Rates

Smart Rates.
Real Benefits.

Today's Latest Rates

Sacramento Credit Union (SCU) is a not-for-profit institution, meaning our savings rates help your deposits earn more money while our loans and mortgages are structured to reduce the amount of interest you pay. In short, we provide what you need to get ahead.

Loans

Auto Loan Rates

TermAPR1 As Low As
NEW AUTO2 PURCHASE OR REFINANCE
48 months4.99%
60 months4.99%
72 months5.09%
84 months5.49%
USED AUTO PURCHASE OR REFINANCE
48 months5.19%
60 months5.19%
72 months5.29%
84 months5.69%
USED AUTO 2015 AND OLDER
48 months9.19%
DISCLOSURES:  

Boat, RV, Motorcycle Loan Rates

LoanAmount
Up To3
Term Up ToAPR4 As Low As
RVs & BOATS
New¹ $100K144 months6.99%
Used¹ $100K144 months6.99%
MOTORCYCLES
New²$35K72 months7.19%
Used²$25K60 months7.24%
DISCLOSURES:  

Personal Loan Rates

AmountTermAPR1 As Low As
Up to $25,000Up to 60 months8.99%
DISCLOSURES:  

Personal Line of Credit Rates

LoanAmountTermAPR1 As Low As
Variable Rate2
Up to $25,000N/A11.90%
DISCLOSURES:  

Secured Loan Rates

LoanAmountTermAPR1
Secured by Savings Account
N/AUp to 60 months3% over current highest share rate
DISCLOSURES:  

Mortgage and Home Equity

Mortgage Purchase Rates

Fixed-Rate Mortgages
Loan TypeRates2APR1Points
30-YEAR FIXED5.625%5.829%1.00
5.750%5.908%0.50
20-YEAR FIXED5.500%5.772%1.00
5.625%5.836%0.50
15-YEAR FIXED5.250%5.592%1.00
5.375%5.639%0.50

Adjustable Rate Mortgages 3
Loan TypeRates2APR1Points
5/1 ARM5.500%5.656%0.5
5.625%5.735%0.0
Payment Examples
7/1 ARM5.500%5.656%0.5
5.625%5.735%0.0
Payment Examples
10/1 ARM5.875%6.034%0.5
6.000%6.113%0.0
Payment Examples
DISCLOSURES:  

Mortgage Refinance Rates

Loan TypeRatesAPR1Points
30-YEAR FIXED5.625%5.829%1.00
5.750%5.908%0.50
5.875%5.987%0.00
20-YEAR FIXED5.500%5.772%1.00
5.625%5.836%0.50
5.750%5.899%0.00
15-YEAR FIXED5.250%5.592%1.00
5.375%5.639%0.50
5.500%5.686%0.00
DISCLOSURES:  

Home Equity Loan Rates

TermRateAPR1 As Low As
48-240 months5.99%-10.69%5.99%
DISCLOSURES:  

Home Equity Line of Credit Rates

Term1AmountAPR2 As Low As
Total Term: 25 years
Draw period for advances: 10 years
Repayment period: 15 years
$10,000 and up8.00%
DISCLOSURES:  

Credit Cards

Credit CardAPR1 As Low As
VISA PLATINUM CREDIT CARD12.00%
VISA PLATINUM REWARDS PLUS CREDIT CARD13.90%
VISA SECURED CREDIT CARD17.75%
DISCLOSURES:  

Deposit Accounts

Checking Rates

Minimum Balance to Earn DividendsDividend RateAPY1
FREE REWARDS CHECKING
$0 - $20,0004.27% Requirements Met24.35%
$20,000+.10% Requirements Met24.35% - 0.930%
All balances if qualifications not met0.01%0.01%
DISCLOSURES:  

Savings Rates

Balance RangeDividend RateAPY1
MONEY MARKET2
$2,500 - $9,9990.15%0.15%
$10,000 - $24,9990.90%0.90%
$25,000 - $49,9991.00%1.00%
$50,000 - $99,9991.05%1.06%
$100,000 - $249,9991.30%1.31%
$250,000 - $499,9991.40%1.41%
$500,000 and over 1.49%1.50%
PREMIUM MONEY MARKET3
$50,000 - $99,9991.75%1.76%
$100,000 - $249,9992.00%2.02%
$250,000 - $499,9992.25%2.27%
$500,000 and over 2.50%2.53%
SAVINGS ACCOUNTS (All Types)4
$300 - $9990.05%0.05%
$1,000 - $4,9990.05%0.05%
$5,000 - $9,9990.05%0.05%
$10,000 - $99,9990.08%0.08%
$100,000 and over0.15%0.15%
IRA SHARE ACCOUNTS (All Types)
$300 - $9990.05%0.05%
$1,000 - $4,9990.05%0.05%
$5,000 - $9,9990.05%0.05%
$10,000 - $99,9990.08%0.08%
$100,000 and over0.15%0.15%
DISCLOSURES:  

Certificate Rates

Minimum BalanceDividend RateAPY1
Fall Certificate Special (CDs)
$500 for IRA Share Certificate
$1000 for Share Certificate
7-MONTH3.98%4.05%
13-MONTH3.83%3.90%
3-MONTH (IRA not Eligible)
$1,0002.96%3.00%
$20,0002.96%3.00%
$50,0002.96%3.00%
$100,0002.96%3.00%
6-MONTH
$1,0003.00%3.04%
$20,0003.00%3.04%
$50,0003.00%3.04%
$100,0003.01%3.05%
12-MONTH
$1,0003.35%3.40%
$20,0003.35%3.40%
$50,0003.35%3.40%
$100,0003.40%3.45%
18-MONTH
$1,0003.35%3.40%
$20,0003.35%3.40%
$50,0003.35%3.40%
$100,0003.40%3.45%
24-MONTH
$1,0003.40%3.45%
$20,0003.40%3.45%
$50,0003.40%3.45%
$100,0003.45%3.51%
30-MONTH
$1,0003.40%3.45%
$20,0003.40%3.45%
$50,0003.40%3.45%
$100,0003.45%3.51%
36-MONTH
$1,0003.50%3.56%
$20,0003.50%3.56%
$50,0003.50%3.56%
$100,0003.54%3.60%
48-MONTH
$1,0003.55%3.61%
$20,0003.55%3.61%
$50,0003.55%3.61%
$100,0003.59%3.65%
60-MONTH
$1,0003.70%3.76%
$20,0003.70%3.76%
$50,0003.70%3.76%
$100,0003.74%3.80%
DISCLOSURES:  

Business Accounts

Business Account Rates

Minimum Balance to Earn DividendsDividend RateAPY1
BUSINESS MONEY MARKET2
$2,500- $9,999.990.15%0.15%
$10,000 - $49,999.990.75%0.75%
$50,000 - $99,999.991.00%1.00%
$100,000 - $249.999.991.15%1.16%
$250,000 - $499,9991.25%1.26%
$500,000 and over1.75%1.76%
BUSINESS SAVINGS
$3000.05%0.05%
$1,0000.05%0.05%
$5,0000.05%0.05%
$10,0000.08%0.08%
$100,000 and over0.15%0.15%
BUSINESS INTEREST CHECKING3
$1.00 - $4,999.990.00%0.00%
$5,000 - $9,999.990.01%0.01%
$10,000 - $24,999.990.01%0.01%
$25,000 - $99,9990.01%0.01%
DISCLOSURES: