Succeed

SF Fire Credit Union’s low rates and minimal or non-existent fees help our members and community thrive and reach their goals.

Current Rates

Rates subject to change at any time without notice.

Signature Loan Rates

Rate shown is annual percentage rate (APR) and subject to change without notice.

Payment Example: A $5,000 personal loan with a rate of 10.74% for 48 months has a monthly payment of approximately $465. Total finance charge is approximately $1156.53. Other terms & rates available.

Rates and conditions are subject to change without notice. Special terms and conditions apply. Minimum loan amount is $500.00. Maximum loan amount is $20,000.

Term Rate
1 to 12 Months 10.74%
13 to 24 Months 10.99%
25 to 36 Months 11.24%
37 to 48 Months 11.49%

Holiday Loan Rates

APR = Annual Percentage Rate based on credit worthiness.

The maximum aggregate unsecured credit limit is $50,000 per member.

Limit Term APR
Min. $500 – Max $10,000 up to 12 Months 8.74% – 13.74%

Secured Loan Rates

Secured (Savings or Certificate) Loans

Shares Secured Loan Payment Example: Share rate plus 3.00%. Loan amount of $3,000 at 3.10% APR for 60 months has a payment of $55.

Certificate Pledged Loan Payment Example: Certificate rate plus 3.00%. Loan amount of $3,000 at 4.05% APR for 60 months has a payment of $56.

Type Term APR
Savings Secured (100% of pledged account(s)) up to 60 Months Share rate + 3.00%
Certificate Secured (100% of pledged account(s)) term of certificate Certificate rate + 3.00%

Solar Panel Loan Rates

Solar Panel Loans

A signed contract for solar panel purchase is needed prior to loan funding.

This loan program is for single-family homes and the borrower must live in the property.

In addition to the above conditions, the following are required with regard to a contractor being used for any loan over $25,000:
  • Valid B (General Contractor) or C-46 (Solar) or C10 (Electrical) license
  • 5 years contracting experience
  • Better Business Bureau positive rating
  • Valid liability insurance document
  • Valid Workers Comp insurance document

Payment Example: Loan amount of $50,000 at 6.49% APR for 60 months has a payment of $978.07. Other terms and rates offered.

Limit Term APR
Minimum amount: $5,000 up to 60 Months 6.99% – 8.99%
Minimum amount: $10,000 61-84 Months 6.99% – 8.99%
Minimum amount: $15,000 85-120 Months 6.99% – 8.99%
Minimum amount: $20,000 121-180 Months 7.99% – 9.99%
Minimum amount: $25,000 181-240 Months 8.99% – 10.99%

Pre K-12 Tuition Loans

All loans subject to credit, income verification and debt qualification. Rates subject to change at any time.

Payment Example: Loan amount of $6,000 at 7.24% APR for 12 months has a payment of $520. Other terms & rates available.

Term APR
Up to 24 Months 6.99%