Loan Rates

  • Autos

    Rates as of December 2, 2024

    Model Years 2021 and Newer UP TO 120%

    APR* As Low As Months / Term
    4.49% up to 24 Months
    4.59% up to 36 Months
    4.69% up to 48 Months
    4.79% up to 60 Months
    4.89% up to 72 Months
    4.99% up to 84 Months

    Model Years 2016-2020 UP TO 110%

    APR* As Low As Months / Term
    4.49% up to 24 Months
    4.59% up to 36 Months
    4.69% up to 48 Months
    4.79% up to 60 Months
    4.89% up to 72 Months

    Model year 2015 or older add 2.00%* to posted rate

    $12,000 minimum loan amount for 72-month term. $18,000 minimum loan amount for 73-78-month term. $30,000 minimum loan amount of 79-84-month term. First payment may be deferred up to 90 days for qualified members. Interest will accrue during deferment period.

    *APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and conditions of vehicle. Other rates and terms may be available for model years not reflected. Monthly payment per $1,000 for 60 months at 4.79% APR = $18.78. All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Minimum monthly payment $100. Interest rate includes discount for automatic loan payment from your SDFFCU account.

  • RVs

    Rates as of July 1, 2024

    Model years 2021 or Newer up to 100%

    APR* As Low As Months / Term
    6.94% up to 60 Months
    7.14% up to 72 Months
    7.14% up to 84 Months
    7.64% up to 120 Months
    8.44% up to 144 Months

    Model years 2018 to 2020 – up to 90% LTV

    APR* As Low As Months / Term
    6.94% up to 60 Months
    7.14% up to 72 Months
    7.14% up to 84 Months
    7.64% up to 120 Months
    8.44% up to 144 Months

    Model years 2015 to 2017 add 2.00%* to posted rate

    $$12,000 minimum loan amount for 72-month terms. $25,000 minimum loan amount for 73-84-month term; $50,000 minimum, up to 144-month term. Up to 100% financing based on Retail Kelley Blue Book or Retail NADA for Used RVs. MSRP for new RVs. Minimum Monthly payment is $150.00

    *APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and conditions of collateral. Other rates available for model years not reflected. Monthly payment per $1,000 borrowed for 84 months at 7.14% APR = $15.16 All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Interest rate includes discount for automatic loan payment from your SDFFCU account.

  • Boats

    Rates as of July 1, 2024

    Model year 2022 or Newer up to 100% LTV

    APR* As Low As Months / Term
    6.94% up to 60 Months
    7.24% up to 72 Months
    7.24% up to 84 Months
    7.74% up to 120 Months
    8.44% up to 144 Months

    2019 to 2021 up to 90% LTV

    APR* As Low As Months / Term
    6.94% up to 60 Months
    7.24% up to 72 Months
    7.24% up to 84 Months
    7.74% up to 120 Months
    8.44% up to 144 Months

    Model year 2018 or older up to 90% LTV add 2.00%* to posted rate

    $12,000 minimum loan amount for 72-month term. $30,000 minimum loan amount for 73 - 84-month term.
    $75,000 minimum for 85 - 144 month term. Up to 90% financing Used Boats.
    MSRP for new boats are subject to approval. Boats will require a Marine Survey.
    Minimum monthly payment is $150.00.

    *APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and conditions of collateral. Other rates and terms may be available for model years not reflected. Monthly payment per $1,000 borrowed for 84-months at 7.24% APR = $15.21 All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Interest rate includes discount for automatic loan payment from your SDFFCU account.

  • Motorcycles

    Rates as of July 1, 2024

    Model year 2021 or Newer up to 100% LTV

    APR* As Low As Months / Term
    5.94% up to 24 Months
    6.54% up to 48 Months
    6.74% up to 60 Months
    7.24% up to 72 Months
    7.64% up to 84 Months

    Model years 2016 to 2020 up to 80% LTV

    APR* As Low As Months / Term
    5.94% up to 24 Months
    6.54% up to 48 Months
    6.74% up to 60 Months
    7.24% up to 72 Months
    7.64% up to 84 Months

    Model year 2015 or older up to 80% LTV add 2.00%* to posted rate

    $15,000 minimum loan amount for up to 61 - 72-month term. $30,000 minimum loan amount for up to 73- 84-month term. Up to 80% financing based on Retail Nada for used, MSRP for new. Minimum monthly payment of $100.00.

    *APR= Annual percentage rate may vary based on credit and collateral qualifications. Loan amounts and terms based on age, mileage, and conditions of collateral. Other rates and terms may be available for model years not reflected. Monthly payment per $1,000 borrowed for 60 months at 6.74% APR = $19.68. All loans are subject to approval. All loans are subject to approval. Program, rates, terms, conditions, and services are subject to change without notice. Interest rate includes discount for automatic loan payment from your SDFFCU account.

  • Home Loans & Home Equity Loans

    Rates as of OCTOBER 13, 2023
    Loan Type Term
    First Mortgage Home Loans Flexible terms available For 1st Mortgage rates please call

    TruHome Solution 1-866-217-6825
    Second Mortgage Home Loans Flexible terms available For 2nd Mortgage rates please call

    TruHome Solution 1-866-217-6825
    Loan Type Term APR* As Low As Max Loan Amount Max CLTV
    Home Equity Line of Credit 25 years 6.99% APR* up to $250,000* Up to 80% Combined Loan to Value
    *APR=Annual Percentage Rate. This is the initial interest rate. Adjustments are based on the Prime Rate plus a 0.750% margin. The loan is subject to an annual adjustment each July 1st, with a maximum annual adjustment cap of 2% per year and a lifetime cap of 6% over the start rate. Monthly payment per $1,000 borrowed for up to 300 months at 6.99% APR = $7.06. All rates and terms are subject to change without notice.

  • Signature

    Rates as of September 5, 2024
    Loan Type Term APR* As Low As
    Signature Open 8.49%
    *APR =Annual Percentage Rate and may vary based on credit qualifications.

  • Line of Credit

    Rates as of MAY 15, 2023
    Loan Type Term APR* As Low As
    Line of Credit Open 13.90%
    *APR =Annual Percentage Rate and may vary based on credit qualifications.

  • Share Secured

    Rates as of MAY 15, 2023
    Loan Type Term APR* As Low As
    Share Secured 144 Months Share Rate +3.00%
    *APR =Annual Percentage Rate and may vary based on credit qualifications.

  • Certificate Secured

    Rates as of MAY 15, 2023
    Loan Type Term APR* As Low As
    Certificate Maturity Date CD Rate +3.00%
    *APR =Annual Percentage Rate and may vary based on credit qualifications.

  • Visa Account

    Card Type Term/Amount APR* As Low As
    Visa Classic Up to 10k 12.90%
    Visa Gold Up to 20k 11.90%
    Visa Platinum Up to 30k 9.90%
    Visa Disclosure Click Here

  • Solar & Energy Saving Loan

    Terms Maximum Loan Amount APR*
    Up to 60 Month $125,000 As Low as 5.99%
    Up to 120 Month $125,000 As Low as 6.99%
    Up to 240 months $125,000 As low as 7.99%


    *APR = Annual Percentage Rate. Rates are based on creditworthiness, payment method, and loan term. Monthly payment per $1,000 borrowed for 120 months at 6.99% APR = $11.61. Rates are effective January 05, 2023 and are subject to change without notice. All loans are subject to credit approval. Other rates and terms are available. Restrictions and conditions may apply. Property must be single family home owned by applicant in the state of California