Loans

Financing: Unlimited
Duration: Normal lending criteria apply.

Turn Your Savings into Opportunity. Need extra cash but don’t want to deplete your savings? With SFCCU’s Share Loan, you can borrow against your savings while still earning interest on your shares.

• Low interest rates
• Easy approval
• Keep your savings intact

Smart Borrowing Starts Here.

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Financing: Up to $300,000
Duration: Normal lending criteria apply.

No Collateral? No Problem. Need funds but don’t have collateral? Our unsecured loans provide the financial support you need without requiring assets as security. Ideal for general expenses, from home renovations to medical bills.

• Quick approval
• Affordable payments
• No collateral required

Apply today and take control of your finances.

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Financing: Up to $1,200,000
Duration: Up to age 60

Make Homeownership a Reality. Looking to buy, build, or renovate? SFCCU’s Mortgage Loan makes your dream home possible with affordable rates and expert guidance.

• Low interest rates
• Flexible terms
• Hassle-free process

Let’s get you home.

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Financing: Up to $1500
Duration: 3 months

When Life Happens, We’ve Got You. Unexpected expenses? SFCCU’s Emergency Help Loan provides quick access to funds when you need them most.

• Fast approval
• No collateral required
• Affordable repayment options

Get help when you need it.

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Financing: Up to $3500
Duration: 6 months

Celebrate Life, Stress-Free. Weekend plans? Unexpected bills? Whatever the reason, our TGIF Loan gives you quick cash so you can enjoy life without the financial worry.

• Fast processing
• No collateral required
• Flexible repayment options

Because you deserve it.

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Financing: Up to $15,000
Duration: 18 months - 24 months

Kick-Start Your Goals Today. Need a financial boost? The Jumpstart Loan helps you take that first step towards achieving your dreams—whether it’s business, education, or a major purchase.

• Quick approval
• Affordable payments
• No collateral required

Start strong.

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Financing: Up to $10,000
Duration: 12 months

Boost Your Buying Power with CWAL. This loan is specifically intended for weddings and special events. However, it can be extended to include other things at the discretion of the loans officer. Our CWAL Loans gives you the financial freedom to get what you need when you need it.

• Easy access to funds
• Flexible repayment terms
• Competitive interest rates

Enjoy more, stress less.

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Financing: Up to $30,000
Duration: 36 months

One Loan, Endless Possibilities. The SFCCU All-Inclusive Loan covers everything you need; from home improvements to travel, education, and more.

• Flexible use
• Competitive rates
• Easy repayment options

One loan, multiple benefits.

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Financing: Up to $300,000
Duration: 10 years

Simplify & Save with a Debt Consolidation Loan. Tired of juggling multiple debts? Combine them into one low monthly payment with SFCCU’s Debt Consolidation Loan and take back control of your finances.

• Second-chance financing
• Flexible repayment
• Low-interest rates

A fresh start is just an application away.

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Financing: Up to 5× your share value (maximum $50,000)
Duration: normal lending criteria apply

Multiply your financial potential with SFCCU. The 5-Star Multiplier Loan empowers you to reach your goals faster with more flexibility and smarter borrowing.

• Higher loan access
• Competitive interest rates
• Flexible repayment options

Multiply your opportunities.

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Financing: Up to 6× your share value (maximum $100,000)
Duration: normal lending criteria apply

Ready to reset your finances? Our 6-Fold Reset Loan is designed to help you rebuild, recover, and regain control.

• Debt recovery support
• Affordable, flexible repayment options
• Step-by-step financial guidance

Start fresh today.

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Financing: Up to 7× your share value (maximum $150,000)
Duration: normal lending criteria apply

Boost your savings and borrowing power. The 7 Share Surge Loan is built for those ready to strengthen their finances while accessing the funds they need.

• Borrow while you save
• Competitive interest rates
• Smart, strategic financial planning

Surge ahead with confidence.

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Financing: Up to $5000
Duration: 1 year

Make the Holidays Merrier. From gifts to festive feasts, our Christmas Package Loan helps you spread holiday cheer without financial stress.

• Easy application
• Affordable repayment
• Funds in time for the season

Celebrate stress-free.

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Financing: Up to $75,000
Duration: Normal lending criteria apply

Secure Your Future, Honor Your Legacy. Build, invest, and leave a lasting impact with SFCCU’s Legacy Loan, designed for long-term financial growth and security.

• Competitive interest rates
• Long-term financial planning
• Tailored to your needs

Plan for tomorrow, today.

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Whether you're buying new or used, our Vehicle Loan offers low rates, flexible terms, and a fast approval process.

Three (3) categories of vehicle loans:

• New vehicles
• Used vehicles
• Antique and Classic

Interest rates, repayment terms, and collateral value will be determined by the age of the vehicle. Maturities are limited to 72 months. Repayment period may vary depending on the expected life and salvage value of the vehicle. For example, older used vehicles typically have repayment periods of less than 60 months, while new vehicles may be financed for as long as 72 months.

• Competitive interest rates
• Easy application process
• Financing for new & used vehicles

Let SFCCU put you in the driver’s seat.

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