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 Sep 28, 2022
Description Term APR* as low as
New Auto and Truck Purchase/Refinance up to 36 mo 4.24%
New Auto and Truck Purchase/Refinance 37-60 mo 4.74%
New Auto and Truck Purchase/Refinance 61-72 mo 5.99%
New Auto and Truck Purchase/Refinance 73-84 mo 6.99%
*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 Sep 28, 2022
Description Term APR* as low as
Used Auto and Truck Purchase/Refinance up to 36 mo 4.49%
Used Auto and Truck Purchase/Refinance 37-60 mo 4.99%
Used Auto and Truck Purchase/Refinance 61-72 mo 5.99%
Used Auto and Truck Purchase/Refinance 73-84 mo 7.24%
*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 Sep 28, 2022
Description Term APR* as low as
New/Used RVs & Campers up to 72 mo 4.99%
New/Used RVs & Campers 73 - 120 mo 4.99%
New/Used RVs & Campers ($75,000 min) 121 - 180 mo 4.99%
New Motorcycles Up to 60 mo 4.74%
New Motorcycles 61 - 72 mo 4.99%
Used Motorcycles Up to 60 mo 4.99%
Used Motorcycles 61 - 72 mo 5.24%
*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 Sep 28, 2022
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. 11.50% - 18.00%
Signature Rewards Visa 0% on Purchases and Balance Transfers 12 Months 12.75% - 17.99%
Student Visa 9.75%
Share-Secured Visa 9.75%
*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 July 1, 2022, and remains in effect until the next change date.

For current mortgage rates, please contact the Mortgage Department 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 Sep 28, 2022
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 Sep 28, 2022
LTV Term APR* as low as Introductory Offer
Up to 80% Up to 15 yr 5.50% Fixed 12-month 3.99% APR*
81% to 90% Up to 15 yr 6.50% Fixed 12-month 3.99% APR*
91% to 100% Up to 15 yr 8.50% Fixed 12-month 3.99% APR*
LTV=Loan-to-Value ratio *APR = Annual Percentage Rate. Subject to creditworthiness. Introductory rate will be fixed for 12 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, 2022 is 5.50%. The rate floor for all home equity lines of credit is 5.50% APR. Minimum loan amount is $10,000.

Personal Loan Rates
Effective Sep 28, 2022
Description Term APR* as low as
Personal Loan 12 to 36 mo 9.99%**
Personal Loan 37 to 60 mo 10.49%**
Personal Line of Credit Revolving 12.50%***
Quick Cash - $500 or $1,000 6 mo 28.00%
Credit Builder Loan 6 - 36 mo 3.10% 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 5.50%.
**** The APR for a Credit Builder Loan is 3.00% above the dividend rate paid on a Share Savings Account

Secured Loan Rates
Effective Sep 28, 2022
Description Term APR* as low as
Share-Secured Loan 6-96 mo 3.10% 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
 

Join Securityplus Today

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!

+MemberResources

Find a Branch or ATM