Loan Rates

Loan rates and terms are determined by credit score, collateral value, collateral type, amount financed, and other factors. Rates and terms are subject to change without notice, some restrictions may apply.

New Auto Loan Rates

Annual Percentage Rate (APR) Based on Your Credit
Term680+679-640639-600599-560559-550
0 to 36 months 4.24% 4.74% 7.74% 13.24% 15.49%
37 to 60 months 4.74% 5.24% 8.24% 13.74% 15.49%
61 to 72 months 5.49% 6.24% 9.24% N/A N/A

.50% rate discount for direct deposit and automatic transfer payment.
Up to 125% financing of NADA Invoice including tax, title and license. The 125% may be increased if Warranty and GAP insurance are purchased at SOTCU.

Used Auto Loan Rates

Annual Percentage Rate (APR) Based on Your Credit
Term680+679-640639-600599-560559-550
0 to 36 months 5.24% 5.74% 8.74% 14.74% 17.24%
37 to 60 months 5.74% 6.24% 9.24% 15.24% 17.74%
61 to 72 months 6.74% 7.24% 10.74% N/A N/A

.50% rate discount for direct deposit and automatic transfer payment.
Up to 125% financing of NADA Clean Trade including tax, title and license. The 125% may be increased if Warranty and GAP insurance are purchased at SOTCU.
Note: Will consider vehicles not older than 2010.
Loan example: $1,000 at 3.99% with terms of 36 months equate to $22.53 principal and interest payments.

Signature Loans

TermLoan AmountRateAPY
Up to 24 months $1,000 - $5,000 18% 18.00%

Effective September 1, 2018

SOTCU Mastercard®

The SOTCU Mastercard® credit card gives you all the features you need, at the lowest rates we can offer.

Download Application

CardRate
Platinum Mastercard 9.90%
Mastercard Gold 12.50%
Classic Mastercard 13.90%

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Real Estate Loans

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Auto Loan Promo

Refinance Your Auto Loan

Lower your interest rate by 2.00%

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