The right rate can influence how you borrow, save, and plan for the future. SRFFCU offers competitive rates designed to support life’s major financial decisions, helping members compare their options with confidence
All rates listed on this page are valid as of October 16, 2026 and are subject to change without notice.
Fixed rate mortgages
| Fixed Rate | Refinance / Purchase Type | Term | Rate | APR1 | Monthly Payment |
|---|---|---|---|---|
| 0% origination | 10 Year | As low as 5.750% | As low as 6.126% | $2,744.24 |
| 0% origination | 15 Year | As low as 6.250% | As low as 6.519% | $2,143.56 |
| 0% origination | 20 Year | As low as 6.375% | As low as 6.590% | $1,845.59 |
| 0% origination | 30 Year | As low as 6.500% | As low as 6.664% | $1,580.18 |
Fixed Rate Mortgages
1APR = Annual Percentage Rate. Rates, points, and APRs are subject to change without notice and may vary based on creditworthiness, loan amount, loan term, occupancy, property type, loan-to-value ratio, documentation type, and other underwriting factors. Loans are subject to approval criteria. Not all applicants will qualify for the advertised rate, and your APR may be higher than the rate shown. Advertised mortgage APRs are based on a $250,000 loan. Payments shown do not include taxes and insurance; actual payment obligations may be greater. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Jumbo mortgage financing is available for loan amounts over $832,750. Advertised 15, 20, and 30-year fixed mortgage rates do not apply to Jumbo Mortgage loans.
Adjustable Rate Mortgages
1APR = Annual Percentage Rate. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan term, collateral, occupancy, and other factors. Adjustable-rate mortgages may increase or decrease in accordance with the terms of the loan. Loans are subject to approval criteria. Not all applicants will qualify for the lowest advertised rate, and your APR may vary from the rate shown. Advertised mortgage APRs are based on a $250,000 loan. Payments do not include taxes and insurance; actual payment obligations may be greater. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Jumbo mortgage financing is available for loan amounts over $832,750. Advertised 15, 20, and 30-year fixed mortgage rates do not apply to Jumbo Mortgage loans.
Adjustable rate mortgages
| Adjustable Rate Mortgages Type | Term | Rate | APR1 | Monthly Payment |
|---|---|---|---|---|
| 3 / 3 Year – 0% origination | 30 Year | As low as 5.625% | As low as 5.781% | $1,439.15 |
| 5 / 5 Year – 0% origination | 30 Year | As low as 6.000% | As low as 6.159% | $1,498.88 |
| 7 / 7 Year – 0% origination | 30 Year | As low as 6.250% | As low as 6.412% | $1,539.30 |
Fixed Rate Mortgages
1APR = Annual Percentage Rate. Rates, points, and APRs are subject to change without notice and may vary based on creditworthiness, loan amount, loan term, occupancy, property type, loan-to-value ratio, documentation type, and other underwriting factors. Loans are subject to approval criteria. Not all applicants will qualify for the advertised rate, and your APR may be higher than the rate shown. Advertised mortgage APRs are based on a $250,000 loan. Payments shown do not include taxes and insurance; actual payment obligations may be greater. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Jumbo mortgage financing is available for loan amounts over $832,750. Advertised 15, 20, and 30-year fixed mortgage rates do not apply to Jumbo Mortgage loans.
Adjustable Rate Mortgages
1APR = Annual Percentage Rate. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan term, collateral, occupancy, and other factors. Adjustable-rate mortgages may increase or decrease in accordance with the terms of the loan. Loans are subject to approval criteria. Not all applicants will qualify for the lowest advertised rate, and your APR may vary from the rate shown. Advertised mortgage APRs are based on a $250,000 loan. Payments do not include taxes and insurance; actual payment obligations may be greater. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Jumbo mortgage financing is available for loan amounts over $832,750. Advertised 15, 20, and 30-year fixed mortgage rates do not apply to Jumbo Mortgage loans.
Commercial loans
| Max LTV | Fixed Term | Loan Rate | Max Amort. |
|---|---|---|---|
| 75% Refi., Cashout or Purch. | 5/5/10 Year Balloon | from 6.400% | 30 years |
| 75% Refi., Cashout or Purch. | 6 Year Balloon | from 6.400% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year Balloon | from 6.750% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year Fixed | from 6.000% | 12 years |
All rates, programs, conditions, and services are subject to change without notice. Commercial loans are available from $100,000 and up to 75% Loan-to-Value (LTV). Loans are subject to approval criteria, and not all applicants will qualify. Commercial loans are risk-rated, and the final interest rate will be based on factors including creditworthiness, loan-to-value ratio, collateral, cash flow, and other underwriting considerations. Rates shown are interest rates. Not all borrowers will qualify for the advertised rate, and the rate received may vary from the rate shown. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions. See the Business Membership Agreement and Account Disclosure for complete details.
