Loan Rates

SFCUNM offers a complete line of loan products to fit your needs.  Call us or stop by one of our branches today.

 
Term
As Low As*
AUTOMOBILES
New Titled
84 mos.
4.99%
 
72 mos.
3.99%
 
60 mos.
3.79%
 
48 mos.
3.49%
 
Used Titled
72 mos.
4.50%
 
60 mos.
4.25%
 
48 mos.
4.00%
 
SIGNATURE LOAN
 
36 mos.
12.00%
 
24 mos.
11.00%
 
12 mos.
10.00%
 
SIGNATURE LOC
 
24 mos.
11.00%
 
MOTORCYCLES
New Titled
60 mos.
7.75%
 
48 mos.
7.25%
 
Used Titled
48 mos.
8.50%
 
36 mos.
8.00%
 
RECREATIONAL VEHICLES
New Titled
144 mos.
7.50%
 
96-120 mos.
7.25%
 
Used Titled
120 mos.
7.75%
 
84-96 mos.
7.50%
 
60-72 mos.
7.25%
 
*Includes T.T. & 5th Wheels
 
BOATS/ BOAT TRAILERS*
New Titled
72 mos.
7.50%
 
60 mos.
7.25%
 
Used Titled
48 mos.
7.75%
 
36 mos.
7.50%
 
HELOC- Variable
80% CLTV**
180 mos.
 P
 
90% CLTV**
180 mos.
P + 0.50% 
 
 
**Base of 5.00%; cap of 18.00%
 
Second Mtg. - FIXED
60 mos.
6.00%
 
96 mos.
6.25%
80% LTV
120 mos.
6.50%
 
 
60 mos.
6.25%
 
96 mos.
6.50%
90% LTV
120 mos.
6.75%
 
EDUCATIONAL PNM & NM GAS CO
6.80%
 
 
SHARE SECURED
4.99% with maxium one year term
 
SHARE CERTIFICATE
Certificate rate plus 2.00%
OR Floor rate of 4.99%, whichever is greater.
*Maturities must match; or loan matures BEFORE certificate
 
CREDIT CARDS
Visa Classic (12.50%)
 
Visa Platinum (9.99%)
 
Visa Platinum (6.75%)

Rates effective: July 29, 2010 and subject to change

* Actual interest rate based on credit history/score which can only be determined upon receipt of application