Santo Christo Federal Credit Union
 
 

Rates










New Auto maximum amount $40,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
New Auto
2019 - 2017
New Auto
2019- 2017
New Auto
2019 2017
New Auto
2019 - 2017
New Auto
2019 - 2017
New Auto
2019 - 2017
Credit Score
730  +
Annual
Percentage
Rate
Credit Score
729 - 700
Annual
Percentage
Rate
Credit Score
699 - 670
Annual
Percentage
Rate
Credit Score
669 - 640
Annual
Percentage
Rate
Credit Score
639 - 620
Annual
Percentage
Rate
Credit Score
619 - 600
Annual
Percentage
Rate
     24 - 63  2.99%    24 - 63  3.24%     24 - 63 3.49%     24 - 63 4.54%     24 - 63 6.34%     24 - 63 8.34%
     64 - 75 3.49%    64 - 75 3.59%     64 - 75 3.69%     64 - 75 5.49%     64 - 75 7.29%     64 - 75 9.29%
     76 - 84 4.39%    76 - 84 4.49%     76 - 84 4.59%     76 - 84 NA     76 - 84 NA     76 - 84 NA
                       
                       
 Max  Advance 125%     125%   115%     100%    100%   85% 
 
Loan rates effective February 1, 2019 and are subject to change.
 
Used Auto maximum amount $40,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Used Auto
2016 - 2012
Used Auto
2016 - 2012
Used Auto
2016- 2012
Used Auto
2016- 2012
Used Auto
2016- 2012
Used Auto
2016 - 2012
Credit Score
730 +
Annual
Percentage
Rate
Credit Score
729 - 700
 Annual
Percentage
Rate
Credit Score
699 - 670
Annual
Percentage
Rate
Credit Score
669 640
Annual
Percentage
Rate
Credit Score
639- 620
Annual
Percentage
Rate
Credit Score
619 - 600
Annual
Percentage
Rate
    24 - 63 3.24%     24 - 63 3.59%     24 - 63 3.79%     24 - 63 5.04%     24 - 63 8.54%     24 - 63 10.54%
    64 - 75 3.99%     64 - 75 4.19%     64 - 75 4.29%     64 - 75 5.29%     64 - 75 8.79%     64 - 75 10.79%
    76- 84 4.59%     76 - 84 4.69%     76- 84 4.79%     76 - 84 NA     76 - 84 NA     76 - 84 NA
                       
2011-2010 30K max   2011- 2010 30k max   2011- 2010 30k max   2011- 2010 30k max   2011-2010  30k max  2011-2010 30k max 
 24 - 63  5.24%     24 -63 5.54%   24 - 63 5.74%   24 - 63 5.99%       24 -63 8.99%       24 -63 10.99% 
 Max   Advance 125%   125%   115%   100%   100%   85%
 
Loan rates effective February 1, 2019 and are subject to change.
 
New Motorcycle maximum amount $40,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
New Motorcycle
2019 - 2017
New Motorcycle
2019 - 2017
New Motorcycle
2019 - 2017
New Motorcycle
2019 - 2017
New Motorcycle
2019- 2017
New Motorcycle
2019 - 2017
Credit Score
730 +
Annual
Percentage
Rate
Credit Score
729 -700
Annual
Percentage
Rate
Credit Score
699 - 670
Annual
Percentage
Rate
Credit Score
669 - 640
Annual
Percentage
Rate
Credit Score
639 - 620
Annual
Percentage
Rate
Credit Score
619 -600
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 February 1, 2019 and are subject to change.
 
Used Motorcycle
maximum amount $40,000.00 Deduct .25% from interest rate if payment is automatically deducted from their checking account.
Used Motorcycle
2016 - 2012
Used Motorcycle
2016 - 2012
Used Motorcycle
2016 - 2012
Used Motorcycle
2016- 2012
Used Motorcycle
2016 - 2012
Used Motorcycle
2016 - 2012
Credit Score
730 +
Annual
Percentage
Rate
Credit Score
729 - 700
Annual
Percentage
Rate
Credit Score
699 - 670
Annual
Percentage
Rate
Credit Score
669 - 640
Annual
Percentage
Rate
Credit Score
639 - 620
Annual
Percentage
Rate
Credit Score
619 - 600
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 February 1, 2019 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
2019 - 2017
New Motor Home Loan
2019 - 2017
New Motor Home Loan
2019 - 2017
New Motor Home Loan
2019 - 2017
New Motor Home Loan
2019 2017
New Motor Home Loan
2019 - 2017
Credit Score
730 +
Annual
Percentage
Rate
Credit Score
729 - 700
Annual
Percentage
Rate
Credit Score
699 - 670
Annual
Percentage
Rate
Credit Score
669 - 640
Annual
Percentage
Rate
Credit Score
639 - 620
Annual
Percentage
Rate
Credit Score
619 - 600
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 February 1, 2019 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
2016 - 2012
Used Motor Home Loan
2016 - 2012
Used Motor Home Loan
2016 - 2012
Used Motor Home Loan
2016- 2012
Used Motor Home Loan
2016 - 2012
Used Motor Home Loan
2016 - 2012
Credit Score
730 +
Annual
Percentage
Rate
Credit Score
 729 - 700
Annual
Percentage
Rate
Credit Score
699 - 670
Annual
Percentage
Rate
Credit Score
669 - 640
Annual
Percentage
Rate
Credit Score
639 - 620
Annual
Percentage
Rate
Credit Score
619 - 600
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 February 1, 2019 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 February1, 2019 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 February 1, 2019 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 February 1, 2019 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 February 1, 2019 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 February , 2019 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 February 1, 2019 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 February 1, 2018 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  

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