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 09/29/2020

Credit ScoreInterest Rate%
800+1.95%
775-7992.95%
760-7743.95%
730-7594.95%
700-7295.95%
675-6997.00%
660-6748.00%
640-6599.00%
615-63910.00%
601-61411.00%
590-60012.00%
551-56417.50%
BELOW 55019.00% 

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

Credit ScoreInterest Rate%
800+3.95%
775-7994.95%
760-7745.95%
730-7596.95%
700-7297.95%
675-6999.00%
660-67410.00%
640-65911.00%
615-63912.00%
601-61413.00%
590-60014.00%
575-58915.00%
565-57418.00%
551-56419.50%
BELOW 55021.00% 
Dividend Rate %Annual Percentage Yield
Minimum Balance
Savings Rates
Regular Shares (on balances over $25)0.30%0.300%$25.00
Annual Shares0.40%0.401%X
Christmas Club0.50%0.501%X
Miscellaneous Customizable Savings0.30%0.300%X
Share Certificates
6 Month Certificate0.40%0.401%$500.00
12 Month Certificate0.50%0.501%$500.00
18 Month Certificate0.55%0.551%$500.00
24 Month Certificate0.65%0.652%$500.00
36 Month Certificate0.80%0.802%$500.00
48 Month Certificate0.90%0.903%$500.00
60 Month Certificate1.25%1.256%$500.00
IRA/HSA Accounts
Traditional IRA Shares1.00%1.004%$5.00
Roth IRA Accounts1.00%1.004%$5.00
Health Savings Accounts1.00%1.004%X