Loan Rates

Effective January 1, 2013.  Rates subject to change.

Loan interest rates could be as low as 1.99% APR (annual percentage rate) up to 17.95%. The actual rate will depend on your individual credit grade (A-B-C-D-F) and the collateral age / value if considered.

We have adopted "risk-based" pricing in order to become the lender of choice for all our members, by offering the best possible rate based on each individual's credit history / score.  Certain members represent more risk than others.   Less creditworthy members benefit by qualifying for a loan with our Credit Union instead of resorting to higher-cost alternatives such as finance companies.  Members with good credit credit history can qualify for a loan at a competive rate with us so they do not have to turn to other financing sources.

Other factors are involved (disposable income, debt-to-income ratio, unsecured credit, etc.)

Contact the Credit Union for more information

Contact Us

Holiday Schedule

2018 Holidays

Monday, January 1 New Year’s Day

Monday, January 15 Martin Luther King Jr. Day

Monday, February 19 President’s Day

Friday, February 30 Good Friday

Monday, May 28 Memorial Day

Wednesday, July 4 Independence Day

Monday, September 3 Labor Day

Monday, October 8 Columbus Day

Monday, November 12 Veterans Day (observed)

Thursday, November 22 and Friday, November 23 Thanksgiving

Monday, December 24 Christmas Eve

Tuesday, December 25 Christmas Day

SSFCU Tips & News

  • Shared Service Centers
    Your credit union is always close at hand! Visit the Shared Branch locator:  to find a location near you!

  • GO GREEN - BillPayer IS HERE for Online Banking!
    Save Postage, Save Check Writing, Save Trees, Call us to enroll. 1) we set you up, 2) you set up your individual "bills" then, 3) GO! (You must be enrolled in OnLine Banking)
  • Your Online Security
    Beware of Phishing, Vishing, SmSishing, etc. We will never contact you (phone or Email) to ask for your Account #, Social Security #, or Password. Think about it - we already have that info, except your password, of course!
  • Family Friendly
    Your immediate family members are eligible to join SSFCU as members. Includes your spouse, brothers, sisters, children, or grandchildren. If they're good enough for you, they're good enough for us!

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