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 July 1, 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 5.864% | $2,744.24 |
| 0% origination | 15 Year | As low as 6.250% | As low as 6.338% | $2,143.56 |
| 0% origination | 20 Year | As low as 6.250% | As low as 6.320% | $1,827.33 |
| 0% origination | 30 Year | As low as 6.250% | As low as 6.303% | $1,539.30 |
*Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply.
Example based on a $250,000 loan.
These assumptions are subject to change without notice. Rate, points, and APR may be adjusted based on several factors, including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact SRFFCU for more details.
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 5.675% | $1,439.15 |
| 5 / 5 Year – 0% origination | 30 Year | As low as 5.875% | As low as 5.923% | $1,478.85 |
| 7 / 7 Year – 0% origination | 30 Year | As low as 6.125% | As low as 6.173% | $1,519.03 |
*Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply.
Example based on a $250,000 loan.
These assumptions are subject to change without notice. Rate, points, and APR may be adjusted based on several factors, including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact SRFFCU for more details.
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 |
The above loan products are available for non owner occupied 1-4 family houses and condominiums, multi family residential apartment buildings and mixed use investment properties. Commercial Loans are risk rated. The final interest rate on your loan will be based on your credit history, the loan to value, collateral and other risk components associated with the loan.
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 6.00% |
| Non-SRFFCU First Mortgage | 5-year draw, 20-year repay period | As low as 6.00% |
New
Finance up to 120% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 4.89% |
| 49 to 66 Months | As low as 4.99% |
| 67 to 75 Months | As low as 5.19% |
| 76 to 84 Months | As low as 5.59% |
2022-2026
Finance up to 115% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 4.89% |
| 49 to 66 Months | As low as 4.99% |
| 67 to 75 Months | As low as 5.19% |
| 76 to 84 Months | As low as 5.59% |
2019-2021
Finance up to 110% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 5.54% |
| 49 to 66 Months | As low as 5.74% |
| 67 to 75 Months | As low as 6.14% |
2010-2018
Finance up to 105% of the vehicle value
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 7.14% |
| 49 to 63 Months | As low as 8.29% |
1APR = Annual Percentage Rate. Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Refinance transactions may be subject to a rate adjustment. Your rate can be higher depending on credit performance. Rate is subject to change without notice. Other conditions may apply. SRFFCU offers auto loans for new and used cars. All rates are subject to change without notice. Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. Value is based on Kelley Blue Book or NADA clean retail value. The actual amount financed can vary based on creditworthiness and age of the vehicle. Cash-Out on Title loans are financed up to 80% of the vehicle value.
Personal loans
| Type | Terms | APR1 |
|---|---|---|
| Personal Loan | 1 to 5 years | Rates as low as 6.99% |
1APR = Annual Percentage Rate. Rates for this product are determined by an evaluation of applicant credit; not all applicants will qualify. Your rate may vary from the rate shown. Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. Rates are subject to change without notice.
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 | 3.10% | 3.14% |
| Money Market | $1,000 | 1.30% | 1.30% |
| Premium Money Market | $1,000 | 1.30% | 1.30% |
1APY = Annual Percentage Yield.
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 | 3.95% | 4.02% | 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 | 1.00% | 1.00% | 3 month interest |
| 12 Month | 3.50% | 3.56% | 3 month interest |
| 13 Month | 1.00% | 1.00% | 3 month interest |
| 15 Month | 1.00% | 1.00% | 3 month interest |
| 17 Month | 1.00% | 1.00% | 3 month interest |
| 18 Month | 3.50% | 3.56% | 3 month interest |
| 24 Month | 3.55% | 3.61% | 3 month interest |
| 30 Month | 1.00% | 1.00% | 3 month interest |
| 36 Month | 3.60% | 3.66% | 3 month interest |
| 48 Month | 1.00% | 1.00% | 6 month interest |
| 60 Month | 3.85% | 3.92% | 6 month interest |
1APY=Annual Percentage Yield. The new rate will remain in effect until the certificate maturity date.
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.