ONLINE BANKING

Log In Here Need an Account? Click Here

triangle

SPFCU Rates

New and Used Vehicles

Last Updated: 12/2/2016

 

New and Used Vehicles

Model Year 2010 and Newer

Autos, SUVs, Trucks

Terms and conditions apply. Contact Sierra Pacific FCU for details.

Terms APR*
36 Months 1.99% +
48 Months 2.49% +
60 Months 2.49% +
72 Months 2.89% +
84 Months 3.49% +

*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice. 

Used Vehicles

Model Year 2009 and Older

Autos, SUVs, Trucks

Terms and conditions apply. Contact Sierra Pacific FCU for details.

Terms APR*
36 Months 2.49% +
48 Months 2.99% +
60 Months 2.99% +
72 Months 3.39% +
84 Months 3.99% +

*Rates stated as annual percentage rate (APR).  Rates assigned to individual loans will vary depending on loan type, collateral, applicant financial status and credit history.  Additional lending policies may apply.  Rates are subject to change without notice.  

 

Commercial Vehicles

Contact Sierra Pacific for current rates and terms

Rec. Vehicles

Last Updated: 12/2/2016

Recreational Vehicles

Additional terms and conditions apply. Contact Sierra Pacific for details.

Type APR* Terms Conditions
Motor Homes
-New
4.49% + 48-144 Months 85% lesser of MSRP or Purchase Price & Taxes
Motor Homes
-Used
4.74% + 48-144 Months 80% lesser of Low Average Retail or Purchase Price. Taxes Excluded.

Boats

-New

4.49% + 48-84 Months 85% lesser of MSRP or Purchase Price & Taxes

Boats

-Used

4.74% + 48-84 Months 80% lesser of Low Average Retail or Purchase Price. Taxes Excluded.

Motorcycles

New & Used

4.49% +   48-60 Months 85% lesser of MSRP or Purchase Price & Taxes

Classic Cars

    Call Sierra Pacific for current Rates and Terms

*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice. 

Personal Loans

Last Updated: 12/2/2016
Type APR* Terms Conditions
Overdraft Line of Credit 13.00% Open-End Up to $2,500.
Visa 8.49% + Open-End See visa disclosure for terms and conditions
Personal/Unsecured

9.99% +

Up to 60 Months From $500 to $10,000
Terms Vary by Amount
       
Share Secured Regular share rate plus 3% Up to 36 Months Instant Approval
Shares are pledged
(Cannot be withdrawn)
Share Secured Regular share rate plus 4% 37-120  Months  

Business Loan Products Offered

Call Credit Union For Details

 

Savings/Investments

Last Updated: 12/2/2016
Type Rate APY* Conditions
Regular Shares 0.1480% 0.1480% .01&up)
Regular Shares 0.1810% 0.1810% (10k&up)
Auxiliary 0.1480% 0.1480%  
Share Draft 0.1000% 0.1000%  (500+)
IRA 0.2800% 0.2800% (100-9999k)
IRA 0.3500% 0.3490% (10k & up)
Money Market 0.2330% 0.2330% (10k & up)
Money Market 0.3020% 0.3020% (25k & up)
Money Market 0.4000% 0.3999% (170k & up)
Certificates Call CU for current rates


Savings/Investments

 
Regular share desposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividen was earned.

Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.

Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.

Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.


*Annual Percentage Yield

 

Rates are subject to change and may change once the account has been opened. 

 

The rates listed are accurate as of the date specified above.

 

Home/Mortgage

Last Updated: 12/2/2016
Type APR* Terms Conditions
Home Equity Lines of Credit Call for current Rates Up to 240
Months

Variable Rate Loan

Business Home Equity Line Of Credit Call for Current Rates and Terms    
First Mortgages Call For Current Rates
 
 
Unimproved Land Call for Terms and Conditions