Loans & Credit
Loans for every need... or want
We’re for people with plans, whatever they are. We all love to
dream bigger, brighter and always better. We’ll work with you to
make that dream, however crazy, a reality.
We’re for people with plans, whatever they are. We all love to
dream bigger, brighter and always better. We’ll work with you to
make that dream, however crazy, a reality.
1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.
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…
1Estimated monthly payment per $1,000 on a 12-month term at 5.49% APR is $85.84 and subject to change.
Platinum Apply for a Visa | Secured Platinum Apply for a Visa | |
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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 monitoring 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%.
There’s no place like home. We’re able to offer loans in California and Nevada.
Interest-Only HELOC Apply now! | Traditional HELOC Apply now! | Home Equity Loan Apply now! | |
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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 | Variable | Fixed |
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 period | 10 years | 10 years | NA |
Repayment period | Up to 20 years | Up to 10 years | Up to 20 years |
Prepayment penalty | None | None | None |
Digital Banking Digital Banking & Security |
1Rates range from 8.75% to 11.00% APR based on Prime Rate and creditworthiness. Prime Rate as of 7.26.23 is 8.50% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. 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. Manufactured and mobile homes are not eligible.
2Rates range from 8.50% to 13.50% APR for owner occupied and 9.50% to 11.50% APR for non-owner occupied; based on Prime and creditworthiness. Prime Rate as of 7.26.23 is 8.50% 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. Processing fees can rage 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. Manufactured and mobile homes are not eligible.
3Estimated monthly payment based on a $25,000 loan for 10 years at 9.25% APR is $320.18 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. Manufactured and mobile homes are not eligible.
4LTV = Loan to Value.
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!
Prefer to connect on the phone? Call an agent direct at 877.915.3030.
Visit our online mortgage center to learn more about your financing options. Members with current loans, click here to make a payment.
Energy Loans1 Call Us to Apply | |
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Perfect for... | ...those creating a sustainable home |
Variety of loan options | |
No down payment | |
No prepayment penalty |
1Loan secured by a UCC filing.
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.
Line of Credit Apply for a Line of Credit | Signature Loan Apply for a Signature Loan | Certificate-Secured Loan Apply for a Secured Loan | |
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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 $50,00012 | 100% of funds on deposit |
Terms Loan Rates | Variable loan | Fixed loan from 12 to 60 months3 | Fixed loan4 |
Digital Banking Digital Banking & Security |
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.
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.
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 Platinum Apply for a Teen Visa | |
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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 Fee | 3% ($10 minimum) |
Foreign Transaction Fee | 1% |
Requirements | Parent must be on the account and meet credit qualifications |
Digital Banking Digital Banking & Security | |
Identity theft monitoring ID Navigator Powered by NortonLifeLock | |
Extended purchase warranties |
1Standard introductory period is six billing cycles, after which balances are converted to a fixed rate based on Prime Rate plus a margin.
1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.
Dealing with an unauthorized charge can be a stressful experience, but Elizabeth Martinez from SCE FCU was very helpful and provided me with all the information I needed to resolve it.
Lambert C
Google 9.21.23
I have always had nothing but positive experiences working with SCE FCU. Wouldn’t want to bank anywhere else. They still treat you as a customer they sincerely care about. That is rare these days. Their representatives are always cheerful, courteous, and professional in taking care of any of my banking needs!
James T
Google 9.20.23
Representative was courteous, calm and went above and beyond. Easiest and painless call ever with my inquiry.
Jonathan L
Google 9.20.23
Customer service was amazing and helpful. Very professional, polite, and knowledgeable. Love banking with SCE FCU. Will always support and recommend them.
Christopher R
Google 9.20.23
I've been a member for a couple years and every time I have a question or concern I've been helped either by phone or by going to the Duarte or Irwindale branch.
Magaly B
Google 9.20.23
Representative was very knowledgeable and helped me resolve my issue. Excellent customer service! Thank you!
Karen F
Google 9.20.23
I love this bank. Everyone is always so helpful and try to get things done for you!
Monica G
Google 9.20.23
The best banking institution I have ever used. I really love the service they provide! Thank you !!!!
Paul G
Google 9.16.23
Excellent customer service. The lady who helped me was nice, patient and helped me with all my questions.
Edith R
Google 9.16.23
Banking with you has always been amazing. We've bought 4 cars through SCE FCU and will likely continue to do so. The CU at the wheel program was seamless and unbelievably easy. By utilizing SCE discounts I was able to bring my interest rate down 1.25%. Another reason why I love banking with SCE FCU. They are always looking for ways to save their customers money.
Kenny M
Google 9.16.23