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New Auto Loan Rates
Effective Oct 1, 2017
Description Term APR* as low as
New Auto and Truck Purchase/Refinance 36 mo 1.74%
New Auto and Truck Purchase/Refinance 48-60 mo 1.99%
New Auto and Truck Purchase/Refinance 72 mo 1.99%
New Auto and Truck Purchase/Refinance 84 mo 2.99%
*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 Oct 1, 2017
Description Term APR*
Used Auto and Truck Purchase/Refinance 36 mo 2.24%
Used Auto and Truck Purchase/Refinance 48 - 60 mo 2.24%
Used Auto and Truck Purchase/Refinance 72 mo 2.24%
Used Auto and Truck Purchase/Refinance 84 mo 3.24%
*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.

Recreational Vehicle Loan Rates
Effective Oct 1, 2017
Description Term APR* as low as
New/Used Boats, RVs & Campers Up to 60 mo 3.99%
New/Used Boats, RVs & Campers 61 - 120 mo 4.99%
New Motorcycles Up to 60 mo 1.99%
New Motorcycles 61 - 72 mo 1.99%
Used Motorcycles Up to 60 mo 2.24%
Used Motorcycles 61 - 72 mo 2.24%
*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.

Visa Credit Card Rates
Effective Oct 1, 2017
Description Intro APR* Intro Term Standard Variable APR*
Platinum Rewards Visa 4.99% 12 mo† 11.00% - 18%
Platinum Rebate Visa 10.00% - 18%
Student Visa 9.25% - 18%
Share-Secured Visa 9.25% - 18%
Visa Application Disclosure
Visa Agreement & Disclosure
*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 on those dates is based upon the Prime rate in effect June 20, 2017, and remains in effect until the next change date.

†Platinum Rewards Visa Introductory Offer: 4.99% APR on Balance Transfers and Purchases for 12 months, plus 2,500 bonus points after your first purchase of $100 or more.

For current mortgage rates, please visit our Online Mortgage Center or contact the Mortgage Dept. at mortgages@securityplusfcu.org or 410-281-6236.

Rate lock available at application. All loans above 80% LTV require private mortgage insurance.
Home Equity Loan Rates
Effective Oct 1, 2017
Description Term APR* as low as No Closing Costs APR* as low as
Up to 85% LTV – $10,000 Min. 5 yr 4.50% 6.00%
Up to 85% LTV – $10,000 Min. 10 yr 6.00% 7.00%
Up to 85% LTV – $10,000 Min. 15 yr 6.50% 7.25%
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 Oct 1, 2017
Description Term APR* as low as
Home Equity Line of Credit LTV up to 80% Up to 15 yr 4.25%
Home Equity Line of Credit LTV 81% to 90% Up to 15 yr 5.25%
Home Equity Line of Credit LTV 91% to 100% Up to 15 yr 7.25%
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.

Personal Loan Rates
Effective Oct 1, 2017
Decription Term APR* as low as
Personal Loan Up to 60 mo 8.74%**
Personal Line of Credit Revolving 11.25%***
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.
***The floor rate on Personal Lines of Credit is 5%.
****The annual percentage rate for a Credit Builder Loan is 3.00% above the dividend rate paid on the Share Savings account; dividend rate as of the posted effective date is 0.20%. The rate floor is 3.00%. The APR on existing balances will change on the first day of each month to reflect any changes in the rate being paid on dividends. Any increase will result in additional payments of the same amount. The funds will be visible on your account statement, but you will not be able to access the funds until the loan is paid in full.

Secured Loan Rates
Effective Oct 1, 2017
Description Term APR* as low as
Share-Secured Loan 6-96 mo 3.00% above index**
*APR=Annual Percentage Rate. Subject to creditworthiness.
**Rate shown reflects a 0.25% discount for automatic loan repayment.
***The floor rate on Personal Lines of Credit is 5%.
****The annual percentage rate for a Credit Builder Loan is 3.00% above the dividend rate paid on the Share Savings account; dividend rate as of the posted effective date is 0.20%. The rate floor is 3.00%. The APR on existing balances will change on the first day of each month to reflect any changes in the rate being paid on dividends. Any increase will result in additional payments of the same amount. The funds will be visible on your account statement, but you will not be able to access the funds until the loan is paid in full.


Life Happens

— No matter what stage of life you’re in, we can help make the ride a little smoother. —

  • There’s a first time for everything, but that doesn’t mean you have to go unprepared. Here are a few firsts that Securityplus can help you with.

  • So you’re ready to make one of the biggest commitments of your life? We’re experts at financing the big day expenses — and beyond.

  • No matter how much you plan, things can still go wrong. During times of unexpected hardship, Securityplus is still willing to help.

  • Whether a new baby or a new pet, a growing family means growing expenses. We can help you prepare for those changes in your budget.

  • Whether you're looking to vacation or you're relocating, Securityplus wants to make sure finances don't stand in your way.

  • You've spent most of your life preparing to retire. Securityplus can help ensure that you are financially equipped to do so comfortably.

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If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member, you are eligible to join Securityplus Federal Credit Union.
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