Loan Rates

All rates based on credit experience and subject to change without notice.  Rates listed are the lowest available rates at SMART Federal Credit Union.

Home Equity Line of Credit (HELOC) loans are variable.  Rates are determined by LTV and based on the value of an index.
See HELOC Disclosure under “About Us” tab or call the Credit Union to speak with a loan officer.

LTV= Loan to Value

APR – Annual Percentage Rate  APY – Annual Percentage Yield
* = Some restrictions do apply. Rates subject to change without notice. Call Credit Union for details.

Rates Effective September 1, 2017

New / Used Auto Rates

 A+ABCDE
750+749-700699-670669-640639-610609 or Less
Up to 66 Months2.65%2.65%3.65%4.65%9.49%15.99%
67 to 84 Months3.49%3.99%4.99%5.99%10.99%15.99%

Recreational / Collateral Rates (Motorcycle, RV, Boat, Camper, ATV)

 A+ABCDE
750+749-700699-670669-640639-610609 or Less
Up to 120 Months5.75%6.75%8.75%12.75%15.75%18.00%

Personal Loans

Available in Amounts $500 - $15,000
 A+ABCDE
750+749-700699-670669-640639-610609 or Less
Up to 60 Months7.75%9.75%12.75%16.75%18.00%18.00%

Share Secured (Savings)

 A+ABCDE
750+749-700699-670669-640639-610609 or Less
Up to 120 Months3.00%3.00%3.00%3.00%3.00%3.00%

Certificate Secured (CD)

 A+ABCDE
750+749-700699-670669-640639-610609 or Less
Up to 120 Months4.00%4.00%4.00%4.00%4.00%4.00%

Visa Credit Cards

 A+ABCDE
750+749-700699-670669-640639-610609 or Less
Revolving Line6.80%6.80%9.80%13.80%17.80%17.80%

Home Equity Line of Credit

 A+ABCDE
750+749-700699-670669-640639-610609 or Less
Borrow up to 80% LTV4.09%4.09%5.09%6.09%8.09%8.09%
Borrow up to 85% LTV5.09%5.09%6.09%7.09%N/AN/A
Borrow up to 90% LTV6.09%6.09%7.09%N/AN/AN/A