RATES

We Will Match & Even Beat Other Rates!

HOW DOES IT WORK?
Simple.  If you get offered a better rate somewhere else, give us a call and we will look at being able to match and even beat that rate.  This applies to LOANS for Vehicles, Signature Loans, Boats, RV’s, and Home Equities.  We do have to make sure we are matching apples to apples, and verify the stipulations first. 

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New Vehicle Loans

Year Term APR (As low as) (2)
2022-2023* 0-36 MONTHS 6.99%
2022-2023* 37-48 MONTHS 7.24%
2022-2023* 49-60 MONTHS 7.49%
2022-2023* 61-66 MONTHS 7.74%
2022-2023* 67-72 MONTHS 7.99%
2022-2023* 73-84 MONTHS 8.24%

*2023 models qualify for new car rates if the mileage is less than 10,000.

Used Vehicle Loans

Year Term APR (As low as) (2)
2014-2022** 0-36 MONTHS 7.24%
2014-2022** 37-48 MONTHS 7.49%
2014-2022** 49-60 MONTHS 7.74%
2014-2022** 61-66 MONTHS 7.99%
2014-2022** 67-72 MONTHS 8.24%
2013 and Older** UP TO 48 MONTHS 9.09%

*2023 models qualify for used  car rates if mileage is more than 10,000.

**Vehicles older than 2019 may qualify for a higher rate.

Motorcycles
(Licensed & Registered)

Year Term APR (As low as) (2)
2014-2023* 0-36 MONTHS 6.99%
2014-2023* 37-48 MONTHS 7.24%
2014-2023* 49-60 MONTHS 7.49%
2014-2023* 61-66 MONTHS 7.99%
2014-2023* 67-72 MONTHS 8.24%
2014-2023* 73-84 MONTHS 8.49%
10+ Years UP TO 48 MONTHS 10.09%

**Vehicles older than 2019 may qualify for a higher rate.

Recreational Vehicles
(Boats, RVs, ATV, Motor Home)

Year Term APR (As low as) (2)
2014-2023* 0-36 MONTHS 7.50%
2014-2023* 37-48 MONTHS 8.25%
2014-2023* 49-60 MONTHS 8.25%
2014-2023* 61-66 MONTHS 8.75%
2014-2023* 67-72 MONTHS 8.75%
2014-2023* 73-84 MONTHS 8.75%
10+ YEARS UP TO 48 MONTHS 11.09%

**Vehicles older than 2019 may qualify for a higher rate.

Signature Loans

LOAN TYPE TERM APR (As low as) (3)
PERSONAL LOAN UP TO 60 MONTHS 10.49%
PERSONAL LINE OF CREDIT 36 MONTH REVOLVING 13.49%
CREDIT CARD REVOLVING 9.90%
SUPERIOR CHOICE LOAN 24 MONTH REVOLVING 18.00%
SHARE SECURED VARIES 1.5% above last paid share savings rate
CERTIFICATE SECURED VARIES 1.5% above last paid share certificate rate

Home Loans

LOAN TYPE TERM APR (As low as) (3)
HE (80% LTV) 0-60 MONTHS 7.24%
HE (80% LTV) 61-120 MONTHS 7.74%
HE (80% LTV) 121-180 MONTHS 8.49%
HE (80% LTV) 181-240 MONTHS 8.99%
HOME EQUITY LOC VARIABLE 8.50% (5)

Real Estate must be 1-4 family residence located in PA, NJ, 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, DREAM CLUB $0 earn on first $15,000 .5% .5%
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 .20% .20%
IRA($5001 & up) $0 $5001 .25% .25%

Money Market

ACCOUNT TYPE RANGE DIVIDEND APY (1)
0 - $1,999.99 0.10% 0.10%
$2,000 - $24,999 0.75% 0.75%
$25,000 – $49,999 1.00% 1.00%
$50,000 - $99,999 2.25% 2.27%
$100,000 & UP 2.50% 2.52%

Business Money Market

ACCOUNT TYPE RANGE DIVIDEND APY (1)
0 - $1,999.99 0.10% 0.10%
$2,000 - $25,000 0.125% 0.125%
$25,001 – $250,000 0.15% 0.15%
$250,001 AND UP 0.2% 0.2%

Share Certificates
(CD)

TERM OPEN MINIMUM EARN MINIMUM DIVIDEND APY(1)
6 MONTH $500 $500 3.00% 3.03%
12 MONTH $500 $500 4.25% 4.32%
24 MONTH $500 $500 4.00% 4.06%
36 MONTH $500 $500 3.75% 3.80%
60 MONTH $500 $500 3.50% 3.55%

DISCLOSURES
All loan final terms are determined by a Performance 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 the 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 $18.31."
5. “Rates my vary and adjust quarterly based on Wall Street Journal Prime Rate (Index) Maximum lifetime interest rate will not exceed 18% APR.”
6. Superior pulls Transunion FICO 9 as the credit bureau to decide rates. This may be subject to change.
*Rates are not guaranteed and are subject to change at any time.  The SCU Board of Directors reviews savings and loan rates on a regular basis and makes changes where necessary.
*Please contact us for current disclosures on account terms, conditions and fees.

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