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.
Pardon our dust as we remodel our Las Vegas locations. View timelines and updates.
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 48-month term at 5.73% APR is $23.37 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 | |
---|---|---|
Perfect for... | ...those who want a great card with the lowest APR | ...those establishing or re-establishing credit |
Introductory rate1 Loan Rates | 2.90% | |
Annual fee | $0 | $0 |
Limit amounts | $250 to $50,000 | $250 to $50,000 |
Balance transfers & cash advances2 | ||
Digital Banking Digital Banking & Security | ||
Identity theft monitoring3 | ||
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.
$25k to $250k limits1
Variable loan
Owner Occupied LTV up to 80%
10 year draw period
20 year repayment period
No prepayment penalty
$25k to 250k limits2
Variable loan
Owner occupied LTV up to 80%
Non-owner occupied LTV up to 70%
10 year draw period
10 year repayment period
No prepayment penalty
$25k to 250k limits3
Fixed loan
Owner occupied LTV up to 80%
Non-owner occupied LTV up to 70%
20 year repayment period
No prepayment penalty
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.
Whether you want to buy or refi, our Home Mortgage Loan products are designed to help get you moving. Through our credit union owned mortgage company, Community Mortgage Funding (CMF)1, we’re able to offer loans in many states.2 Be sure to ask us about closing cost and down payment assistance programs.
Working together, we can make your home loan needs a reality.
Prefer to connect by phone? Call CMF directly at 877.915.3030.
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!
Members with current loans, click here to make a payment.
1Community Mortgage Funding (CMF) is our credit union owned mortgage company. 2AZ, CA, CO, FL, ID, IL, KS, MI, MN, NV, NJ, OH, OK, OR, PA, TX and WA. CMF state licensing.
Perfect for those creating a sustainable home.
Loan 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.
$500 to $50,000 limits1,2
Fixed loan from 12 to 60 months3
$250 to $50,000 limits1
Variable loan
100% of funds on deposit
Fixed loan4
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!
This card is perfect for teens ages 16 to 17 who want to establish credit.
1Standard introductory period is six billing cycles, after which balances are converted to a fixed rate based on Prime Rate plus a margin. 2ID Navigator Powered by NortonLifeLock
I like this place! It's so much easier than standing in long lines at other banks. Online is super easy too!
Joanna M
Google 4.18.24
Miguel L
Yelp 4.17.24
Jennifer and her team took all the time needed to answer my questions (and I had a ton). She made our homebuying experience wonderful. I am sooo happy that we chose SCE Credit Union and CMF.
Gilberto G
Google 4.17.24
The membership benefits are outstanding, offering competitive rates and a wide range of financial services tailored to my needs. I highly recommend SCE Credit Union to anyone in search of a reliable financial institution. Their dedication to excellence and customer service truly makes them stand out in the industry. I look forward to a long and rewarding relationship with SCE Credit Union.
Fiorella N
Google 4.13.24
They are committed to helping you. They provide many facilities and are with you all the time. Thanks, SCE Credit Union.
Edison G
Google 4.12.24
True customer service. Great car buying experience every time. I’ve bought about 10 cars through them.
Tyrone C
Google 4.11.24
I've been a member for a long time. The service is great. Customer service is great. Never had any bad experience. I recommend it to anyone.
Pedro B
Google 4.10.24
Ms Dez
Google 4.9.24
I was greeted kindly by the window teller. I changed my mind twice during the transaction and my teller kept a warm smile and made me feel at ease even though I was causing her more work. I appreciated her patience, kindness, and, most of all, sincerity. This bank always has the nicest people and the most amazing services.
Jorge G
Google 4.4.24
I have been a member of SCE Credit Union for 10 years. I always get great service, and the staff are always ready to help with any information I may need. They are very professional, and I would recommend anyone to bank here. Keep up the good work, guys. Thank you!
James W
Google 4.3.24