Rates are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
STUDENT & EDUCATIONAL LoanS
|
Index/Margin*** |
APR* |
Undergraduate Student Loan Programs |
Click for Details |
|
Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
|
Tuition Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
10.00% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. |
ECASH (Overdraft Protection)
|
Index/Margin*** |
Variable APR* |
Revolving |
Prime + 6.00% |
14.00% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
Savings Secured Loan
|
Annual Percentage Rate |
Up to 60 Months |
1.55%
Share Rate + 1.50%
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
Savings Secured Line of Credit
|
Index/Margin |
Variable APR* |
Revolving |
Share + 1.50% |
1.55%
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin. As of 12/31/2022 the Share Rate was 0.05% APR (Annual Percentage Rate). The rate will be adjusted on the last day of every month plus the margin.
|
Certificate of Deposit Secured Loan
Term |
Annual Percentage Rate |
Up to 36 Months |
Certificate Rate + 3.00% |
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
Home Equity Line of Credit
Term |
Maximum Amount |
Annual Percentage Rate |
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
80% Loan to Value (CLTV)
|
Introductory Period
First 12 Months
5.50%
After Introductory Period
Prime + 1.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
100% Loan to Value (CLTV) |
Prime + 2.50%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
Not to exceed $250,000.00
The credit union reserves the right to discontinue promotion at anytime.
Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin.
|
Home Equity Loan
Term |
Fixed Annual Percentage Rate |
Maximum Amount |
Up to 5 Years
|
6.99%
|
80% Loan to Value (CLTV)
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
5 to 10 Years
|
6.99%
|
10 to 15 Years
|
6.99%
|
15 to 20 Years
|
6.99%
|
Up to 20 years
|
9.75%
|
100% Loan to Value (CLTV)
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
Not to exceed $250,000.00
Sample payment per $1,000, based on a 5 year Home Equity Loan at 6.99% APR* and 80% Loan to Value (CLTV) is $19.80. Sample payment per $1,000, based on a 20 year Home Equity Loan at 9.75% APR* and 100% Loan to Value (CLTV) is $9.49.
|
Home Improvement
Loan Term in Months |
Annual Percentage Rate |
Thanku Discounts |
To - 36 |
8.25% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
Automatic Payment Transfer |
-0.25% |
5+ Years of Membership |
-0.25% |
Debt Protection |
-0.25% |
Active College or Trade School Student |
-0.50% |
Active SCFCU Checking Account |
-0.50% |
Active SCFCU Real Estate Loan |
-1.00% |
680+ Credit Score |
-1.00% |
|
37 - 48 |
8.50% |
49 - 60 |
8.75% |
61 - 72 |
9.00% |
73 - 84 |
10.25% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. Sample payment based on a 36 month Home Improvement Loan at 5.25% Annual Percentage Rate is $30.09 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Loan Term in Months |
Maximum Amount |
Annual Percentage Rate |
Up to 20 Years |
133% Loan to Value (CLTV) |
11.00% |
RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
Purchase Money Second Mortgage loan
Term |
Maximum Amount |
Fixed APR* |
Up to 30 years |
100% Loan to Value (CLTV) |
Mortgage Rate + 2.00% |
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. |
PURCHASE MONEY SECOND MORTGAGE line of credit
Term |
Maximum Amount |
Annual Percentage Rate |
Term: Up to 30 Years
Draw Period: 10 Years
(included in repayment term)
|
100% Loan to Value (CLTV) |
Prime + 2.50% |
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. |
Mortgage
|
Annual Percentage Rate |
Mortgage Programs
Conventional Mortgages
Adjustable Rate Mortgages (ARM)
Federal Housing Administration (FHA)
Veteran Affairs (VA)
United States Department of Agriculture (USDA)
|
Rates Calculator
Receive a Personalized Quote Today!
|
Teacher ASSISTANCE LOAN
Loan Term In Months |
Fixed Rate APR* |
9 Months |
0.00% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
MORTGAGE REFINANCE line of credit
Terms |
Details |
Annual Percentage Rate |
Term: Up to 25 Years
Draw Period: 10 Years
(included in repayment term)
Maximum Amount:
100% Loan to Value (CLTV)
Maximum $250,000
|
No PMI Required
No Appraisal Fee
No Title Search Fee
No Application Fee
No Attorney Fee
No Recording Fee
No Pre Payment Penalty
No Tax Escrow Required
Cash Out Available
|
9.00%
Prime + 1.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
mortgage refINANCE LOAN
Terms |
Maximum Amount |
Fixed Annual Percentage Rate |
Term: Up to 20 years
Maximum Amount: 100% Loan to Value (CLTV)
Maximum $250,000
|
No PMI Required
No Appraisal Fee
No Title Search Fee
No Application Fee
No Attorney Fee
No Recording Fee
No Pre Payment Penalty
No Tax Escrow Required
Cash Out Available.
|
10.00%
Prime Rate + 2.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
Term: Up to 30 years
Maximum Amount: 100% Loan to Value (CLTV)
Maximum $250,000
|
100% Loan to Value (CLTV)
Maximum $250,000
Cash Out Not Available.
|
10.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
Title insurance may be required at owner’s expense. This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Geographic Areas: Only properties located in the following counties will be considered: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington.
1.00% Origination Fee Applies.
|
Skip-a-Pay application
It's okay to skip your loan payments with Skip-a-Pay!
Skip-a-Pay allows members to defer up to two (2) loan payments a year for only $35/skip. Choose to skip consecutive or varying months. Simply fill out the form below indicating which loan you would like to skip your monthly loan payment for and we will take care of the rest. To qualify, loans must be paid up to date and cannot be delinquent.
Skip-a-Pay may be available on the following programs:
Auto | Boat/RV | Credit Cards | Home Equity Lines of Credit | Personal Loans
Note: Fees will be collected at time of request.
Member is responsible for stopping any automatic payments or payments scheduled through another financial institution. Receipt of this form does not guarantee eligibility.