Secured Loans

Secured loans are loans that are secured with collateral. Collateral acceptable by San Juan Credit Union is: New/used autos & trucks, all terrain vehicles (atvs), motorcycles, uhv’s, motor homes, camp trailers, campers, tractors, horse trailers, boats, snow mobiles and share secured.

Effective as of 06/13/2024 | Rates may vary and are subject to change at any time

Autos 9 Years or Less (Annual Percentage Rate)Autos 10+ Years Old (Annual Percentage Rate)Credit Score
5.95%7.95%825+
7.95%9.95%800-824
8.95%10.95%775-799
9.95%11.95%760-774
11.00%13.00%730-759
12.00%14.00%700-729
13.00%15.00%675-699
14.00%16.00%660-674
15.00%17.00%640-659
17.00%19.00%615-639
19.00%21.00%601-614
21.00%23.00%590-600
24.00%26.00%575-589
25.00%27.00%575 and lower

Share Secured Loans

All loans fully secured by savings shares regardless of credit score (IRAs excluded) have an interest rate of 1.95%

Unsecured Loans

Annual Percentage RateCredit Score
9.95%825+
11.95%800-824
12.95%775-799
13.95%760-774
15.00%730-759
16.00%700-729
17.00%675-699
18.00%660-674
19.00%640-659
21.00%615-639
23.00%601-614
25.00%590-600
28.00%590 and lower
Dividend Rate %Annual Percentage Yield
Minimum Balance
Savings Rates
Regular Shares (on balances over $25)0.500%0.501%$25.00
Annual Shares0.750%0.752%X
Christmas Club0.750%0.752%X
Miscellaneous Customizable Savings0.500%0.501%X
Share Certificates
6 Month Certificate5.00%5.095%$500.00
12 Month Certificate4.75%4.835%$500.00
18 Month Certificate4.60%4.680%$500.00
24 Month Certificate3.75%3.803%$500.00
36 Month Certificate3.80%3.854%$500.00
48 Month Certificate4.00%4.060%$500.00
60 Month Certificate4.10%4.163%$500.00
 
Growth Certificate
12 Month Certificate4.75%4.835%$500.00
24 Month Certificate3.75%3.803%$500.00
36 Month Certificate3.80%3.854%$500.00
48 Month Certificate4.00%4.060%$500.00
60 Month Certificate4.10%4.163%$500.00
 
IRA/HSA Accounts
Traditional IRA Shares2.00%2.015%$5.00
Roth IRA Accounts2.00%2.015%$5.00
Health Savings Accounts2.00%2.015%X

 

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