Santo Christo Federal Credit Union
 
 

Rates










New Auto maximum amount $50,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
New Auto
2016 - 2011
New Auto
2016 - 2011
New Auto
2016- 2011
New Auto
2016 - 2011
New Auto
2016 - 2011
New Auto
2016 - 2011
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 2.50% 12 months 3.50% 12 months 5.50% 12 months 8.50% 12 months 12.50% 12 months 15.50%
24 months 2.50% 24 months 3.50% 24 months 5.50% 24 months 8.50% 24 months 12.50% 24 months 15.50%
36 months 2.75% 36 months 3.75% 36 months 5.75% 36 months 8.75% 36 months 12.75% 36 months 15.75%
48 months 3.25% 48 months 3.95% 48 months 5.85% 48 months 8.95% 48 months 12.95% 48 months 15.95%
60 months 3.95% 60 months 4.25% 60 months 5.95% 60 months 9.25% 60 months 13.95% 60 months 16.95%
72 months 4.25% 72 months 5.50% 72 months 6.95% 72 months 9.95% 72 months 14.95% 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
Used Auto maximum amount $50,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Used Auto
2010 - 2006
Used Auto
2010 - 2006
Used Auto
20010- 2006
Used Auto
2010- 2006
Used Auto
2010- 2006
Used Auto
2010 - 2006
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 2.50% 12 months 3.50% 12 months 5.50% 12 months 8.50% 12 months 12.50% 12 months 15.50%
24 months 2.50% 24 months 3.50% 24 months 5.50% 24 months 8.50% 24 months 12.50% 24 months 15.50%
36 months 2.75% 36 months 3.75% 36 months 5.75% 36 months 8.75% 36 months 12.75% 36 months 15.75%
48 months 3.25% 48 months 3.95% 48 months 5.85% 48 months 8.95% 48 months 12.95% 48 months 15.95%
60 months 3.95% 60 months 4.25% 60 months 5.95% 60 months 9.25% 60 months 13.95% 60 months 16.95%
72 months 4.25% 72 months 5.50% 72 months 6.95% 72 months 9.95% 72 months 14.95% 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
New Motorcycle maximum amount $50,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
New Motorcycle
2016 - 2013
New Motorcycle
2016 - 2013
New Motorcycle
2016 - 2013
New Motorcycle
2016 - 2013
New Motorcycle
2016- 2013
New Motorcycle
2016 - 2013
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 2.50% 12 months 3.50% 12 months 5.50% 12 months 8.50% 12 months 12.50% 12 months 15.50%
24 months 2.50% 24 months 3.50% 24 months 5.50% 24 months 8.50% 24 months 12.50% 24 months 15.50%
36 months 2.75% 36 months 3.75% 36 months 5.75% 36 months 8.75% 36 months 12.75% 36 months 15.75%
48 months 3.25% 48 months 3.95% 48 months 5.85% 48 months 8.95% 48 months 12.95% 48 months 15.95%
60 months 3.95% 60 months 4.25% 60 months 5.95% 60 months 9.25% 60 months 13.95% 60 months 16.95%
72 months 4.25% 72 months 5.50% 72 months 6.95% 72 months 9.95% 72 months 14.95% 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
Used Motorcycle
maximum amount $50,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Used Motorcycle
2012 - 2007
Used Motorcycle
2012 - 2007
Used Motorcycle
2012 - 2007
Used Motorcycle
2012 - 2007
Used Motorcycle
2012 - 2007
Used Motorcycle
2012 - 2007
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 2.50% 12 months 3.50% 12 months 5.50% 12 months 8.50% 12 months 12.50% 12 months 15.50%
24 months 2.50% 24 months 3.50% 24 months 5.50% 24 months 8.50% 24 months 12.50% 24 months 15.50%
36 months 2.75% 36 months 3.75% 36 months 5.75% 36 months 8.75% 36 months 12.75% 36 months 15.75%
48 months 3.25% 48 months 3.95% 48 months 5.85% 48 months 8.95% 48 months 12.95% 48 months 15.95%
60 months 3.95% 60 months 4.25% 60 months 5.95% 60 months 9.25% 60 months 13.95% 60 months 16.95%
72 months 4.25% 72 months 5.50% 72 months 6.95% 72 months 9.95% 72 months 14.95% 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
New Motor Home
maximum amount $50,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
New Motor Home Loan
2016 - 2013
New Motor Home Loan
2016 - 2013
New Motor Home Loan
2016 - 2013
New Motor Home Loan
2016 - 2013
New Motor Home Loan
2016- 2013
New Motor Home Loan
2016- 2013
