SIUe CREDIT UNION
Loan Rates
Offering Loan Rates to SIUE and the Edwardsville Community since 1959.
Loan Rates
As a not-for-profit financial institution working to serve our members’ financial needs, SIUE Credit Union provides affordable loan rates and flexible terms. Consult the charts below for our current rates, and contact us to learn more about how we can help you reach your goals!
Auto Loan Rates (effective January 1, 2020)
All rates given reflect Annual Percentage Rate*
| Model Year | Term | Rate |
|---|---|---|
| 2020 – 2016 New & Used Vehicles | 36 mo. | 2.99% |
| 2020 – 2016 New & Used Vehicles | 48 mo. | 3.50% |
| 2020 – 2016 New & Used Vehicles | 63 mo. | 3.50% |
| 2020 – 2016 New & Used Vehicles | 72 mo. | 4.00% |
| 2020 – 2016 New & Used Vehicles | >72 mo. | 5.25% |
| 2015 – 2012 Used | 63 mo. | 4.00% |
| 2011 & Older | 48 mo. | 5.00% |
| 2011 & Older | 63 mo. | 5.50% |
*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Membership discounts may apply to result in a lower rate. Competitor rate match may also be available. Maximum discounts apply. Rates are subject to change without notice. Contact the credit union for current loan rates and loan details.
Recreational Loan Rates (effective January 1, 2020)
(New & Used Boats, Motorcycles, ATVs, RVs, Camping Trailers or Personal Watercraft)
All rates given reflect Annual Percentage Rate*
| Model Year | Term | Rate |
|---|---|---|
| New & Used Recreational | Up to 36 mo. | As low as 5% |
| New & Used Recreational | 48 mo. | As low as 5% |
| New & Used Recreational | 60 mo. | As low as 5% |
| New & Used Recreational | 72 mo. | As low as 5% |
*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.
Personal Loan Rates (effective January 1, 2020)
All rates given reflect Annual Percentage Rate*
| Type of Loan | Term | Rate |
|---|---|---|
| Signature | Up to 60 mo. | As low as 9.75% |
| Line of Credit | Open | As low as 10.25% |
| Consolidation Loan | 84 mo. | 9.9% |
| Shared Secured | Up to 60 mo. | 2.99% |
| Certificate Secured | Up to 60 mo. | 3.49% |
| Credit Builder | 24 months | 15.9% – 16.9% |
| Dental Credit | Up to 60 mo. | 0% APR for first 6 mo. – 12% APR thereafter – up to 60 mo. |
Visa® Credit Card Rates (effective January 1, 2020)
All rates given reflect Annual Percentage Rate*
| Card Type | Rate |
|---|---|
| Visa Platinum | 9.90% |
| Visa Classic | 11.90% |
| Visa Classic Student | 13.9% |
| Visa Classic Credit Builder | 15.9% – 16.9% |
Home Equity Loans – Variable Rates (Effective January 1, 2020)
Low Introductory Rate for the first 12 months (4.75% variable based on Loan-To-Value) after the Introductory Period*
All rates given reflect Annual Percentage Rate*
| Loan-To-Value | Rate |
|---|---|
| LTV less than or equal to 80% | Prime Rate + .75% |
| LTV 81 – 90% | Prime Rate + 1.50% |
| LTV greater than 90% | Prime Rate + 2.75% |
Home Equity Loans – Fixed Rates (Effective January 1, 2020)
Low Introductory Rate for the first 12 months (4.75% variable based on Loan-To-Value) after the Introductory Period*
All rates given reflect Annual Percentage Rate*
| Term | Rate |
|---|---|
| 60 mo. | 5.00% |
| 120 mo. | 5.25% |
Please contact the credit union for complete guidelines, applicable charges and rates for home equity loans.
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