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Competitive loan rates
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 loan application, print it and submit it to our loan officer. You can also Click Here to apply for a mortgage loan today.
Our lending services include:
- New and used auto loans
- News and used RV, motorcycle, and boat loans
- Share secured loans
- First mortgage home loans
- Signature loans
Wherever you are in your higher education, get the money you need for school. Student loans from South Coast ILWU FCU in partnership with Sallie Mae® could help!
Sallie Mae® student loans are designed for the needs of all types of students.
- Competitive interest rates
- Multiple repayment options
- No origination fees; no prepayment penalty1
Borrow responsibly. We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank. South Coast ILWU FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.
1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
©2024 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
LOAN RATE SCHEDULE
Rates as of 1/13/23.
Rates are subject to change
Loan type |
Term |
APY* |
Special Rate |
| Share Secured | |||
| - | up to 60 months | 3.00% | - |
| - | 61 to 84 months | 3.75% | - |
| New Auto | |||
| - | Up to 36 months | 5.40% | - |
| - | Up to 48 months | 5.90% | - |
| - | Up to 60 months | 6.40% | - |
| - | Up to 72 months | 6.90% | - |
| - | Up to 84 months | 7.40% | 5.49% (Up to 84 mos) |
| Used Auto (3 years old or newer) | |||
| - | Up to 36 months | 6.90% | - |
| - | Up to 48 months | 7.40% | - |
| - | Up to 60 months | 7.90% | - |
| - | Up to 72 months | 8.40% | - |
| - | Up to 84 months | 8.90% | 5.99% (Up to 84 mos) |
| Used Auto (older than 3 years) | |||
| - | 60 months maximum | 8.25% | 5.99% (Up to 60 mos) |
| New RV's and 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 $59,000.00 | 121 to 179 months | 8.40% | - |
| $60,000.00 and over | 180 to 240 months | 8.90% | - |
| Used RVs and Boats (3 years old or newer) | |||
| Up to $19,999.00 | 60 months | 8.15% | - |
| $20,000.00 and over | 61 to 120 months | 8.65% | - |
| Used RVs and Boats (older than 3 years) | |||
| Up to $19,999.00 | 60 months | 8.40% | - |
| $20,000.00 and over | 61 to 120 months | 8.90% | 6.49% (Up to 120 mos) |
| Signature | |||
| - | 24 months | 12.00% | - |
| - | 25 to 48 months | 13.00% | - |
Receive a ¼% 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 (excluding loan specials). Rates are subject to change. Please call for current rates. Must add at least $5000.00 to current loan to qualify for the special rate of 5.49% or new loan of $5000.00 or more.
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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.