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Our Rates

Vehicle Loan Rates

Product Up to 48 months1
APR2 as low as
Up to 60 months1
APR2 as low as
Up to 72 months1
APR2 as low as
Up to 84 months1
APR2 as low as
New Autos3 7.49% 7.49% 7.49% 7.74%
Used Autos4 7.74% 7.74% 7.74% 7.99%
New Motorcycles5 7.49% 7.49% 7.49% Not Available
Used Motorcycles6 7.99% 7.99% Not Available Not Available
Product Up to 48 months1
APR2 as low as
Up to 60 months1
APR2 as low as
New Autos3 7.49% 7.49%
Used Autos4 7.74% 7.74%
New Motorcycles5 7.49% 7.49%
Used Motorcycles6 7.99% 7.99%
Product Up to 72 months1
APR2 as low as
Up to 84 months1
APR2 as low as
New Autos3 7.49% 7.74%
Used Autos4 7.74% 7.99%
New Motorcycles5 7.49% Not Available
Used Motorcycles6 Not Available Not Available

Mortgage Loans

Product Rate APR7
30-year fixed 6.875% 6.980%8
5/1 ARM 6.250% 6.351%9
7/1 ARM 6.375% 6.477%9

HELOC

Product Intro APR APR10
Variable Rate HELOC 7.490% 8.500%
Fixed-rate HELOC 7.490%

Personal Loans

 

Product Terms APR11
Signature Loan Up to 36 months as low as 9.24%
37-48 months as low as 9.74%
49-66 months as low as 10.24%
Line of Credit Open Ended 18.00%12
Share Secured up to 60 months As low as 6.99% APR, OR 2.00% above current dividend rate, whichever is greater
Fresh Start up to 30 months As low as 15.00%
Certificate Secured up to 60 months As low as 6.99% APR, OR 2.00% above the certificate rate, whichever is greater

Credit Cards

Product Secured16 VISA® Direct15 VISA® Platinum14 VISA® Signature13 VISA®
Annual Percentage Rate (APR) 18.00% APR 14.00% –18.00% APR

Variable, depending on creditworthiness

15.00% – 18.00% APR

Variable; depending on creditworthiness

16.00% – 18.00% APR

Variable, depending on creditworthiness

Introductory APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 14.00%–18.00% APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 15.00% – 18.00% APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 16.00% – 18.00% APR
Balance Transfer Rate Currently 18.00% APR 0% APR for the first 12 months after card opening; then reverts to card rate17 0% APR for the first 12 months after card opening; then reverts to card rate17 0% APR for the first 12 months after card opening; then reverts to card rate17
Balance Transfer Fee $10 or 2.5% of the transfer (whichever is greater) None for first 12 months after card opening18 None for first 12 months after card opening18 None for first 12 months after card opening18
Annual Fee None the first year. Each year thereafter, $25 per year. Annual fee is waived for members who conduct a minimum of $1,000.00 in transactions over a 12 month period. None the first year. Each year thereafter, $25 per year. Annual fee is waived for members who conduct a minimum of $1,000.00 in transactions over a 12 month period. No Annual Fee No Annual Fee
Foreign Transaction Fee 1% of transaction amount 1% of transaction amount 1% of transaction amount
Product Secured16 VISA® Direct15 VISA®
Annual Percentage Rate (APR) 18.00% APR 14.00%–18.00% APR

Variable, depending on creditworthiness

Introductory APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 14.00%–18.00% APR
Balance Transfer Rate Currently 18.00% APR 0% APR for the first 12 months after card opening; then reverts to card rate17
Product Platinum14 VISA® Signature13 VISA®
Annual Percentage Rate (APR) 15.00% – 18.00% APR

Variable; depending on creditworthiness

16.00% – 18.00% APR

Variable, depending on creditworthiness

Introductory APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 15.00% – 18.00% APR 0% APR for the first 12 months after card opening on purchases and balance transfers17, then a variable card rate of 16.00% – 18.00% APR
Balance Transfer Rate 0% APR for the first 12 months after card opening; then reverts to card rate17 0% APR for the first 12 months after card opening; then reverts to card rate17
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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