Rates

Superior only works hard at making sure members get the best bang for their buck!

Think otherwise?…Shop around and you’ll see that we are the best in the area!

-Rates Effective as of April 2017-

NEW VEHICLE LOANS   USED VEHICLE LOANS
YEAR TERM APR (AS LOW AS) (2)   YEAR TERM APR (AS LOW AS) (2)
2017-2018* 0-36 MONTHS 1.99%   2008-2016** 0-36 MONTHS 1.99%
2017-2018* 37-48 MONTHS 2.39%   2008-2016** 37-48 MONTHS 2.69%
2017-2018* 49-60 MONTHS 2.49%   2008-2016** 49-60 MONTHS 2.99%
2017-2018* 61-66 MONTHS 2.74%   2008-2016** 61-66 MONTHS 3.49%
2017-2018* 67-72 MONTHS 2.89%   2008-2016** 67-72 MONTHS 3.49%
2017-2018* 73-84 MONTHS 4.25%        
        10+ YEARS UP TO 48 MONTHS 8.99%

*2016 models qualify for new car rates if the mileage is less than 10,000.

**2016 models qualify for used  car rates if mileage is more then 10,000.


MOTORCYCLES

LICENCED AND REGISTERED

 

MOTORCYCLES (OFF ROAD),

BOATS, RV’S, ATV’S AND MOBILE HOMES

YEAR TERM APR (AS LOW AS) (2)   YEAR TERM APR (AS LOW AS) (2)
2008-2018* 0-36 MONTHS 2.99%   2008-2018* 0-36 MONTHS 4.99%
2008-2018* 37-48 MONTHS 3.39%   2008-2018* 37-48 MONTHS 5.39%
2008-2018* 49-60 MONTHS 3.49%   2008-2018* 49-60 MONTHS 5.49%
2008-2018* 61-66 MONTHS 3.74%   2008-2018* 61-66 MONTHS 5.74%
2008-2018* 67-72 MONTHS 3.89%   2008-2018* 67-72 MONTHS 5.89%
2008-2018* 73-84 MONTHS 5.25%   2008-2018* 73-84 MONTHS* 7.25%
 10+ YEARS  UP TO 48 MONTHS  9.99%   10+ YEARS UP TO 48 MONTHS 11.99%

*2016 models qualiiy for new car rates if the mileage is less than 10,000.

 
LOAN TYPE TERM APR (AS LOW AS)   (3)
PERSONAL LOAN UP TO 60 MONTHS 8.99%
PERSONAL LINE OF CREDIT 36 MONTH REVOLVING 12%
CREDIT CARD REVOLVING 9.90%
SUPERIOR CHOICE LOAN 24 MONTH REVOLVING 18.00%
PET LOAN UP TO 60 MONTHS 5%
SHARE SECURED VARIES 1.5% above last paid share savings rate
CERTIFICATE SECURED VARIES 1.5% above last paid share certificate rate
LOAN TYPE TERM APR (AS LOW AS)   (3)
 HE (80% LTV) 0-60 MONTHS 3.75% (4)
 HE (80% LTV) 61-120 MONTHS 4.25%
 HE (80% LTV) 121-180 MONTHS 4.99%
 HE (80% LTV) 181-240 MONTHS 5.99%
HOME EQUITY LOC  VARIALBE 4.00% VARIABLE RATE (5)
Real Estate must be primary residence of member and must be located in PA, NJ, or DE.
SHARE SAVINGS & CHECKING
Account type OPEN MINIMUM EARN MINIMUM DIVIDEND APY(1)
Share Savings $5 $25 .10% .10%
PET Savings $5 earn on first $500 .5% .5%
Holiday Club $0 $5 .15% .15%
Vacation, Travel $0 $5 .15% .15%
Escrow $0 $5 .15% .15%
Checking $0 earn on first $500 .5% .5%

IRA
ACCOUNT TYPE OPEN MINIMUM EARN MINIMUM DIVIDEND APY(1)
IRA($51-$5000) $0 $51 .25% .25%
IRA($5001 & up) $0 $5001 .30% .30%

MONEY MARKET
ACCOUNT TYPE RANGE DIVIDEND APY(1)
 $2,000 – $24,999  .15%  .15%
 $25,000 – $74,999  .20%  .20%
 $75,000 % UP  .25%  .25%
SHARE CERTIFICATES 
TERM OPEN MINIMUM EARN MINIMUM DIVIDEND APY(1)
 6month $500 $500 .30%  .30%
 9month $500 $500 .35%  .35%
 12month $500 $500 .40%  .40%
 24month $500 $500 .70%  .70%
18month~ $500 $500 .65%  .65%
 36month* $500 $500 1.00%  1.00%
 60month $500 $500 1.50% 1.50%
~18month CD requires draft account with direct deposit
*36month CD is a step-up & rate can be stepped up one time over the course of the term with no fees and no penalities.

DISCLOSURES

All loan final terms determined by Performanced Based Scoring System.  Final rates are based on credit scores and are a determining factor in the approval/denial of your loan application

1. APY – Annual Percentage Yield

2. APR – Annual Percentage Rate.  Actual APR may vary according to payment method and any late payments made on the loan.  All rates and terms are subject to change without notice.

3. Conditions apply. Please contact credit union to review all conditions and stipulations

4.  “Monthly payments for each $1,000 borrowed at 3.75% APR for 60 months would be $18.30

5. “Rates my vary and adjust quarterly based on Wall Street Journal Prime Rate (Index) Maximum lifetime interest rate will not exceed 18% APR.”

Rates are not guaranteed and are subject to change at any time.  The SCU Board of Directors review saving and loan rates on a regular basis and make changes where necessary.

Please contact us for current disclosures on account terms, conditions and fees.