Current Interest Rates For Loans

Grade A B C D
Score 700+ 640-699 600-639 Less Than 600

Fair Isaac Score Intervals

Unsecure Signature Rates

Current Interest Rates For Loans

Grade A B C D
Score 8.49% APR%* 9.49% APR%* 16.50% APR%* 18.00% APR%*

Less than $501 the rate will be 18%

Secured Auto Sales

2016-Newer A
Rates As Low As
B
Rates As Low As
C
Rates As Low As
D
Rates As Low As
Up to 60 Months 1.99% APR* 3.99% APR* 9.50% APR* 13.50% APR*
72 Months 3.99% APR* 4.99% APR* 11.00% APR* 15.00% APR*
84 Months 4.99% APR* 5.99% APR* Not Applicable Not Applicable
2014-2015
Up to 60 Months 3.99% APR* 4.99% APR* 11.75% APR* 16.75% APR*
72 Months 4.25% APR* 5.25% APR* 12.00% APR* 17.00% APR*
2013-Older
Up to 60 Months 4.99% APR* 5.99% APR* 14.00% APR* 18.00% APR*

Vehicles Older Than 2013 and Vehicles with Mileage Exceeding 75,000 May Increase Rate.

RVs/Boats/Farm Equipment/Mowers

2016-Newer A
Rates As Low As
B
Rates As Low As
C
Rates As Low As
D
Rates As Low As
Up to 60 Months 3.99% APR* 4.99% APR* 11.75% APR* 15.00% APR*
72 to 84 Months 4.99% APR* 5.99% APR* 12.00% APR* 16.00% APR*
96 to 120 Months 5.99% APR* 6.99% APR* Not Applicable Not Applicable
180 to 240 Months 6.99% APR* 7.99% APR* Not Applicable Not Applicable
2014-2015
Up to 60 Months 4.99% APR* 5.99% APR* 12.00% APR* 15.25% APR*
72 to 84 Months 5.99% APR* 6.99% APR* 12.25% APR* 16.25% APR*
96 to 120 Months 6.99% APR* 7.99% APR* Not Applicable Not Applicable
2013-Older
Up to 60 Months 6.50% APR* 6.75% APR* 14.00% APR* 18.00% APR*
72 to 84 Months 6.75% APR* 7.00% APR* 14.25% APR* Not Applicable

MasterCard Credit

Score Intro Rate For 6 Months
790+ Prime +1.00%* 2.99% APR*
740-789 Prime +2.00%* 2.99% APR*
700-739 Prime +3.50%* 2.99% APR*
680-699 Prime +6.50%* 4.99% APR*
640-679 Prime +9.00%* 4.99% APR*
Less than 640 Prime +11.50%* 4.99% APR*

Share Secure

Term Rate
12 Months 3.5% APR
24 Months 3.5% APR
36 Months 4.0% APR
48 Months 4.5% APR
60 Months 5.0% APR

*APR= Annual Percentage Rate. Rates are subject to change without notice. Applicants must qualify based on SWECU's underwriting guidelines. 0.25% rate reduction for checking, direct deposit, CD. Mastercard or Money Manager up to a 0.50% reduction. (some restrictions apply) Loans of <$501 - 18% APR* rate Secured Mastercard Credit Card-18.00% Secured by 120% of Share Account. Home Equity/Home Improvement Rates- Rates will be based on daily CU Member Mortgage Rates with rate adjustment of 1.25%. An additional adjustment of 1.00% for loans less than $75,000.00. If adjustments are in between, use next higher rate adjustment. Applicants must have a credit score of 640 or greater. Maximum term of 180 Months. Credit Union reserves the right to increase the rate for collateral fours years of age or older if amount financed is greater than the loan value. CD secured 2% APR* over CD rate Used car rates slightly higher - contact Credit Union Maximum rate on all categories - 18% APR*. Some rates don't qualify for rate reductions.