Rate Disclosures

New Auto
*APR = Annual Percentage Rate. Example rate of 3.74% with 36 monthly payments = $29.41 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 3.99%). Rates quoted assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Out of State Vehicles are acceptable collateral, dealer transactions only. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. For more information, please contact our Loan Department at 800.222.1391.

Personal Choice Loan
*APR = Annual Percentage Rate. Example rate of 10.49% with 36 monthly payments = $32.50 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 10.74%). Rates quoted assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. For more information, please contact our Loan Department at 800.222.1391.

Platinum Visa
* APR - Annual Percentage Rate. Because rates, fees and terms are subject to change at anytime, you may contact us for the current information by calling the Credit Union at 415.564.3800 or 800.222.1391. All new applications are subject to terms, conditions, and credit approval. You must be at least 18 years of age.

30-year Fixed Conforming/Portfolio
*APR = Annual Percentage Rate. Example rate of 5.50% APR with 360 monthly payments (30 Year) = $567.79 monthly per $100,000 borrowed. No pre-payment penalty on early payoffs of loans. Rates, Terms and conditions are subject to change without notice.

15-year Fixed Conforming/Portfolio
*APR = Annual Percentage Rate. Example rate of 5.25% APR with 180 monthly payments (15 Year) = $803.88 monthly per $100,000 borrowed. No pre-payment penalty on early payoffs of loans. Rates, Terms and conditions are subject to change without notice.

3/1 ARM Treasury Conforming/Portfolio
*APR = Annual Percentage Rate. Example rate of 3.50% APR with 360 monthly payments (30 Year) = $449.04 monthly per $100,000 borrowed. No pre-payment penalty on early payoffs of loans. Rates, Terms and conditions are subject to change without notice. Rates are subject to increase after the initial fixed-rate period.