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

Lines of Credit & Signature Loans - Comparison Table

Line of Credit
Apply for a Line of Credit
Signature Loan
Apply for a Signature Loan
Certificate-Secured Loan
Apply for a Secured 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 $50,00012100% of funds on deposit
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.

Dealing with an unauthorized charge can be a stressful experience, but Elizabeth Martinez from SCE FCU was very helpful and provided me with all the information I needed to resolve it.

Lambert C

Google 9.21.23

I have always had nothing but positive experiences working with SCE FCU. Wouldn’t want to bank anywhere else. They still treat you as a customer they sincerely care about. That is rare these days. Their representatives are always cheerful, courteous, and professional in taking care of any of my banking needs!

James T

Google 9.20.23

Representative was courteous, calm and went above and beyond. Easiest and painless call ever with my inquiry.

Jonathan L

Google 9.20.23

Customer service was amazing and helpful. Very professional, polite, and knowledgeable. Love banking with SCE FCU. Will always support and recommend them.

Christopher R

Google 9.20.23

I've been a member for a couple years and every time I have a question or concern I've been helped either by phone or by going to the Duarte or Irwindale branch.

Magaly B

Google 9.20.23

Representative was very knowledgeable and helped me resolve my issue. Excellent customer service! Thank you!

Karen F

Google 9.20.23

I love this bank. Everyone is always so helpful and try to get things done for you!

Monica G

Google 9.20.23

The best banking institution I have ever used. I really love the service they provide! Thank you !!!!

Paul G

Google 9.16.23

Excellent customer service. The lady who helped me was nice, patient and helped me with all my questions.

Edith R

Google 9.16.23

Banking with you has always been amazing. We've bought 4 cars through SCE FCU and will likely continue to do so. The CU at the wheel program was seamless and unbelievably easy. By utilizing SCE discounts I was able to bring my interest rate down 1.25%. Another reason why I love banking with SCE FCU. They are always looking for ways to save their customers money.

Kenny M

Google 9.16.23