Loans

Personal Loans

Loading...

Personal Choice

An SFPCU Personal Loan is a great way to borrow for any purpose or to consolidate existing debt into one, low monthly payment. 

Features and Benefits

  • Low, competitive fixed rates
  • Loan amounts up to $25,000
  • Lump-sum distribution
  • No security in the form of collateral is required
  • Terms up to 60 months
  • Balances over $15,000.00 may be extended to a 72-month term
  • May be used for any reason including vacations, tuition, debt consolidation, vehicle repairs, etc. 
*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

Personal Loan - Current Rates

Effective March 3, 2014

LoanLoan MaximumTermAPR As Low As*
Personal Choice Loan++ $25,0001-36 months10.49%
37-60 months11.49%
61-72 months12.99% $15k & over

*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 above 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 current rates or other information, call us at 800.222.1391.
++Maximum aggregate signature loan balances cannot exceed $25,000.00 per member. For more information, please contact our Loan Department at 800.222.1391

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online 
  • Apply in Person: Visit a branch location and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.

Overdraft Protection Loan

Overdrafts can happen to anyone. Have peace of mind with an Overdraft Protection Loan from SFPCU. If an overdraft occurs, funds will be automatically transferred to your Checking Account. 

Features and Benefits

  • Low, competitive fixed rates
  • Loan amounts up to $2,000
  • No monthly service or usage fees
  • No security in the form of collateral is required
  • Security of not worrying about overdrawing your Checking Account

Rates

Overdraft Protection Loan - Current Rates

Effective March 3, 2014

LoanLoan MaximumTermAPR As Low As*
Overdraft Protection $2,0001-36 months12.99%

* APR = Annual Percentage Rate. Rates quoted above 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. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online 
  • Apply in Person: Visit a branch location and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.

Share Secured Loans

Use your Share Savings Account or Share Certificate to secure a low-cost loan, while still earning dividends on your money.

Features and Benefits

  • The interest rate is just 3.00% above your savings or certificate rate
  • Convenient, use for any purpose
  • Terms up to 60 months
  • Continue to earn dividends on your pledged funds
  • Flexible payment options
* APR = Annual Percentage Rate. Example rate of 3.50% with 60 monthly payments = $18.19 per $1,000 borrowed.

Rates

Share Secured Loan - Current Rates

Effective March 3, 2014

LoanLoan MaximumTermAPR As Low As*
Share Savings and
Certificate Secured Loans
Use your Savings or Certificate to secure a low-cost loan. The interest rate is just 3.00% above your Savings or Certificate rate. Savings Secured Loans are available for a maximum term of 60 months.

* APR = Annual Percentage Rate. Example rate of 3.50% with 60 monthly payments = $18.19 per $1,000 borrowed. Rates quoted above 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. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online 
  • Apply in Person: Visit a branch location and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.