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Loans & Credit for wherever life takes you

We’ve got a loan for every need… or want.

Auto & Recreational Loans

Auto & Motorcycle Loans

Get behind the wheel of your new ride or just new-to-you.

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

Your adventure starts here! Let us help you make memories of a lifetime.

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

Visa Credit Cards - Comparison Table

Platinum
Apply for a Visa
Secured Platinum
Apply for a Visa
Perfect for...those who want a great card with the lowest APRthose 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
Extended purchase warranties
Travel and rental insurance
Find the Visa Credit Card that works for you.

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

Do more with your home! You’ve put a lot into it… now let it return the favor.

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 repaythose who want funds as neededthose 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 8.00% to 9.75% APR based on Prime Rate and creditworthiness. Prime Rate as of 3.23.23 is 8.00% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. 2Rates range from 7.75% to 12.75% APR for owner occupied and 8.75% to 10.75% APR for non-owner occupied; based on Prime Rate and creditworthiness. Prime Rate as of 3.23.23 is 8.00% 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 5 years at 5.50% APR is $477.52 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 Funding1 (CMF). 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.
Down Payment & Closing Cost Assistance

Down payment and closing cost assistance for homebuyers through several programs to help you get into a home with little or no money down.

1Community Mortgage Funding (CMF) is our Credit Union owned mortgage company, licensed by the following: Department of Business Oversight, California Finance License #6039200; Nevada Exempt Company Registration #4721. CMF NMLS# 266418

Energy Loans

Make your home energy smart.

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

A little extra cash when you need it.

Lines of Credit & Signature Loans - Comparison Table

Line of Credit
Apply for a Loan
Signature Loan
Apply for a Loan
Certificate-Secured Loan
Apply for a Loan
Perfect for...those who want to use the funds as neededthose who want all of the funds up frontthose 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.

News, Info & Alerts

Very helpful. Good people. I would recommend friends to use this bank.

Richard G

Google 3.31.23

It was a great experience applying for the credit card and the representative make it easy. Thank you! I will recommend.

Alba H

Google 3.30.23

They made it easy to understand how everything works and walked me through the process. Very happy. Thank you!

Orion L

Google 3.29.23

Susan made the experience so very excellent and the whole process very smooth. She was patient, professional, and personable . I thoroughly enjoyed working with SCE Credit Union and more specifically Susan. I will definitely be back to work with SCE Credit Union in the future.

Dao

Google 3.22.23

Many opportunities in different accounts.

Gianni S

Google 3.22.23

SCE FCU demonstrated what it means to put customers first in my recent purchase of a new automobile. The loan officer was efficient, respectful and client-focused. Never been more pleased with the service of a financial institution in the purchase of a big-ticket item. Thanks SCE FCU.

rbfrichards

Google 3.15.23

Very prompt, very helpful and very professional.

Elizabeth V

Google 3.9.23

Basel at SCE FCU Irwindale has been awesome! So understanding and absolutely helpful! Highly recommend!

Jennifer M

Yelp 3.7.23

The process for getting my loan was incredibly fast and easy. We filled out a simple application online, got a call back from the agent, Sally Alvarez, who helped us to clarify a few things. We were approved the same day and received electronic signature forms and we were done!!

C Donaldson

Google 3.4.23

Applied for a personal loan and opened an account. Both processes were quick, easy, and straightforward. The agent assisting me was incredibly helpful and answered any questions I had. Opening the account online wasn’t difficult in the slightest. The website was easy to navigate.

Zach A

Google 3.4.23