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Auto & Recreational Loans

Auto & Motorcycle Loans

1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.

Auto Leases

Our CULA (Credit Union Leasing of America) participating dealers can help you find the car and assist you through the leasing process. Here’s how it works…

California Preferred Dealers

Chrysler Dodge Jeep & Ram

Envision Chrysler Dodge Jeep & Ram
298 N Azusa Ave, West Covina  •  626.784.4899

Orange Coast Chrysler Dodge Jeep & Ram
2927 Harbor Blvd, Costa Mesa 92626  •  714.587.6200

Russell Westbrook Chrysler Dodge Jeep & Ram
6110 Van Nuys Blvd, Van Nuys 91401  •  818.646.2364

Tuttle Click Chrysler Dodge Jeep & Ram
40 Auto Center Dr, Irvine  •  949.472.7400

Tuttle Click Chrysler Dodge Jeep & Ram
40 Auto Center Dr, Tustin  •  714.604.2369

Ford Lincoln Mercury

Caruso Ford
3500 Cherry Ave, Long Beach  •  562.384.1065

Huntington Beach Ford
18255 Beach Blvd, Huntington Beach CA  •  714.786.5662

Norm Reeves Ford Superstore
18900 Studebaker Rd, Cerritos  •  562.353.4633

Honda

Norm Reeves Honda Superstore
16 Auto Center Dr, Irvine  •  949.540.1830

Infiniti

Norm Reeves Cerritos Infiniti
18818 Studebaker Rd, Cerritos  •  562.345.1333

Toyota

Cody’s Tustin Toyota
36 Auto Center Dr, Tustin  •  714.832.3111

Volkswagen

Norm Reeves Volkswagen Superstore
20 Auto Center Dr, Irvine  •  949.382.7063

Nevada Preferred Dealers

Chrysler Dodge Jeep & Ram

Chapman Las Vegas Dodge Chrysler Jeep Ram
3470 Boulder Hwy, Las Vegas  •  702.457.1061

Chapman Chrysler Jeep
930 Auto Show Dr, Henderson  •  702.558.3000

RV, Boat & Dirt Bike Loans

1Estimated monthly payment per $1,000 on a 12-month term at 5.49% APR is $85.84 and subject to change.

Credit Cards

Visa Credit Cards

Platinum
Apply for a Visa
Secured Platinum
Apply for a Visa
Perfect for......those who want a great card with the lowest APR...those establishing or re-establishing credit
Introductory rate
Loan Rates
2.90%
for six billing cycles1
Annual fee$0$0
Limit amounts$250 to $50,000$250 to $50,000
Balance transfers & cash advances
3% fee ($10 minimum)
Digital Banking
Digital Banking & Security
Identity theft protection
ID Navigator Powered by NortonLifeLock
Extended purchase warranties
Travel and rental insurance

1Standard introductory period is six billing cycles, after which balances are converted to a variable rate that varies with the market based on Prime Rate plus a margin. Foreign Transaction fee is 1%.

Home & Energy Loans

Home Equity Loans

Home Equity Loans - Comparison Table

Interest-Only HELOC
Call Us to Apply
Traditional HELOC
Call Us to Apply
Home Equity Loan
Call Us to Apply
Perfect for......those who want more time to repay...those who want funds as needed...those who want funds up front
Rate type
Loan Rates
Variable
VariableFixed
Limit amounts$25k to $250k1$25k to $250k2$25k to $250k3
Owner Occupied LTV4
Non-Owner Occupied LTV
Up to 80%
NA
Up to 80%
Up to 70%
Up to 80%
Up to 70%
Draw period10 years10 yearsNA
Repayment periodUp to 20 yearsUp to 10 yearsUp to 20 years
Prepayment penaltyNoneNoneNone
Digital Banking
Digital Banking & Security
Do more with your home! You’ve put a lot into it… now let it return the favor.
1Rates range from 8.50% to 10.25% APR based on Prime Rate and creditworthiness. Prime Rate as of 5.25.23 is 8.25% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. 2Rates range from 8.25% to 13.25% APR for owner occupied and 9.25% to 11.25% APR for non-owner occupied; based on Prime Rate and creditworthiness. Prime Rate as of 5.25.23 is 8.25% APR. APR = Annual Percentage Rate. Annual rate cap is 2.00%; lifetime rate cap is 6.00% above the initial rate at the time of funding. 3Estimated monthly payment based on a $25,000 loan for 10 years at 8.25% APR is $306.72 and subject to change. APR = Annual Percentage Rate. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. 4LTV = Loan to Value.

Home Mortgage Loans

There’s no place like home. That’s why we offer the services of our credit union owned mortgage company, Community Mortgage Funding (CMF).1 Buy or refi… either way, our Home Mortgage Loan products are designed to help get you moving – and we’re able to offer loans in AZ, CA, CO, IL, KS, MI, MN, NV, NJ, OH, OK, OR, PA, TX and WA. Let us help open the door to your new home.

Do you need a real estate agent? Let our CMF Home Rewards Program pair you with a trusted, local real estate agent, while saving money on buying and/or selling your home!

