Rates & Fees | SCE FCU

Auto, Motorcycle & RV Rates

Auto Loans - Rates Table

Auto Loans		New or Used
Term	Min Loan Amt	APR¹	Est Mo Payment / $1,000
≤ 4 Years	$5,000	4.49% - 13.49%	$22.80 - $27.08
5 Years	$10,000	4.99% - 13.99%	$18.87- $23.27
6 Years	$15,000	5.49% - 14.49%	$16.34- $20.88
7 Years²	$25,000	5.99% - 9.49%	$14.61- $16.35

Auto Loans Rates

Motorcycle Loans - Rates Table

Motorcycle Loans		New		Used
Term	Min Loan Amt	APR¹	Est Mo Pmt / $1k	APR¹	Est Mo Pmt / $1k
3 Years	$1,500	4.49% - 14.24%	$29.74 - $34.29	4.74% - 14.49%	$29.86- $34.41
4 Years	$5,000	4.49% - 14.24%	$22.80 - $27.45	4.74% - 14.49%	$22.92 - $27.57
5 Years	$10,000	4.49% - 14.24%	$18.64 - $23.39	4.74% - 14.49%	$18.76 - $23.52
6 Years	$15,000	4.99% - 16.24%	$16.10 - $21.83	5.24% - 16.49%	$16.22 - $21.97
7 Years	$25,000	5.49% - 10.49%	$14.37 - $16.86	5.74% - 10.74%	$14.49 - $16.99

Motorcycle Loans Rates

First-Time Buyer Auto Loans - Rates Table

First-Time Buyer Auto Loans		New or Used
Term	Min Loan Amt	APR¹	Est Mo Payment / $1,000
3 Years	$1,500	5.49% - 15.24%	$34.79 - $85.84
4 Years	$5,000	5.49% - 15.24%	$23.26 - $27.96
5 Years	$10,000	5.49% - 15.24%	$19.10 - $23.93
6 Years	$15,000	5.99% - 17.24%	$16.58 - $22.38

First-Time Buyer Auto Loans Rates

RV, Boat & Dirt Bike Loans - Rates Table

RV, Boat & Dirt Bike Loans		New or Used
Term	Min Loan Amt	APR¹	Est Mo Payment / $1,000
5 Years	$2,500	5.49% - 7.74%	$20.16 - $85.84
6-7 Years	$15,000	6.49% - 8.74%	$19.57 - $17.90
8-9 Years	$30,000	7.49% - 9.74%	$13.89 - $13.95
10-12 Years	$50,000	8.49% - 10.74%	$12.40 - $12.39
13-15 Years	$50,000	10.49% - 11.74%	$11.78 - $11.85

RV, Boat & Dirt Bike Loans Rates

Classic Auto Loans - Rates Table

Classic Auto Loans
Term	Min Loan Amt	APR¹³	Est Mo Payment / $1,000
3 Years	$1,500	3.99% - 8.24%	$31.45 - $85.18
4 Years	$5,000	3.99% - 8.24%	$22.58 - $24.53
5 Years	$10,000	3.99% - 8.24%	$18.42 - $20.40
6 Years	$15,000	4.49% - 8.74%	$15.88 - $17.90
7 Years	$25,000	4.99% - 7.99%	$14.14 - $15.59

Classic Auto Loans Rates

Vehicle Value Loans - Rates Table

Vehicle Value Loans
Term	Min Loan Amt	APR¹⁴	Est Mo Payment / $1,000
3 Years	$1,500	4.49% - 14.24%	$34.30 - $85.38
4 Years	$5,000	4.49% - 14.24%	$22.80 - $27.46
5 Years	$10,000	4.49% - 14.24%	$18.64 - $23.53
6 Years	$15,000	4.99% - 9.24%	$16.11 - $18.15

Vehicle Value Loans Rates

Home Equity & Mortgage Rates

Home Equity Lines of Credit - Rates Table

Home Equity Lines of Credit
Interest-Only HELOC	Traditional HELOC	Traditional HELOC
Owner Occupied APR⁵⁶	Owner Occupied APR⁵	Non-Owner Occupied APR⁵
7.75% - 9.50%	7.50% - 12.50%	8.50% - 10.50%

