Loan Services
Credit Cards Vehicle Loans Signature Line of Credit Home Loans Home Equity Loans	Loan Application Credit Card Application

Credit Cards

SCFCU offers Visa Platinum and Visa Platinum Preferred. Visa is accepted around the world and can be used to access cash at ATMs and financial institutions. Our cards feature low rates, no annual fee, 25-day grace period on purchases. Also, at no cost $1,000,000 of travel accident insurance when you charge your common carrier (airline, bus, train, etc.) tickets to your Visa.

Credit Card Application

VISA Platinum Preferred Benefits 6.9% APR for the first 6 months, 8.9% after* $1,000,000 travel insurance Credit limits up to $20,000 ScoreCard Bonus Points - receive points for purchases and redeem them for great rewards! Concierge Service - dining, performance & special event referrals & reservations

*6.9% APR applies to balance transfers from other financial institutions and new purchases only.

Vehicle Loans

Along with exceptional low rates, you'll enjoy flexible terms, with up to 100% financing available. Our approvals are fast. There's no prepayment penalty. Plus we offer easy repayment methods such as payroll deductions and automatic transfers. To make buying and financing even easier, select auto dealerships now offer SCFCU financing right at the dealer.

Loan Rates
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Signature Line of Credit (LOC)

A line of credit is a revolving credit line featuring flexible terms and the convenience to access funds when you need them, which means you only pay interest on the money you actually borrow. Once your credit line is established, you can access it whenever you want. And as you pay down your balance, those funds become available again and again, up to your credit limit. To access is easy; use special loan checks, call Shell-Tel 24 and transfer money from your LOC to your checking account or just call a loan officer.

Loan Rates
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Home Loans

Our experienced loan officers are committed to helping locate the right loan for you. We offer competitive fixed or adjustable rate mortgage loans that feature a flexible choice of terms.

Home Equity Loans

Using the equity in your home is a popular way to access extra cash for such things as home improvement, bill consolidation, or any other purpose. Our home equity lines offer competitive rates and flexible terms. As another advantage to a SCFCU home equity loan, there are no closing costs on selective plans. You can borrow up to 90% of the appraised value of your home, less what you owe.

Here's an example:

Appraised value	$75,000
Times 90%	x 90
Subtotal	67,500
Less mortgage	- $40,000
Maximum loan amount	$27,500