Loans
Dividends

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 03/09/2023

Autos 9 Years or Less (Annual Percentage Rate)Autos 10+ Years Old (Annual Percentage Rate)Credit Score
1.95%3.95%825+
3.95%5.95%800-824
4.95%6.95%775-799
5.95%7.95%760-774
7.00%9.00%730-759
8.00%10.00%700-729
9.00%10.00%675-699
10.00%12.00%660-674
11.00%13.00%640-659
13.00%15.00%615-639
15.00%17.00%601-614
17.00%19.00%590-600
19.00%21.00%575-589
21.00%23.00%565-574
23.00%25.00%551-564
25.00%27.00%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%825+
7.50%800-824
8.50%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
24.00%575-589
25.00%565-574
26.00%551-564
27.00%550 and lower

Dividend Rates

Dividend Rate %Annual Percentage Yield
Minimum Balance
Savings Rates
Regular Shares (on balances over $25)0.750%0.752%$25.00
Annual Shares0.750%0.752%X
Christmas Club0.750%0.752%X
Miscellaneous Customizable Savings0.750%0.752%X
Share Certificates
6 Month Certificate2.35%2.371%$500.00
12 Month Certificate4.00%4.060%$500.00
18 Month Certificate3.70%3.752%$500.00
24 Month Certificate3.85%3.906%$500.00
36 Month Certificate3.90%3.957%$500.00
48 Month Certificate4.10%4.163%$500.00
60 Month Certificate4.20%4.267%$500.00
 
Growth Certificate
12 Month Certificate4.00%4.060%$500.00
18 Month Certificate3.70%3.752%$500.00
24 Month Certificate3.85%3.906%$500.00
36 Month Certificate3.90%3.957%$500.00
48 Month Certificate4.10%4.163%$500.00
60 Month Certificate4.20%4.267%$500.00
 
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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