South Coast ILWU Federal Credit Union offers a wide variety of loans at affordable rates. Are you looking for your first car, a new car or pickup, a motor home or RV? Are you purchasing or refinancing a home? Do you want to make use of the equity in your home?

You can expect all of our lending services to come with the prompt and friendly service you deserve as a member-owner of SCILWU FCU. We think our combination of outstanding service, great rates and convenience just can't be beat! Check out our rates, try different loan scenarios on the loan calculator, then complete the online loan application, print it and submit it to our loan officer.

Our Lending Services include:

Home Equity Loans New and Used Auto Loans
New and Used RV, Motorcycle and Boat Loans Signature Loans
Share Secured Loans    




Effective as of February 22, 2008
Rates are subject to change without notice

 Loan Type Term APR*
 Share Secured up to 60 Months 3.00%
  61 to 84 Months 3.75%
 New Auto 36 Months 5.40%
  48 Months 5.90%
  60 Months 6.40%
  72 Months 6.90%
  84 Months 7.40%
 Used Auto (3 years old or newer) 36 Months 6.90%
  48 Months 7.40%
  60 Months 7.90%
  72 Months 8.40%
  84 Months 8.90%
 Used Auto (older than 3 years) 60 Months Maximum 8.25%
 New RV's & Boats    
  up to $10,999.99 60 Months 7.40%
  $11,000.00 to $30,999.99 61 to 120 Months 7.90%
  $31,000.00 to $59,999.99 121 to 179 Months 8.40%
  $60,000.00 and over 180 to 240 Months 8.90%
 Used RV's & Boats (3 years old or newer)    
  up to $19,999.99 60 Months 8.15%
  $20,000.00 and over 61 to 120 Months 8.65%
 Used RV's & Boats (older than 3 years)    
  up to $19,999.99 60 Months 8.40%
  $20,000.00 and over 61 to 120 Months 8.90%
 Signature 24 Months 12.00%
  25 to 48 Months 13.00%

Receive a 1/4% reduction in above rates (except share-secured and signature loans) for payroll deduction, direct deposit loan transfer, or bringing financing of a loan to us from another financial institution. Rates are subject to change. Please call for current rates.

* APR = Annual Percentage Rate.