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 2.50% 12 months 3.50% 12 months 5.50% 12 months 8.50% 12 months 12.50% 12 months 15.50%
24 months 2.50% 24 months 3.50% 24 months 5.50% 24 months 8.50% 24 months 12.50% 24 months 15.50%
36 months 2.75% 36 months 3.75% 36 months 5.75% 36 months 8.75% 36 months 12.75% 36 months 15.75%
48 months 3.25% 48 months 3.95% 48 months 5.85% 48 months 8.95% 48 months 12.95% 48 months 15.95%
60 months 3.95% 60 months 4.25% 60 months 5.95% 60 months 9.25% 60 months 13.95% 60 months 16.95%
72 months 4.25% 72 months 5.50% 72 months 6.95% 72 months 9.95% 72 months 14.95% 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
Used Motor Home
maximum amount $50,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Used Motor Home Loan
2012 - 2007
Used Motor Home Loan
2012 - 2007
Used Motor Home Loan
2012 - 2007
Used Motor Home Loan
2012- 2007
Used Motor Home Loan
2012 - 2007
Used Motor Home Loan
2012 - 2007
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 2.50% 12 months 3.50% 12 months 5.50% 12 months 8.50% 12 months 12.50% 12 months 15.50%
24 months 2.50% 24 months 3.50% 24 months 5.50% 24 months 8.50% 24 months 12.50% 24 months 15.50%
36 months 2.75% 36 months 3.75% 36 months 5.75% 36 months 8.75% 36 months 12.75% 36 months 15.75%
48 months 3.25% 48 months 3.95% 48 months 5.85% 48 months 8.95% 48 months 12.95% 48 months 15.95%
60 months 3.95% 60 months 4.25% 60 months 5.95% 60 months 9.25% 60 months 13.95% 60 months 16.95%
72 months 4.25% 72 months 5.50% 72 months 6.95% 72 months 9.95% 72 months 14.95% 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
Personal
unsecured $7,500.00 per signature $15,000.00 maximum
Personal Loan
1 - 5 years
Personal Loan
1 - 5 years
Personal Loan
1 - 5 years
Personal Loan
1 - 5 years
Personal Loan
1 - 5 years
Personal Loan
1 - 5 years
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 8.95% 12 months 9.95% 12 months 11.95% 12 months 13.95% 12 months 15.95% 12 months 17.95%
24 months 8.95% 24 months 9.95% 24 months 11.95% 24 months 13.95% 24 months 15.95% 24 months 17.95%
36 months 8.95% 36 months 9.95% 36 months 11.95% 36 months 13.95% 36 months 15.95% 36 months 17.95%
48 months 8.95% 48 months 9.95% 48 months 11.95% 48 months 13.95% 48 months 15.95% 48 months 17.95%
60 months 8.95% 60 months 9.95% 60 months 11.95% 60 months 13.95% 60 months 15.95% 60 months 17.95%
72 months N/A 72 months N/A 72 months N/A 72 months N/A 72 months N/A 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
Consolidation
$7,500.00 per signature $15,000.00 maximum
Consolidation Loan
1 - 5 years
Consolidation Loan
1 - 5 years
Consolidation Loan
1 - 5 years
Consolidation Loan
1 - 5 years
Consolidation Loan
1 - 5 years
Consolidation Loan
1 - 5 years
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 8.95% 12 months 9.95% 12 months 11.95% 12 months 13.95% 12 months 15.95% 12 months 17.95%
24 months 8.95% 24 months 9.95% 24 months 11.95% 24 months 13.95% 24 months 15.95% 24 months 17.95%
36 months 8.95% 36 months 9.95% 36 months 11.95% 36 months 13.95% 36 months 15.95% 36 months 17.95%
48 months 8.95% 48 months 9.95% 48 months 11.95% 48 months 13.95% 48 months 15.95% 48 months 17.95%
60 months 8.95% 60 months 9.95% 60 months 11.95% 60 months 13.95% 60 months 15.95% 60 months 17.95%
72 months N/A 72 months N/A 72 months N/A 72 months N/A 72 months N/A 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
Partially Secured
secured partially by an auto
Partially Secured
2016- 2009
Partially Secured
2016 - 2009
Partially Secured
2016 - 2009
Partially Secured
2016 - 2009
Partially Secured
2016 - 2009
Partially Secured
2016 - 2009
Credit Score
730 - 850
Annual
Percentage
Rate
Credit Score
680 - 729
Annual
Percentage
Rate
Credit Score
640 - 679
Annual
Percentage
Rate
Credit Score
600 - 639
Annual
Percentage
Rate
Credit Score
550 - 599
Annual
Percentage
Rate
Credit Score
549 or less
Annual
Percentage
Rate
12 months 8.95% 12 months 9.95% 12 months

