Share Secured
Share/Share Certificate Secured Loan
Use the borrowing power of your Sb1 Share or Share Certificate for practically any purpose. Share or Share Certificate Secured Loans are available up to the member's full Sb1 Federal Credit Union Share or Share Certificate balance granted at a rate of 3% above the secured account's Annual Percentage Yield.
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Rates
Unsecured Loans4
Rates effective starting: 5/26/2013
| Product | APR1 | Maximum term |
| Personal Loan | As low as 8.99%2 | 60 months |
| Student Loans (Student Choice) | As low as 6.25%3 | |
| Share Secured | Share Rate +3% | 120 months |
| Certificate Secured | Certificate Rate +3% | 120 months |
| QuickCA$H Line-of-Credit | 12.25% | |
| VISA Platinum Card | 11.88% fixed | |
| VISA Gold Card | 12.96% fixed | |
| VISA Classic Card | 14.88% fixed | |
| VISA Secured Card | 17.90% fixed ($25 Annual Fee) | |
| 1APR = Annual Percentage Rate. 2Members who want to refinance existing loans must borrow an additional $2500 in new money to qualify for current posted rate. 3Prime market index plus a margin. As of July 1, 2011, the Prime index rate used will be 3.25% through September 30th. The margin rate currently ranges between 3.00% and 5.00% depending on the borrower/co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate. 4Rates are subject to change at any time without notice. |
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