Loan Rates
Loan rates are effective March 28, 2011 and are subject to change any time. This chart lists only a cross-section of available terms & rates. Rates on individual loans may vary.
Calculators
Certificate of Deposit Rates
Savings, Money Market, Checking Rates
All rates listed are Annual Percentage Rates. These are a listing of our best available Loan Rates. The Rate and Term of your actual loan may vary. To learn about your options for applying for loans, click here.
No Loan Rate at the Credit Union can exceed 18% APR.
2011-2005 |
24 mos |
36 mos |
48 mos |
60 mos |
72 mos |
84 mos |
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APR as low as 3.75% |
APR as low as 3.90% |
APR as low as 4.50% |
APR as low as 4.75% |
APR as low as 5.50% |
APR as low as 6.25% |
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| Maximum
term for 2004 & older models = 4 years Maximum term for 2005 to 2008 models = 5 years |
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2011-2004 Boats, Campers & Travel Trailers, Motor Homes |
24 mos |
36 mos |
48 mos |
60 mos |
72 mos |
84 mos |
96 mos |
180 mos |
APR as low as 3.75% |
APR as low as 3.90% |
APR as low as 4.50% |
APR as low as 4.75% |
APR as low as 5.50% |
APR as low as 6.25% |
APR as low as 6.75% |
APR as low as 7.25% |
|
| Maximum
term for 2004 & older models = 4 years Maximum term for 2005 to 2008 models = 5 years |
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Non-Titled
Security: |
36 mos |
48 mos |
60 mos |
84 mos |
APR as low as 6.00% |
APR as low as 6.25% |
APR as low as 6.75% |
APR as low as 7.99% |
New & Used Motorcycles |
36 mos |
48 mos |
60 mos |
72 mos |
APR as low as 5.50% |
APR as low as 5.75% |
APR as low as 6.00% |
APR as low as 6.25% |
| Home Equity Line of Credit (HELOC - also called Equity One with Draft) Indexed to 6-month Treasury Bill. This rate also applies to Variable Rate Consumer Loans. |
15 years | 5.50% APR - Variable Rate can change quarterly. Current rate effective 4-1-10. |
| First Mortgage, 5-Year Term Ask about all our Mortgage options. Note: All first mortgage loans with a higher than 80% Loan-to-Value (LTV) must provide Private Mortgage Insurance (PMI). Equity Loans with a LTV higher than 80% are made only by exception. |
5 years | First Mortgage as low as 5.50%APR Rate based on Beacon & LTV |
| Land Loans (for future residential building - not for speculation purchases. Maximum term is 4 years.) | First Mortgage only | as low as 8.00% APR |
| MasterCard Credit Card through ATIRAcredit. Rate is based on highest Prime Rate three months prior to current month, and on cardholder's credit score. The rate can never be lower than 8.99% APR. |
Best Rate (APR): Prime 5.00% plus 1.99% = 6.99% (The rate can never be lower than 8.99%) High Rate: (APR) Prime 5.00% plus 7.99% =12.99% (The rate can never be lower than 8.99%) |
|
| Savings Secured Loans (Passbook) and Money Market Secured Loans | 4 years | 3.75% APR |
| Certificate Secured Loans (Balloons at CD maturity & loan rewritten to new rate.) |
4 years | APR = CD rate + 2.00% With minimum rate of 3.75% |
| Anytime Access (L60) (Credit Line that you can use any time; it also serves as Checking Overdraft Protection.) |
Revolving | as low as 14.99% APR effective as of 1/1/2007 |
| Signature Loans | Up to 48months | as low as 8.00% APR |
| Member Business Loans Rate tied to current Market. |
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Student Loans - St. Cloud Federal Credit Union now offers a private Student Loan program.  |
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St. Cloud Federal Credit Union continually creates and evaluates its loan programs to ensure they are fairly-priced and meet our members' borrowing needs.
Loan rates are based on your credit rating. The rates quoted are our best rates. Rates may be higher, based on your credit report. The term of your actual loan, as shown in the "Term" column (5 years, 4 years, etc.), may vary, depending on your needs.
Contact our Loan Department at 320.258.2190 (toll-free: 1.888.252.2634) for complete information. Or contact us online.
Additional Information about our Loans:
* A 1/4% rate reduction applies on purchase loans (excluding real estate and savings secured loans) with a 20% down payment.
Rates and Terms on all loans are subject to credit approval. St Cloud Federal Credit Union uses a credit score to determine your interest rate. Note: These rates are subject to change.
* All rates listed are Annual Percentage Rates.
No Loan Rate at the Credit Union can exceed 18% APR.
(320) 252.2634 or 1.888.252.2634
3030 First Street South, St. Cloud MN 56301
1716 Pine Cone Road South, Sartell MN 56377
