Login

Apply or Refi
Auto Buying Services
Insurance Services
Loan Calculator

Auto Loans - Rates Table

Auto Loans New or Used
TermMin Loan AmtAPR1Est Mo Payment / $1,000
≤ 4 Years$5,0004.49% - 13.49%$22.80 - $27.08
5 Years$10,0004.99% - 13.99%$18.87- $23.27
6 Years$15,0005.49% - 14.49%$16.34- $20.88
7 Years2$25,0005.99% - 9.49%$14.61- $16.35
Auto Loans Rates

Motorcycle Loans - Rates Table

Motorcycle Loans NewUsed
TermMin Loan AmtAPR1Est Mo Pmt / $1kAPR1Est Mo Pmt / $1k
3 Years$1,500
4.49% - 14.24%$29.74 - $34.294.74% - 14.49%$29.86- $34.41
4 Years$5,0004.49% - 14.24%$22.80 - $27.454.74% - 14.49%$22.92 - $27.57
5 Years$10,0004.49% - 14.24%$18.64 - $23.394.74% - 14.49%$18.76 - $23.52
6 Years$15,0004.99% - 16.24%$16.10 - $21.835.24% - 16.49%$16.22 - $21.97
7 Years$25,0005.49% - 10.49%$14.37 - $16.865.74% - 10.74%$14.49 - $16.99
Motorcycle Loans Rates

First-Time Buyer Auto Loans - Rates Table

First-Time Buyer Auto Loans New or Used
TermMin Loan AmtAPR1Est Mo Payment / $1,000
3 Years$1,500
5.49% - 15.24%$34.79 - $85.84
4 Years$5,0005.49% - 15.24%$23.26 - $27.96
5 Years$10,0005.49% - 15.24%$19.10 - $23.93
6 Years$15,0005.99% - 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
TermMin Loan AmtAPR1Est Mo Payment / $1,000
5 Years$2,500
5.49% - 7.74%$20.16 - $85.84
6-7 Years$15,0006.49% - 8.74%$19.57 - $17.90
8-9 Years$30,0007.49% - 9.74%$13.89 - $13.95
10-12 Years$50,0008.49% - 10.74%$12.40 - $12.39
13-15 Years$50,00010.49% - 11.74%$11.78 - $11.85
RV, Boat & Dirt Bike Loans Rates

Classic Auto Loans - Rates Table

Classic Auto Loans
TermMin Loan AmtAPR13Est Mo Payment / $1,000
3 Years$1,500
3.99% - 8.24%$31.45 - $85.18
4 Years$5,0003.99% - 8.24%$22.58 - $24.53
5 Years$10,0003.99% - 8.24%$18.42 - $20.40
6 Years$15,0004.49% - 8.74%$15.88 - $17.90
7 Years$25,0004.99% - 7.99%$14.14 - $15.59
Classic Auto Loans Rates

Vehicle Value Loans - Rates Table

Vehicle Value Loans
TermMin Loan AmtAPR14Est Mo Payment / $1,000
3 Years$1,500
4.49% - 14.24%$34.30 - $85.38
4 Years$5,0004.49% - 14.24%$22.80 - $27.46
5 Years$10,0004.49% - 14.24%$18.64 - $23.53
6 Years$15,0004.99% - 9.24%$16.11 - $18.15
Vehicle Value Loans Rates
Call Us to Apply
Home Buying Services
Insurance Services
Loan Calculator

Home Equity Lines of Credit - Rates Table

Home Equity Lines of Credit
Interest-Only HELOCTraditional HELOCTraditional HELOC
Owner Occupied APR56Owner Occupied APR5Non-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
TermOwner Occupied APR5Non-Owner Occupied APR5
5 Years5.50% - 7.50%
6.50% - 7.50%
10 Years6.00% - 8.00%7.00% - 8.00%
15 Years6.50% - 8.50%7.50% - 8.50%
20 Years7.00% - 9.00%
Home Equity Loans Rates

Home Mortgage Loans

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

Apply for a Line of Credit
Apply for a Signature Loan
Apply for a Credit Builder Loan

Lines of Credit - Rates Table

Lines of Credit
TermAPR7Daily Periodic Rate
Revolving14.75% - 18.00%0.040410% - 0.049315%
Lines of Credit Rates

Signature Loans - Rates Table

Signature Loans - including Quinceañera Loans
TermMin Loan AmtAPR7Est Mo Payment / $1,000
2 Years$250
8.50% - 13.50%$45.46 - $47.78
4 Years$2,5009.50% - 14.50%$25.13 - $27.59
5 Years$5,00010.50% - 18.00%$21.50 - $25.40
Signature Loans Rates

Certificate Secured Loans - Rates Table

Certificate Secured Loans
TermMin Loan AmtAPR7
Options up to 5 years8Secure 100% of amount borrowedCertificate rate + 2%
Certificate Secured Loans Rates

Credit Builder Loans - Rates Table

Credit Builder Loans
TermMin Loan AmtAPR7Est Mo Payment / $1,000
9 Months9$500
5.50%$113.67
2 Years$500
5.50%$44.10
4 Years$2,5006.00%$23.49
5 Years$5,0006.50%$19.57
Credit Builder Loans Rates
Apply for a Visa

Visa Credit Cards - Rates Table

Visa Credit Cards
Intro APR1011Variable APRFixed APR
Platinum2.90%
14.25% - 18.00%
Secured Platinum14.00%
Teen Platinum122.90%12.50%
Visa Credit Cards Rates
Visa Disclosures

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.

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

Refer a Friend
Tell us your story