11.95%

12 months 13.95% 12 months 15.95% 12 months 17.95%
24 months 8.95% 24 months 9.95% 24 months 11.95% 24 months 13.95% 24 months 15.95% 24 months 17.95%
36 months 8.95% 36 months 9.95% 36 months 11.95% 36 months 13.95% 36 months 15.95% 36 months 17.95%
48 months 8.95% 48 months 9.95% 48 months 11.95% 48 months 13.95% 48 months 15.95% 48 months 17.95%
60 months 8.95% 60 months 9.95% 60 months 11.95% 60 months 13.95% 60 months 15.95% 60 months 17.95%
72 months N/A 72 months N/A 72 months N/A 72 months N/A 72 months N/A 72 months N/A
 
Loan rates effective January 1, 2016 and are subject to change.
 
Adjustable Rate Mortage

Adjustable Rate Mortgage
Term Annual
Percentage
Rate
Down
Payment
 
3/1 Adjustable Rate 30 years 5.50% 20% Equity  
5/1 Adjustable Rate 30 years 5.75% 20% Equity  
         
 
Loan rates effective January 1, 2016 and are subject to change.
 
First Mortgage

First Mortgage
Term Annual
Percentage
Rate
Down
Payment
 
Fixed Rate 30 years 6.50% 20% Equity  
Fixed Rate 20 years 6.25% 20% Equity  
Fixed Rate 15 years 5.75% 20% Equity  
Fixed Rate 10 years 4.00% 20%  Equity  
 
Loan rates effective January 1, 2016 and are subject to change.
 
Second Mortgage

Second Mortgage Term Annual
Percentage
Rate
Down
Payment
 
Fixed Rate 10 years 6.00 20% Equity  
         
         
 

Loan rates effective January 1, 2016 and are subject to change.

 
Home Equity — Fixed

Home Equity Term Annual
Percentage
Rate
Down
Payment
 
Fixed Rate 15 years 6.5% 20% Equity  
Fixed Rate 10 years 6.25% 20% Equity  
Fixed Rate 5 years 5.75% 20% Equity  
         
 
Loan rates effective January 1, 2016 and are subject to change.
 
Share Secured

Share Secured
by Savings (Passbook)
Term Annual
Percentage
Rate
 
Fixed Rate   1 - 5 years 4% above current rate on dividends earned on shares or certificate  
       
       
 
Loan rates effective January 1, 2016 and are subject to change.
 

DIVIDEND RATES

RATES 

 

 

 

 Savings Account  0 .15    
 Insured Saving s Account 0 .15    
 Christmas Club 0.10    
 Checking  0.10    
Certificate of Deposit  

Contact Credit Union 
For Rates

   


 

Loan Application  |  Calculators   |   Consumer Loan Rates    |   Savings Rates   |   Share Certificate Rates
 

Privacy Policy
Notices, Terms, and Conditions
 
Design & Hosting by Harland Financial Solutions, Inc.
Browser Requirements
Copyright Harland Financial Solutions, Inc. All Rights Reserved.
National Credit Union Administration

Equal Housing