Skip to main content

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 Apr 1, 2019
Description Term APR* as low as
New Auto and Truck Purchase/Refinance 36 mo 2.74%
New Auto and Truck Purchase/Refinance 48-60 mo 3.49%
New Auto and Truck Purchase/Refinance 72 mo 3.74%
New Auto and Truck Purchase/Refinance 84 mo 4.74%
*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 Apr 1, 2019
Description Term APR*
Used Auto and Truck Purchase/Refinance 36 mo 3.49%
Used Auto and Truck Purchase/Refinance 48 - 60 mo 3.74%
Used Auto and Truck Purchase/Refinance 72 mo 3.99%
Used Auto and Truck Purchase/Refinance 84 mo 4.99
*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.

Recreational Vehicle Loan Rates
Effective Apr 1, 2019
Description Term APR* as low as
New/Used Boats, RVs & Campers up to 72 mo 4.74%
New/Used Boats, RVs & Campers 73 - 120 mo 4.74%
New/Used Boats, RVs & Campers 121 - 180 mo 4.74%
New Motorcycles Up to 60 mo 3.24%
New Motorcycles 61 - 72 mo 3.49%
Used Motorcycles Up to 60 mo 3.49%
Used Motorcycles 61 - 72 mo 3.74%
*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 Apr 1, 2019
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 first purchase of $100 or more. 12.25% - 18%
Platinum Rebate Visa 11.25% - 18%
Student Visa 10.50% - 18%
Share-Secured Visa 10.50% - 18%
Visa Application Disclosure Opens in New Window
Visa Agreement & DisclosureOpens in New Window
*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 December 19, 2018, and remains in effect until the next change date.

For current mortgage rates, please contact the Mortgage Deptartment 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 Apr 1, 2019
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 Apr 1, 2019
Description Term APR* as low as
Home Equity Line of Credit LTV up to 80% Up to 15 yr 5.50%
Home Equity Line of Credit LTV 81% to 90% Up to 15 yr 6.50%
Home Equity Line of Credit LTV 91% to 100% Up to 15 yr 8.50%
LTV = Loan-to-Value ratio
*APR=Annual Percentage Rate. Subject to creditworthiness. Variable rate tied to Wall Street Journal Prime Rate, which may adjust monthly.The prime rate as of December 19, 2018 is 5.50%. The rate floor for all home equity lines of credit is 3.25% APR. Minimum loan amount is $10,000.

Personal Loan Rates
Effective Apr 1, 2019
Decription Term APR* as low as
Personal Loan 12 to 36 mo 9.74%**
Personal Loan 48 to 60 mo 10.24%**
Personal Line of Credit Revolving 12.50%***
Quick Cash - $500 or $1,000 6 mo 28.00%
*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%.

Secured Loan Rates
Effective Apr 1, 2019
Description Term APR* as low as
Share-Secured Loan 6-96 mo 3.00% above index**
*APR = Annual Percentage Rate. Subject to credit worthiness.
**The APR for a Share Secured advance will be 3.00% above the dividend rate paid on the shares. 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 rate floor for share secured loans is 4.00% APR.

Ready to get started?
Have questions? Contact Us
 

InOurcommunity

We were named 'Corporate Citizen of the Year'!
credit union staff


Securityplus was named 'Corporate Citizen of the Year' by Strong City Baltimore.

Join Securityplus Today

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 our credit union.

+MemberResources

Find a Branch or ATM