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…
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
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
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 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%.
Interest-Only HELOC Call Us to Apply | Traditional HELOC Call Us to Apply | Home Equity Loan Call Us to Apply |
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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 |
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!
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 protection | |
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.
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