4926 La Cuenta Drive, San Diego, CA 92124 800.973.3328sdffcu@sdffcu.orgM-F 8:00am - 3:30pm

Auto Rates*

Rates as of: August 21, 2018
Model Years 2014 + NewerModel Years 2010 + Newer
*APR as low asTerm *APR as low asTerm
2.49%36 Month3.49%36 Months
2.69%37-42 Month3.49%37-42 Month
2.89%43-48 Month3.49%43-48 Month
2.99%49-60 Month3.99%49-60 Month
3.29%61-72 Month4.99%61-72 Month
3.99%73-75 Month
4.39%76-84 Month
$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 and 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 older model years and other loan amounts. 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.

New / Used RV Rates

Rates as of:February 21, 2018
 New2005 or Newer
Term *APR as low as *APR as low as
Up To 60 Months5.88%6.88%
Up To 72 Months6.38%7.38%
Up To 84 Months6.88%7.88%
Up To 144 Months8.25%8.75%
$12,000 minimum loan amount for 72 month terms. $30,000 minimum loan amount for 73-84 month term; $75,000 minimum for 85-144 month term. Up to 90% financing based on Retail Kelley Blue Book or Retail NADA for Used RV's. MSRP for new RV's
Minimum Montlhy payment is $150.00
*APR= Annual percentage rate and 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 older model years and other loan amounts. 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.

New / Used Boat Rates

Rates as of:February 21, 2018
 New2005 or Newer
Term *APR as low as *APR as low as
Up To 60 Months5.88%6.88%
Up To 72 Months6.38%7.38%
Up To 84 Months6.88%7.88%
Up To 144 Months8.25%8.75%
$12,000 minimum loan amount for 72 month terms. $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 and 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 older model years and other loan amounts. 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.

New / Used Motorcycle Rates

Rates as of:February 21, 2018
 2014 and Newer2010-2013
Term *APR as low as *APR as low as
up to 42 Months4.49%6.19%
up to 60 Months5.49%6.49%
up to 72 Months6.49%7.49%
up to 84 Months7.25%8.25%
$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 and 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 older model years and other loan amounts. 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.

Real Estate Rates

Rates as of:March 30, 2018
Loan TypeTerm *APR as low as
First Mortgage Home Loansup to 30 yearsPlease call 619-283-7026 for current rates.
***Home Equity Line of Credit - 80%300 months3.99% ARM**
Second Trust Deed - 80%LTV120 monthsas low as 5.49% APR*
Second Trust Deed - 80%LTV180 monthsas low as 5.99% APR*
Second Trust Deed - 80%LTV240 monthsas low as 6.25% APR*

*APR= Annual percentage rate. 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.
Primary residence refinance or purchase. For non-owner occupied interest rates, please call 619-283-7026.
**ARM = Adjustable Rate Mortgage
***On approved credit. Maximum HELOC 80% combined loan-to-value. After the intro period, the rate will adjust based on the prime rate as published in the Wall Street Journal, plus a margin of .75%. Minimum credit line of $20,000 required; $10,000 minimum initial advance required at time of funding. The rate may not increase more than 6% over the start rate. Your rate may vary.

Signature Loan Rates

Rates as of:February 21, 2018
Loan TypeTerm *APR as low as
SignatureOpen9.9%

Line of Credit Rates

Rates as of:February 21, 2018
Loan TypeTerm *APR as low as
Line of CreditOpen13.9%

Share Secured Rates

Rates as of:February 21, 2018
Loan TypeTerm *APR as low as
Share Sec'D120 monthsSH RATE + 3%

Certificate Secured Rates

Rates as of:February 21, 2018
Loan TypeTerm *APR as low as
CertificateMaturity DateCD RATE +3%

Visa Account Rates

Card TypeTerm / Amount *APR as low as
Visa Classicup to 10K12.9%
Visa Goldup to 20K11.9%
Visa Platinumup to 25K9.9%

 

*Annual Percentage Rates (APR)

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