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.

Rates effective 08/11/2022

Autos 9 Years or Less (Annual Percentage Rate)Autos 10+ Years Old (Annual Percentage Rate)Credit Score
1.95%3.95%800+
2.95%4.95%775-799
3.95%5.95%760-774
4.95%6.95%730-759
5.95%7.95%700-729
7.00%9.00%675-699
8.00%10.00%660-674
9.00%11.00%640-659
10.00%12.00%615-639
11.00%13.00%601-614
13.00%15.00%590-600
15.00%17.00%575-589
17.00%19.00%565-574
19.00%21.00%551-564
21.50%23.50%550 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
5.50%800+
7.50%775-799
9.50%760-774
11.50%730-759
13.50%700-729
15.50%675-699
17.50%660-674
19.50%640-659
20.50%615-639
21.50%601-614
23.50%590-600
23.50%575-589
23.50%565-574
23.50%551-564
23.50%550 and lower
Dividend Rate %Annual Percentage Yield
Minimum Balance
Savings Rates
Regular Shares (on balances over $25)0.15%0.150%$25.00
Annual Shares0.20%0.200%X
Christmas Club0.25%0.250%X
Miscellaneous Customizable Savings0.15%0.150%X
Share Certificates
6 Month Certificate2.35%2.371%$500.00
12 Month Certificate4.00%4.060%$500.00
18 Month Certificate3.35%3.392%$500.00
24 Month Certificate3.35%3.392%$500.00
36 Month Certificate3.55%3.598%$500.00
48 Month Certificate3.55%3.598%$500.00
60 Month Certificate4.10%4.163%$500.00
CU Wealth BuilderSame as Share CertificateSame as Share Certificate$10.00
IRA/HSA Accounts
Traditional IRA Shares1.25%1.256%$5.00
Roth IRA Accounts1.25%1.256%$5.00
Health Savings Accounts1.25%1.256%X

 

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