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Loans & Credit for wherever life takes you

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

Auto & Recreational Loans

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Buying Services
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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.

Insurance Services

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

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

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Insurance Services
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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 - 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%.

Visa Disclosures

Home & Energy Loans

Insurance Services
Loan Calculator

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 7.75% to 9.50% APR based on Prime Rate and creditworthiness. Prime Rate as of 12.15.22 is 7.50% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. 2Rates range from 6.25% to 11.25% APR for owner occupied and 7.25% to 9.25% APR for non-owner occupied; based on Prime Rate and creditworthiness. Prime Rate as of 12.15.22 is 7.50% 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. 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

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Home Buying Services
Insurance Services
Today’s Rates
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)
  • Balloon Mortgage (30 due in 15)
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.

Let's Get Started!

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

Insurance Services
Loan Calculator

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

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Loan Rates

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.

Loan Calculator

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.

Apply for a Loan
Loan Rates
Loan Calculator

Give her the celebration of her dreams, without losing sleep over how to pay for it.

  • Fixed loans from $500 to $50,0001
  • Repayment terms from 12 to 60 months2
  • No collateral required

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

What our members say

Lucy at the Sahara branch in Las Vegas exemplified what customer service is truly all about and missing in so many places.

Orlando G

1.27.23 Google

Very great experience at this bank. Especially our banker, Leslie at the Boyle Heights branch. She went above and beyond to get our finances in order.

Maribel L

1.10.23 Google

I've been hearing for some time about how good SCE Credit Union is toward its members. I decided, because of the good experience of a friend, to become part of the family. I'm glad to be here and look forward to many years of mutual satisfaction. Customer service is the greatest currency any company can have. Thus far, things have been exceptional.

Mitchell B

1.4.23 Google

My story goes back to when the Credit Union was still part of IBEW back in the 60's. I was 3rd gen SCE and retired after 42 years. 120+ family years . The Credit Union has always been there for me with great service and never a mistake on their part. Now in retirement it's great to know my finances are secure from any outside theft. I have had many loans starting way back when the application was all on paper. Now it's just a phone call away. So glad I started here so many years ago.

Steven F

12.31.22

I've banked with them nearly 10 years now, and they always exceed expectations in every way. This is a more personal style of banking... the way it used to be everywhere. Patience is sometimes required, but is always richly rewarded. The SCE web service has improved nicely over the years, and I can't think of anything I need from a bank that they don't offer. They care more than most, and always try harder than the rest.

David P

Yelp 12.27.22

SCE Credit Union has been with me from the start of my financial journey. They financed my first car and were there for my family, too. Through the years, I've appreciated their customer service and the way they recognize me when I walk through the door. The branch manager at Ontario is awesome! She's the reason I keep all my savings with the Credit Union. She customizes and works the products to fit my lifestyle and I trust the integrity of this bank!

Lorena C

12.23.22

I love SCE Credit Union. I've been a member for about 10 years - the customer service has always been A-1! They helped me open a corporate account and made my day.

Damion R

12.19.22

After 40+ years with WellsFargo, I decided to move my account to SCE FCU in Irwindale at my daughter’s suggestion. My WF debit card had an opening date of 8/70. Didn’t care. Best move I ever made. Great customer service. Kudos to the branch manager, George Silva, and his staff. Special shout out to Mari and Aviud. I feel appreciated as I appreciate them.

Hoss L

12.6.22

I'm a proud member since 2014. SCE FCU is very clean inside and out. I recommend anyone looking for a bank to go to them and check out their friendly and helpful staff.

Michelle N

11.15.22

SCE FCU is so kind and helpful. The team members are all so sweet. When we had fraud on our account they called and told us right away. The branch manager was waiting for us at the front desk and helped us with all our needs.

Karen S

11.7.22

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