Loan Rates

  • Autos

    Rates as of August 14, 2023

    Model Years 2019 and Newer UP TO 120%

    APR* As Low As Term
    5.25% 24 Months
    5.35% 36 Months
    5.49% 48 Months
    5.99% 60 Months
    6.24% 72 Months
    6.99% 84 Months

    Model Years 2015-2018 UP TO 110%

    APR* As Low As Term
    6.19% 24 Months
    6.19% 36 Months
    6.49% 48 Months
    6.69% 60 Months
    6.79% 72 Months
    $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 borrowed for 60 months at 5.99% APR = $19.33; 6.69% APR = $19.66. 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 21, 2023

    2020 or Newer

    Term APR* As Low As
    60 Months 6.29%
    72 Months 6.99%
    84 Months 7.29%
    120 Months 7.99%
    144 Months 7.99%

    2017 to 2019 - up to 90% LTV

    Term APR* As Low As
    60 Months 6.99%
    72 Months 7.69%
    84 Months 7.99%
    120 Months 8.19%
    144 Months 8.19%

    2014 - 2016 add 2%

    $12,000 minimum loan amount for 75 month terms. $25,000 minimum loan amount for 84 month term; $50,000 minimum, up to 144 month term. Up to 90% financing based on Retail Kelley Blue Book or Retail NADA for Used RVs. MSRP for new RVs. Minimum Montlhy 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 60 months at 6.29% APR = $19.47. Calculation based on $20,000 for 60 months. 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 21, 2023

    2021 or Newer up to 100% LTV

    Term APR* As Low As
    60 Months 6.49%
    72 Months 6.89%
    75 Months 6.89%
    84 Months 6.99%
    120 Months 7.19%
    144 Months 7.99%

    2018-2020 up to 90% LTV

    Term APR* As Low As
    60 Months 6.59%
    72 Months 7.19%
    84 Months 7.79%
    120 Months 7.99%
    144 Months 8.29%
    $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 60 months at 6.59% APR = $19.61. Calculation based on $20,000 for 60 months. 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 MAY 15, 2023

    2020 and Newer up to 100% LTV

    Term APR* As Low As
    24 Months 5.95%
    42 Months 6.55%
    48 Months 6.55%
    60 Months 6.75%
    66 Months 7.25%
    72 Months 7.25%
    75 Months 7.55%
    78 Months 7.65%
    84 Months 7.65%

    2015-2019 - up to 80% LTV

    Term APR* As Low As
    24 Months 6.95%
    42 Months 6.95%
    48 Months 7.25%
    60 Months 7.25%
    66 Months 7.55%
    72 Months 7.55%
    75 Months 7.65%
    78 Months 7.65%
    84 Months 7.85%

    2014 AND OLDER ADD 2%

    $15,000 minimum loan amount for up to 61 - 72 month term. $30,000 minimum loan amount for up to 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 6.75% 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 MAY 15, 2023
    Loan Type Term
    First Mortgage Home Loans Up to 30 years For 1st Mortgage rates please call

    TruHome Solution 1-866-217-6825
    Second Mortgage Home Loans Term 10, 15 and 20 years 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 6.25% 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. MINIMUM PAYMENT EXAMPLE:  If you make only the minimum monthly payment of $125 and took no other credit advances it would take 8 years 8 months to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 6.25%.  During that period, you would make 104 payments of $125.00.  All rates and terms are subject to change without notice.

  • Signature

    Rates as of January 05, 2023
    Loan Type Term APR* As Low As
    Signature Open 9.90%
    *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