Home equity options
| Type | Terms | Rate |
|---|---|---|
| Home Equity Loan | 5, 10, and 15 years | As low as 6.00% |
| HELOC | 10-year draw, 15-year repay period | As low as 6.25% |
| Non-SRFFCU First Mortgage | 5-year draw, 20-year repay period | As low as 6.25% |
New
Finance up to 120% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 5.14% |
| 49 to 66 Months | As low as 5.24% |
| 67 to 75 Months | As low as 5.44% |
| 76 to 84 Months | As low as 5.89% |
2022-2026
Finance up to 115% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 5.14% |
| 49 to 66 Months | As low as 5.24% |
| 67 to 75 Months | As low as 5.44% |
| 76 to 84 Months | As low as 5.84% |
2019-2021
Finance up to 110% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 5.79% |
| 49 to 66 Months | As low as 5.99% |
| 67 to 75 Months | As low as 6.36% |
2010-2018
Finance up to 105% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 7.39% |
| 49 to 63 Months | As low as 8.54% |
1APR = Annual Percentage Rate. Rates are subject to change without notice and may vary based on creditworthiness, vehicle age, loan amount, loan term, and other factors. Not all applicants will qualify for the lowest advertised rate, and your APR may be higher than the rate shown. The advertised rates shown are based on automatic monthly payments. APR may increase without automatic monthly payment. Refinance transactions may be subject to a rate adjustment. SRFFCU offers auto loans for new and used vehicles with a Gross Vehicle Weight Rating (GVWR) of 26,000 lbs. or less. Vehicle values are based on Kelley Blue Book® or NADA clean retail value. The amount financed may vary based on creditworthiness and vehicle age. Cash-Out on Title loans are available up to 80% of the vehicle value. Loans are subject to approval criteria. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Personal loans
| Type | Terms | APR1 |
|---|---|---|
| Personal Loan | 1 to 5 years | Rates as low as 6.99% |
1APR = Annual Percentage Rate. Rates are subject to change without notice and are determined based on an evaluation of the applicant’s creditworthiness. Not all applicants will qualify for the lowest advertised rate, and your APR may vary from the rate shown. The advertised APR includes a 0.25% discount for automatic monthly payments. APR will increase by 0.25% without automatic payment. Loans are subject to approval criteria. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Savings, Checking, Money Market, and High Yield Savings
| Type | Minimum Balance | Rate | APY1 |
|---|---|---|---|
| Savings | $50.00 | 0.40% | 0.40% |
| Checking | $0.00 | 0.10% | 0.10% |
| IRA Savings | $0.00 | 3.90% | 3.97% |
| High Yield Savings | $5,000 | 3.15% | 3.20% |
| Money Market | $1,000 | 1.30% | 1.30% |
| Premium Money Market | $1,000 | 1.30% | 1.30% |
1APY = Annual Percentage Yield.
Savings disclosure: Rates are variable and may change after account opening. A minimum balance of $50 is required to open a Savings Account and earn the stated APY. Fees may reduce earnings. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions. See the Account Agreement and Fee Schedule for complete details.
Checking disclosure:Â To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions. Other fees and restrictions may apply. See the Account Agreement and Fee Schedule for complete details.
High Yield Savings disclosure: A minimum balance of $5,000 is required to open the account and earn the advertised APY. Dividends are compounded daily and credited to the account monthly. If the balance falls below the minimum balance requirement, the advertised APY will not be earned. Rates and APYs are variable and may change after account opening. Fees may reduce earnings. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Money Market disclosure: APY = Annual Percentage Yield. A minimum balance of $1,000 is required to open a Money Market Account and earn the applicable advertised APY. A minimum balance of $5,000 is required to open a Premium Money Market Account and earn the applicable advertised APY. Dividends are compounded daily and credited to the account monthly. If the account balance falls below the applicable minimum balance requirement, the advertised APY will not be earned. Rates and APYs are variable and may change after account opening. Fees may reduce earnings. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.
Certificate rates
| Type | Rate | APY1 | Early Withdrawal Penalty |
|---|---|---|---|
| 3 Month | 2.25% | 2.27% | 1 month interest |
| 5 Month | 0.75% | 0.75% | 1 month interest |
| 6 Month | 3.85% | 3.92% | 1 month interest |
| 7 Month | 0.75% | 0.75% | 1 month interest |
| 8 Month | 0.75% | 0.75% | 1 month interest |
| 9 Month | 3.00% | 3.04% | 3 month interest |
| 10 Month | 0.75% | 0.75% | 3 month interest |
| 12 Month | 4.15% | 4.24% | 3 month interest |
| 13 Month | 0.75% | 0.75% | 3 month interest |
| 15 Month | 0.75% | 0.75% | 3 month interest |
| 17 Month | 0.75% | 0.75% | 3 month interest |
| 18 Month | 4.05% | 4.13% | 3 month interest |
| 24 Month | 4.00% | 4.08% | 3 month interest |
| 30 Month | 0.75% | 0.75% | 3 month interest |
| 36 Month | 3.60% | 3.66% | 3 month interest |
| 48 Month | 0.75% | 0.75% | 6 month interest |
| 60 Month | 3.85% | 3.92% | 6 month interest |
1APY is Annual Percentage Yield. APY assumes dividends remain on deposit until maturity. Withdrawal will reduce earnings. A minimum balance of $500 is required to open a Certificate and to earn the advertised dividend rate. Rate is fixed for the term. At maturity, the Certificate will renew at the then-current rate for a new term unless otherwise disclosed or the member elects another option. All rates are subject to change prior to Certificate opening without notice. A penalty may be imposed for early withdrawal of principal. Fees may reduce earnings. To qualify for any product or service, you must be a member. New memberships are subject to eligibility requirements and membership terms and conditions.Â
Become a Member and Access Better Rates
Membership gives you access to competitive credit union interest rates across loans, savings products, and certificates, along with personal service and digital tools that make everyday banking easier.