Loan Rates

Service Plus CU offers tiered lending rates based on your individual credit bureau Fair Isaacs Score. The credit bureau Fair Isaacs model is a nationally known and used predictive scorecard that assesses credit risk based on your credit history. While it is not used to make loan decisions, the scoring model is used to determine the interest rate when your loan is approved.

SECURED LOANS

New and Used Autos, Classic Autos.
Credit Tier	24 Months	36 Months	48 Months	60 Months	72 Months	84+ Months	Calculate Payments	Apply for a Loan

RVs, Travel Trailers, New/Used Motorcycles, Motorized Watercraft, Boats, ATVs, Dirt Bikes, Trailers, Computers and Big Ticket Items.
Credit Tier	24 Months	60 Months	84 Months	120 Months	180 Months	240 Months	Calculate Payments	Apply for a Loan

SAVINGS SECURED LOANS*

Regular Share Secured:	Calculate Payments	Apply for a Loan

Share Certificate Secured:

*Maximum loan is 100% of balance with monthly, fully amortized payments.

SIGNATURE LOANS AND LINE OF CREDIT LOANS

Signature, Line of Credit
Credit Tier	12 Months	24 Months	36 Months	48 Months	60 Months	Calculate Payments	Apply for a Loan

VISA LOANS

Credit Tier	VISA Card Type	Annual Percentage Rate	Annual Fee	Calculate Payments	Apply for a Loan

There is no VISA cash advance fee.

*VISA Prime Platinum is a variable-rate credit card which is indexed to the Prime Rate plus 0%. The rate can change quarterly, with a minimum rate of 7%.

HOME EQUITY LINE OF CREDIT

Credit
Tier Current Rate
80%
Loan to Value
Calculate Payments Apply for a Loan

No points, processing or credit report fees on loans up to $125,000. The maximum rate is 16% and the minimum rate is 3.50%, regardless of the Prime Rate in effect. Maximum term of 15 years, and a draw period of 7 years. Other rates may be available depending on your equity.

FIXED RATE HOME EQUITY LOAN
Please call the credit union at (951) 680-1998 for today's fixed rate.

ADDITIONAL INFORMATION:

A .25% premium will be added to the loan rate if you do not agree to make the payments electronically, either through the Automated Clearing House (ACH) system, payroll deduction, or share transfer (except VISA and real estate loans).