SSFCU provides a convenient and inexpensive source of credit for worthwhile and meaningful purposes.  We do this by returning any earnings to our members through higher dividend rates for share accounts and lower interest rates on loans (Visit the LOAN link for more information).

Basic/Initial Qualification include but not limited to:

  • Be a Member in good standing
  • Fill out a completed Application
  • Present proof of income

Auto Loans

Financing available on new and used vehicles.*

*Loans subject to credit approval. Restrictions may apply.

Secured Loans

Low interest rates with fast processing and convenient financing, these loans are often used for Christmas or vacation expenses, debt consolidation or other unexpected life events, such as medical emergencies.*

*Loans subject to credit approval. Restrictions may apply.

Share Secured Loans

Low interest rates with fast processing and convenient financing. These loans are often used for debt consolidation, medical emergencies, vacations, car repairs, Christmas expenses, and other unexpected events. *

*Loans subject to credit approval. Restrictions may apply.


Your home is likely your largest, most enduring single investment. Whether you’re looking to purchase a new home with a first mortgage, or refinance an existing mortgage, we’ll make the process positive and easy-to-understand.

Loan Rates

Effective November 1, 2017,  rates are subject to change.

Loan interest rates could be as low as 2.99% APR (annual percentage rate) up to 18.00%. 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 history can qualify for a loan at a competitive rate with us so they do not have to turn to other financing sources.

Other factors that may be involved/considered may be:  disposable income, debt-to-income ratio, unsecured credit, etc.

Contact the Credit Union for more information:

Find what you need?

You can apply right now through our easy online loan application process!