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Products & Services
Products & Services

Loan Services

Credit Cards

SCFCU offers Visa Platinum and Visa Platinum Preferred. Visa is accepted around the world and can be used to access cash at ATMs and financial institutions. Our cards feature low rates, no annual fee, 25-day grace period on purchases. Also, at no cost $1,000,000 of travel accident insurance when you charge your common carrier (airline, bus, train, etc.) tickets to your Visa.

VISA Platinum

VISA Platinum Preferred Benefits

  • 2.7% APR for the first 6 months, 8.9% after*
  • $1,000,000 travel insurance
  • Credit limits up to $20,000
  • ScoreCard Bonus Points - receive points for purchases and redeem them for great rewards!
  • Concierge Service - dining, performance & special event referrals & reservations
*2.70% APR applies to balance transfers from other financial institutions and new purchases only.
SCFCU Platinum Preferred cardholders also enjoy the benefits ofScore Card Rewards!
IN ACCESSING OUR VISA APPLICATION AND DISCLOSURES, YOU HAVE REVIEWED EACH DOCUMENT AND PRINTED THEM FOR YOUR RECORDS.

Auto Loans

Along with exceptional low rates, you'll enjoy flexible terms, with up to 100% financing available. Our approvals are fast. There's no prepayment penalty. Plus we offer easy repayment methods such as payroll deductions and automatic transfers. To make buying and financing even easier, select auto dealerships now offer SCFCU financing right at the dealer.


Guaranteed Asset Protection - Protection against vehicle depreciation

Insurance doesn't always cover the full value of your vehicle after an accident. Guaranteed Asset Protection pays the difference between your primary insurance settlement (vehicle's actual cash value) and your loan balance in the event your vehicle is stolen, accidentally damaged beyond repair, or declared a total loss.


Signature Line of Credit (LOC)

A line of credit is a revolving credit line, which features flexible terms with the convenience of accessing funds instantly. Once your credit line is established, you can access it whenever you need. As you make payments to lower your balance, those funds will become available again and again.


This can be used when you need it, within the amount of your credit limit. Therefore, you only pay interest on the money you actually borrow.


Easily access funds by:

Open End Application
Open End Insurance Application
10.90 Addendumn
11.90 Addendumn
13.90 Addendumn
17.90 Addendumn

Loan Rates

Home Loans

Our experienced loan officers are committed to helping locate the right loan for you. We offer competitive fixed or adjustable rate mortgage loans that feature a flexible choice of terms.

Click here for addtional information, loan calculators, and more.

Apply Now

Home Equity Loans

Vehicle Loans

Using the equity in your home is a convenient way to access extra cash. This can be used for home improvement, debt consolidation, educational expenses or other purposes.


Benefits of using our home equity loans include:

  • Competitive fixed rates and flexible terms
  • No closing costs on select plans
  • Potential tax savings - the interest may be tax deductible
    (consult your tax advisor)
  • Borrow up to 90% of the appraised value of your home, less than what you owe

    Here's an example:

    Appraised value $75,000
    Times 90% x 90
    Subtotal 67,500
    Less mortgage - $40,000
    Maximum loan amount $27,500

Loan Rates

Home Equity Line of Credit (HELOC)

Vehicle Loans

Capitalize on the investment you have in your home and borrow what you need. Interest is only applied to the amount that is borrowed, which saves you money. This allows you flexibility with the amount of money you spend and the payments you make.


Benefits of our HELOC include:

  • No closing costs on select plans
  • Free checks for easy access to your funds
  • Potential tax savings - the interest may be tax deductible
    (consult your tax advisor)
  • Borrow up to 90% of the appraised value of your home, less than what you owe
Loan Rates

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