Home Equity Lines of Credit Rates

Home Equity Loans - Rates Table

Home Equity Loans
Term	Owner Occupied APR⁵	Non-Owner Occupied APR⁵
5 Years	5.50% - 7.50%	6.50% - 7.50%
10 Years	6.00% - 8.00%	7.00% - 8.00%
15 Years	6.50% - 8.50%	7.50% - 8.50%
20 Years	7.00% - 9.00%

Home Equity Loans Rates

Home Mortgage Loans

Please visit our Mortgage Center for the most current rate information.

Personal Loan Rates

Lines of Credit - Rates Table

Lines of Credit
Term	APR⁷	Daily Periodic Rate
Revolving	14.75% - 18.00%	0.040410% - 0.049315%

Lines of Credit Rates

Signature Loans - Rates Table

Signature Loans - including Quinceañera Loans
Term	Min Loan Amt	APR⁷	Est Mo Payment / $1,000
2 Years	$250	8.50% - 13.50%	$45.46 - $47.78
4 Years	$2,500	9.50% - 14.50%	$25.13 - $27.59
5 Years	$5,000	10.50% - 18.00%	$21.50 - $25.40

Signature Loans Rates

Certificate Secured Loans - Rates Table

Certificate Secured Loans
Term	Min Loan Amt	APR⁷
Options up to 5 years⁸	Secure 100% of amount borrowed	Certificate rate + 2%

Certificate Secured Loans Rates

Credit Builder Loans - Rates Table

Credit Builder Loans
Term	Min Loan Amt	APR⁷	Est Mo Payment / $1,000
9 Months⁹	$500	5.50%	$113.67
2 Years	$500	5.50%	$44.10
4 Years	$2,500	6.00%	$23.49
5 Years	$5,000	6.50%	$19.57

Credit Builder Loans Rates

Visa Credit Card Rates

Visa Credit Cards - Rates Table

Visa Credit Cards
	Intro APR¹⁰¹¹	Variable APR	Fixed APR
Platinum	2.90%	14.25% - 18.00%
Secured Platinum		14.00%
Teen Platinum¹²	2.90%		12.50%

Visa Credit Cards Rates

¹APR = Annual Percentage Rate. Rates are subject to change without notice, are based on creditworthiness, and may require a down payment. Maximum rate of 18%. An additional 0.25% discount is available with a down payment of at least 10%. Some restrictions apply. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. ²Teen Auto Loans available up to 6 years. Teen must be at least 16 years old to apply. Parent required on account and must meet credit qualifications. ³Certified appraisal required. ⁴Inspection may be required. ⁵APR = Annual Percentage Rate. Based on Prime Rate of 7.50% as of 12.15.22 plus a 0% to 5% margin and applicable LTV = rate, subject to creditworthiness. Floor rates range from 4% to 8%. Annual cap is 2%, and lifetime cap is 6%, above the fully indexed rate at the time of origination. Minimum loan amount is $25,000. Sample payment based on a $25,000 loan for 5 years at 5.50% APR would be $477.52. 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. ⁶Not available on non-owner occupied dwellings. ⁷APR = Annual Percentage Rate. ⁸Interest must be paid annually, if not on a repayment plan. Maximum loan amount based on creditworthiness and ability to repay. $1,000 minimum loan amount. Maximum rate of 18%. ⁹Teen Credit Builder Loans only – ages 16 to 17. ¹⁰APR = Annual Percentage Rate. ¹¹Standard introductory period is six billing cycles. All rates based on creditworthiness. Variable rates change based on the Prime Rate plus a margin. Limits $1,000 to $50,000, $500 for Teens. $10 or 3% transaction fee on Balance Transfers and Cash Advances, whichever is greater. 1% foreign transaction fee. $25 penalty fee for late or returned payments. ¹²Teen must be at least 16 years old to apply. Parent required on account and must meet credit qualifications.