State Center Credit Union

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VISA

State Center's Credit Cards can save you time and money. A Platinum or Classic Visa Card can let you enjoy added benefits in addition to the ease and convenience of a credit card. When you use your card for travel, you qualify for insurance privileges. And, as a valued member, you can upgrade your card to earn miles for free flights and discounts on any major airline.
Explore the benefits State Center Credit Union's credit cards:
See below for rates.

• Platinum VISA Credit Card - Rate as low as 7.99% APY
• Classic VISA Credit Card - Rate as low as 12.99% APY
• Starter VISA - Rate as low as 14.99% APY

VISA Credit Card Customer Service - 1-800-654-7728
Lost or Stolen VISA Credit Card - 1-800-449-7728

Loans

Only existing members can apply for a loan through this site. If you would like to become a member now and you know that you qualify for membership click here to find out how.

If you are a current SCCU member and you have NOT applied for a loan with SCCU in the last 12 months click below to apply:
• Loan Application

If you have applied for a loan with SCCU in the past year please complete this update application:
• Loan Application

CUDL

Credit Union Direct Lending (CUDL) is now offering to our members the ability to access financing for auto loans at the time of purchase for a vehicle, right from the dealership. Working together to bring members a fast, easy and convenient way to speed up the financing process within the dealership.

This new program comes in addition to State Center Credit Union's very successful Member Pre-approval Program where members can talk to a loan officer and get their loan set up prior to going to the dealership. With both of these programs you can choose which program suits your individual needs the best.
Call Us (559) 225-7228

To learn more about CUDL click here to visit www.cudirect.com

Home Equity Loan

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Make Yourself at Home with Home Equity Financing
Looking for a way to finance home improvements, new furniture and more? Let us help! As a not-for-profit financial institution, State Center Credit Union can offer you lower loan rates than most others. Give us a try today, we’ll save you money on the loan you need.

Click here to find out the current rates on this product.

Loan Rates

Effective July 1, 2008 >

New and Used	Financing	Rate*
Newer Autos 2005 or newer
Terms up to 60 (72/84*) months Rate as low as 4.75%	100%	4.75%
Autos 2004 or older
Terms up to 60 (72/84*) months Rates as low as 5.00%	100%	5.00%
Classic Autos - 20 or more years old
Terms up to 60 months Rate as low as 8.50%	100%	8.50%
* Terms of 72 months available on financing of $15K or more. * Terms of 84 months available on financing of $25K or more, no discounts with this term.

Motorcycles - New and Used
terms up to 60 months Rate as low as 9.49		9.49%

Boats - Up to 60 months Rate as low as 9.49		9.49%

Computers Rate as low as 8.99		8.99%
Terms: 12 months $500 - $1,499 / 24 months $1,500 - $3,000.

Miscellaneous Collateral Rate as low as 9.99		9.99%
(Jet Ski, Appliance, Electronics, lawn tractor, etc) Term: 12 mo. $500 - $2,000 / 24 mo. $2,001 - $4,000 / 36 mo. $4,001 - $5,000

Signature (Unsecured) - Rate as low as 8.99
Terms up to 36 months		8.99%
(Min $5,000 or more) - Terms up to 72 months		13.49%

Recreational Vehicles - Rate as low as 7.99	80%	7.99%
New RV's: Max. terms 15 years, Used RV's: Max. term 12 years	100%	8.99%

New Travel & 5th-Wheel Trailers
Terms: 10yrs Min. fin. amount $10k Rate as low as 7.99	100%	7.99%
Terms: 12yrs Min. fin. amount $15k Rate as low as 9.99	100%	9.99%

Used Travel & 5th-Wheel Trailers
Terms: 10yrs Used: Min. fin. amount $10k - Rate as low as 8.99	100%	8.99%
Terms: 12yrs Used: Min. fin. amount $15k - Rate as low as 10.99	100%	10.99%

Line of Credit (unsecured) Rate as low as 8.99		8.99%

Share Draft Overdraft Loans Rate as low as 8.99		8.99%

Mortgage Loans (First Trust Deeds)
For Info. Contact: CUSO Mortgage at 1-800-400-4540

Home Equity Line of Credit Prime Rate**
** Prime Rate as published in the Wall Street Journal for loans up to 80% LTV (minimum 7%). Prime Plus 3% for loans over 80% LTV.
Home Equity Loan	Fixed Rate	5.90%
Fixed -rate Home Equity Loan. Rate is fixed at 5.90% for 7-year term @ 80% LTV and 7.25% for 15-year term @ 80% LTV. Closing fees are approx. $165. Rates and terms subject to change. See branch for details
Rates based upon credit worthiness. * Restrictions apply, see a SCCU loan officer. Prime Rate as published in the Wall Street Journal for loans up to 80% LTV. See branch for complete rate details. Rates are subject to change without notice. Equal Housing Lender

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