Loan Rates

Rates are current as of April 3, 2017


Consumer Loans, Collateralized and Unsecured 

Loan Type Rate / Annual Percentage Rate (APR)
Signature & Personal Line-of-Credit 8.25% to 18%
VISA Classic® 8.25% to 18%
VISA Rewards 9.90% to 18%
New or Used Vehicles* 2.49% to 18%
1 Year Adjustable Consumer Loan* 1.74% to 18%
Snowmobiles, Personal Watercrafts, etc. * 5.24% to 18%

* OAC. The rates above are the lowest and highest possible rates available to qualified borrowers. The lowest rate shown includes 1/4% discount for automatic payment from your SFCU savings or checking account and another 1/4% off for additional services.


Fixed Rate Long Term Real Estate and Manufactured Homes 

Loan Type Rate/Annual Percentage Rate (APR)
Fixed Rate Real Estate (1st position) Call for Rates
Home Equity Line-of Credit Call for Rates
Owner Occupied (2nd position) Call for Rates
Non-Owner Occupied (1st position) Call for Rates
Undeveloped Land Call for Rates
Manufactured Home - Res. New Call for Rates
Manufactured Home - Res. Used Call for Rates
Our Rates Subject to Change
This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, Term Share, IRA and Certificate Accounts at Spokane Federal Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

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Routing Number: 325182629