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Personal Loan Rates & Terms

Effective February 21, 2024 and subject to change.
View a printable PDF.

SDCCU personal loans can help you cover unexpected expenses like car repairs, medical bills, vacations or whatever else you may need.

Loan Rates and Terms

Loan Type
Annual Percentage Rate (APR)
Term
Rate Type
Signature:15.50%Up to 60 monthsFixed

Certificate Secured1:

($25,000 or more)

Dividend Rate + 2.00%Up to Maturity DateFixed

Certificate Secured1:

(less than $25,000)

Dividend Rate + 3.00%Up to Maturity DateFixed
Share Secured:5.00%Up to 60 monthsFixed

Certificate rates may vary based on the dividend rates. All loans are subject to approval. 60 monthly payments of $24.22 per $1,000.00 borrowed at 15.50% for Signature Loans. 60 monthly payments of $18.92 per $1,000.00 borrowed at 5.00% for Share Secured Loans. Minimum monthly payments apply. 

1For Certificate Secured Loans, the entire remaining unpaid balance shall be due and payable upon the maturity of the certificate account. 

Learn More About SDCCU Loans

Check out more loans and financial resources.

Personal Loans

Cover unexpected expenses with a SDCCU personal loan.

Explore Personal Loans

Home Loans

Learn more about our home loan programs.

Explore Home Loans

Auto Loans

Check out low-rate auto loans available at SDCCU.

Explore Auto Loans

Home Equity Loans & Lines

Using the value of your home couldn't be easier or more affordable.

Explore Home Equity Loans & Lines

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