Let’s get started!

Visit our online mortgage center to learn more about your financing options.
1Community Mortgage Funding (CMF) is our credit union owned mortgage company. CMF state licensing.

Energy Loans

Energy Loans - Comparison Table

Energy Loans1
Call Us to Apply
Perfect for......those creating a sustainable home
Variety of loan options
No down payment
No prepayment penalty
Make your home energy smart.

1Loan secured by a UCC filing.

Personal Loans

Credit Builder Loan

We get it, life happens. And sometimes that means your credit score might need a little help.
Credit Builder is a loan designed to help those with no credit or colorful credit.

Here’s how it works…

1Amount of funds made available to withdraw is based on payment amount, interest paid, and dividends earned.

Lines of Credit & Signature Loans

Lines of Credit & Signature Loans - Comparison Table

Line of Credit
Apply for a Line of Credit
Signature Loan
Apply for a Signature Loan
Certificate-Secured Loan
Apply for a Secured Loan
Perfect for......those who want to use the funds as needed...those who want all of the funds up front...those who want to borrow against their Certificate savings
Limit amounts$250 to $25,0001$500 to $50,00012100% of funds on deposit
Terms
Loan Rates
Variable loanFixed loan from 12 to 60 months3Fixed loan4
Digital Banking
Digital Banking & Security
A little extra cash when you need it.

1Loan amount based on creditworthiness and ability to repay. 2Debt consolidation may require financial counseling. 3Estimated monthly payment per $1,000 on a 24-month term at 8.50% APR is $45.46 and subject to change. 4Interest must be paid annually, if not on a repayment plan.

Quinceañera Loan

Give her the celebration of her dreams, without losing sleep over how to pay for it.

Applying is easy – with a valid Social Security number or ITIN.

1Maximum loan amount based on individual qualifications and ability to repay. 2Estimated monthly payment per $1,000 on a 12-month term at 8.50% APR is $87.20 and subject to change. Rates as low as 8.5% APR as of 12.8.22 on terms up to 24 months; rates subject to change and are based on individual credit. Longer terms available at higher rates with set minimum loan amounts.

Teen Loans & Credit

Teen Credit Builder Loan

This loan is one of the best ways to build credit for a teen who’s 16 or 17 years old… and can help build their savings at the same time.

Here’s how it works:

Pro Tip! Help them set up a monthly automatic transfer from their Teen Checking account to ensure payments are made on time, helping to build their good payment history. Too easy!

Teen Visa Credit Card

Teen Visa Credit Card - Table

Teen Platinum
Apply for a Teen Visa
Perfect for......a teen ages 16 to 17 who want to start establishing credit
Introductory rate
Loan Rates
2.90%
for six billing cycles1
Annual fee$0
requires a parent or guardian joint owner
Limit$500
Cash Advance Fee3% ($10 minimum)
Foreign Transaction Fee1%
RequirementsParent must be on the account and meet credit qualifications
Digital Banking
Digital Banking & Security
Identity theft protection
Extended purchase warranties
A Teen Visa Credit Card is perfect for a teen ages 16 to 17 who want to start establishing credit.

1Standard introductory period is six billing cycles, after which balances are converted to a fixed rate based on Prime Rate plus a margin.

Teen Auto Loan

1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.

News, Info & Alerts

Great experience, everyone is very professional and informative. 100% would say SCE Credit Union has been amazing.

K00pa0ne

Google 5.31.23

Want to give a shout out to Lucy N. at the Sahara branch. We needed immediate assistance with an issue related to a deed reconveyance and Lucy worked to ensure the matter was resolved ASAP. She was professional and courteous - a true asset to SCE Credit Union!! Many thanks!!

Erin D

Yelp 5.29.23

Just completed a loan with SCE Credit Union. I appreciated the ease of the application process; the speed of the entire process; and the continuous communication from employees.

Yolie P

Google 5.27.23

I love SCE Credit Union.

Pinky Lee R

Google 5.26.23

It was extremely fast and easy. Loan consultant Jaime Marquez was very supportive and understanding of what exactly I was looking for and did a very good job explaining everything.

Jorge R

Google 5.19.23

Looking for good service and a friendly experience you get that here with SCE Credit Union. My car loan was a good experience, my home loan will be next.

Jorge M

Google 5.19.23

First of all the lady, Sandra, who was on a teleconference with me, helped process my loan application and was nothing short of an angel. She made me feel comfortable and at ease with the whole process. I felt she went above and beyond. And As far as the Irwindale branch goes, every single person who works at that branch is a joy to communicate with. Everyone truly feels genuine and they are all so helpful.

Roy T

Google 5.13.23

My entire loan process was quick, easy, and hassle free!!! Gina was great to work with, she was also friendly and professional.

Renee K

Google 5.10.23

Always gr4eat to deal with this bank. Better than any I've experienced in the last 30 years.

G T

Google 5.10.23

Always great service. They remember their members. Great staff. Great manager.

Mr Brightside

Google 5.8.23