Rates & Loan Calculator
Current Auto Loan Rates
New Automobile – Model years 2024 or newer
| Term | Rate |
|---|---|
|
60 Months |
as low as 5.24% |
|
72 Months |
as low as 6.24% |
|
84 Months |
as low as 7.24% |
Used Automobile – Model years 2020 or newer
| Term | Rate |
|---|---|
|
60 Months |
as low as 5.24% |
|
72 Months |
as low as 6.24% |
|
84 Months |
as low as 7.24% |
Used Automobile – Model years 2019
| Term | Rate |
|---|---|
|
60 Months |
as low as 5.24% |
Used Automobile – Model years 2014 – 2018
| Term | Rate |
|---|---|
|
48 Months |
as low as 7.99% |
Rates are subject to change without notice. All loans are subject to credit approval. Other terms and conditions may apply.
Personal Loan Rates
| Term | Rate |
|---|---|
|
12-36 Months |
as low as 8.24% |
|
48-60 Months |
as low as 9.24% |
* APR = Annual Percentage Rate. All rates quoted and listed are APR. Loan rates reflect the lowest rate available on approved credit as determined by the creditworthiness of each applicant. All Credit Union loan programs, rates, terms and conditions are subject to change without notice. All loans subject to approval, rates may vary from those listed based on term and credit qualifications. Other rates, terms, fees or conditions may apply. Financing for qualified Sweet Home Federal Credit Union members. To apply for a loan, you may download an application from this website, stop by our office or for your convenience, we will take your application over the phone. In most cases, your loan will be approved in 24 hours although in some instances, it will be referred to the Credit Committee.
Current Rates for Your Recreational Vehicle
| Type of Vehicle | Term | Rate |
|---|---|---|
|
Snowmobile, ATV, Jetski & Outdoor Vehicles |
60 Months |
as low as 5.99% |
|
New Recreational Vehicles |
120 Months |
as low as 6.99% |
|
Used Recreational Vehicles |
180 Months |
as low as 7.99% |
|
New Boats |
120 Months |
as low as 5.99% |
|
Used Boats |
120 Months |
as low as 6.99% |
|
Antique Vehicles |
up to 60 Months |
Call for Rates |
Rates are subject to change without notice. All loans are subject to credit approval. Other terms and conditions may apply.
Home Equity Loan Rates
Curious about current rates? Check out our competitive offerings below. Rates vary based on your creditworthiness, loan-to-value (LTV), and chosen term. We’re happy to provide a personalized quote.
| Loan Type | Max Term | Rate | Loan-To-Value |
|---|---|---|---|
|
Home Equity Line of Credit (HELOC) (Variable Rate, revolving access) |
Up to 20 Years |
as low as 6.50% |
up to 80% |
Ability to lock up to five (5) Low Fixed Rate balances1
1. This plan has a fixed rate option which the borrower may exercise each time a minimum advance of $1,000 is requested. There is a low processing fee of $25 when the fixed rate option is exercised. The fixed rate option has repayment terms of 60 months, 120 months, or 180 months providing the payoff period does not exceed the number of months remaining to the maturity date of your plan.
Rates are subject to change and are based on various factors including credit score, loan-to-value, and property type. All loans are subject to credit approval, property appraisal, and other conditions. Please contact Sweet Home FCU for full details.
Title insurance may be required and is paid by the borrower. The remaining closing costs paid by SHFCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity line is paid in full within three (3) years of loan closing. Closing costs generally total between $250 and $1,250.
LTV calculated by multiplying the appraised value by 80%, less the remaining balance on your first mortgage.
The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. Interest and payments adjust annually on the 1st day of March, with a 2% annual cap and a 17.90% lifetime cap. The Annual Percentage Rate will never go below 4.0% unless the credit union is running a lower promotional rate. All rates quoted and listed are subject to approval. Rates may vary from those quoted and listed based on your credit history.
Please consult a tax advisor regarding deductibility of interest.
Current Credit Card Rate
Sweet Home FCU offers one simple credit card with no annual fee.
|
Annual Fee |
$0 |
|
Intro APR |
5.95%APR for the first six billing cycles |
|
Standard APR |
Starting at 8.99%APR (Based on creditworthiness) |
|
Cash Advance Fee |
$25 |
|
Late Payment Fee |
$25 |
All rates and terms are subject to change. Rates are based on your creditworthiness. See full Credit Card Disclosure for complete details.
Share Pledged Loan Rates
| Term | Rate |
|---|---|
|
Up to 24 Months |
3.45% APR |
|
Over 24 Months |
3.95% APR |
Rates are subject to change without notice. All loans are subject to credit approval and funds availability in your pledged account. Contact Sweet Home FCU for more details.
Savings Account Details
Minimum Balance
$5.00
Dividends
NCUA Insurance
Access
Easy access via Online Banking, Mobile App, and in-person transactions.
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility. The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.
Period
Payment
Interest
Balance
Calculator Disclaimer
Ready to Get Started?
Our team is here to help you with all your borrowing needs. Apply for a variety of loans directly on the Sweet Home FCU website.
Have Questions?
Call us at (716) 691-9187 to speak directly with a friendly Sweet Home FCU loan representative today.
Discover the Benefits of an SHFCU Membership
Joining Sweet Home FCU is the easiest decision you’ll make all year. We can even help make the transition from your old bank simple and fast.