Personal Banking
You're a person, not a number.
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.
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.
- Fixed loans from $1,500 to $250,000
- Repayment terms from 12 to 84 months1
- First-time buyers program
- Mechanical Breakdown Protection (MBP)
- Guaranteed Asset Protection (GAP)
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…
- You choose one of our Preferred Auto Lease Dealers below
- They’ll help you find an affordable lease that fits your needs
- They’ll submit your lease application to us at the Credit Union
- If approved, we’ll take care of the paperwork directly with the dealer
- And you can start enjoying your new car!
California Preferred Dealers
Nevada Preferred Dealers
California Preferred Dealers
Chrysler Dodge Jeep & Ram
- 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
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
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.
- New and used, dealers and private parties welcome
- Fixed loans from $2,500 to $250,000 with repayment terms from 36 to 180 months1
- 90% Loan to Value (LTV) maximum
- No prepayment penalty
- Guaranteed Asset Protection (GAP)
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 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 | ||
| 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
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 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 8.00% to 9.75% APR based on Prime Rate and creditworthiness. Prime Rate as of 2.2.23 is 7.75% 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 2.2.23 is 7.75% 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.
- Conventional loans
- FHA and VA loans
- Adjustable Rate Mortgage (ARM)
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 |
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…
- We give you a loan and deposit the funds in an SCE Credit Union Savings account in your name, where it earns dividends
- You make on-time monthly payments based on simple terms we both agree upon
- As you repay, we report your good payment history to the credit bureaus, which helps build your credit
- As you make payments, the funds are made available to you1 – or you can leave the money in the account for whatever you choose
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 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.
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.
