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As a not-for-profit financial institution, one way we return profits back to our members is lower lending rates.

New Auto Loan Rates
Effective Jul 17, 2024
Description Term APR* as low as
New Auto and Truck Purchase/Refinance 12 to 36 mo 5.99%
New Auto and Truck Purchase/Refinance 48-60 mo 6.99%
New Auto and Truck Purchase/Refinance 61-72 mo 8.24%
New Auto and Truck Purchase/Refinance 73-84 mo 9.24%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant''s credit history; your rate could be higher.
Used Auto Loan Rates
Effective Jul 17, 2024
Description Term APR* as low as
Used Auto and Truck Purchase/Refinance 12 to 36 mo 6.24%
Used Auto and Truck Purchase/Refinance 48-60 mo 7.24%
Used Auto and Truck Purchase/Refinance 61-72 mo 8.49%
Used Auto and Truck Purchase/Refinance 73-84 mo 9.49%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant''s credit history; your rate could be higher.

Recreational Vehicle Loan Rates
Effective Jul 17, 2024
Description Term APR* as low as
New/Used RVs, Campers & Boats up to 72 mo 7.49%
New/Used RVs, Campers & Boats 73 - 120 mo 7.99%
New/Used RVs, Campers & Boats ($75,000 minimum Loan Amount Only) 121 - 180 mo 8.24%
New Motorcycles Up to 60 mo 6.99%
New Motorcycles 61 - 72 mo 8.24%
Used Motorcycles Up to 60 mo 7.24%
Used Motorcycles 61 - 72 mo 8.49%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant's credit history; your rate could be higher.

Visa Credit Card Rates
Effective Jul 17, 2024
Description Intro APR* Intro Term Standard Variable APR*
Platinum Rewards Visa 4.99% Balance Transfers & Purchases for 12 months, and 2,500 bonus points after the first purchase of $100 or more. 15.25% - 18.00%
Signature Rewards Visa 0% on Purchases and Balance Transfers 12 Months 16.50% - 17.99%
Student Visa 13.50%
Share-Secured Visa 13.50%
*APR = Annual Percentage Rate. Subject to creditworthiness. The VISA rates adjust quarterly, on the first day of January, April, July and October. The rate applied is based upon the Prime Rate effective 7/27/23 at 8.50% (as published in the Wall Street Journal) and remains in effect until the next change date.

For current mortgage rates, please submit a Mortgage Quick Request below, or contact our Mortgage Department at mortgages@securityplusfcu.org or 410-281-6236. Mortgage Rates

Rate lock available at application. All loans above 80% LTV require private mortgage insurance.
Home Equity Loan Rates
Effective Jul 17, 2024
Description Term APR* as low as No Closing Costs APR* as low as
Up to 85% LTV – $10,000 Min. 5 yr 6.00% 7.50%
Up to 85% LTV – $10,000 Min. 10 yr 7.50% 8.50%
Up to 85% LTV – $10,000 Min. 15 yr 8.00% 9.00%
LTV = Loan-to-Value ratio
Choose a lower rate and pay your own closing costs or choose a higher rate with no closing costs.
*APR=Annual Percentage Rate. Subject to creditworthiness. This is a fixed rate loan. Minimum loan amount is $10,000.

Home Equity Line of Credit Rates
Effective Jul 17, 2024
LTV Term APR* as low as Introductory Offer
Up to 80% Up to 15 yr 8.50% Fixed 18-month 5.99% APR*
81% to 90% Up to 15 yr 9.50% Fixed 18-month 5.99% APR*
91% to 100% Up to 15 yr 11.50% Fixed 18-month 5.99% APR*
LTV=Loan-to-Value ratio *APR = Annual Percentage Rate. Subject to creditworthiness. Introductory rate will be fixed for the first 18 months. The standard, post-introductory APR will be a variable rate tied to the Wall Street Journal Prime Rate, which may adjust monthly. The prime rate as of July 27, 2023 is 8.50%. The rate floor for all home equity lines of credit is 8.50% APR. Minimum loan amount is $10,000.

Personal Loan Rates
Effective Jul 17, 2024
Description Term APR* as low as
Personal Loan 12 to 36 mo 9.74%**
Personal Loan 37 to 60 mo 10.24%**
Personal Line of Credit Revolving 15.25%***
Quick Cash - $500 or $1,000 6 mo 28.00%
Credit Builder Loan 6 - 36 mo 3.00% above index
*APR=Annual Percentage Rate. Subject to creditworthiness.
**Rate shown reflects a 0.25% discount for automatic loan repayment.
***Personal Line of Credit has a floor rate of 5.00%. Eligible for a 0.25 basis points discount for autopay (The Rate will never go below 5.00%). Subject to creditworthiness.
The APR for a Credit Builder Loan is 3.00% above the dividend rate paid on a Share Savings Account. Rate is not based on creditworthiness. Not eligible for autopay discount.

Secured Loan Rates
Effective Jul 17, 2024
Description Term APR* as low as
Share-Secured Loan 6-96 mo 3.00% above index
*APR = Annual Percentage Rate. The APR for the Share-Secured Loan IS NOT subject to credit worthiness.
The APR for a Share Secured Loan is based on an index of 3.00% above the Share Dividend Rate with a floor of 4.00% (The Rate will never go below 4.00%). Rate is not based on creditworthiness. Not eligible for autopay discount.

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Becoming a member of our Credit Union is easy! It only takes a few minutes to apply and make the $5.00 minimum deposit to open your Share Savings account. Benefit from lower lending rates, higher dividend rates, fewer or lower fees, and more!

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