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Why Bank With SDCCU?
Personal Loan Rates & Terms
| Effective July 1, 2026 and subject to change. View a printable PDF. |
SDCCU personal loans can help you cover unexpected expenses like car repairs, medical bills, vacations or whatever else you may need.
Loan Rates and Terms
Loan Type | Annual Percentage Rate (APR) | Term | Rate Type |
| Signature: | 15.500% | Up to 60 months | Fixed |
Certificate Secured1: ($25,000 or more) | Dividend Rate + 2.00% | Up to Maturity Date | Fixed |
Certificate Secured1: (less than $25,000) | Dividend Rate + 3.00% | Up to Maturity Date | Fixed |
| Share Secured: | 5.000% | Up to 60 months | Fixed |
Certificate rates may vary based on the dividend rates. All loans are subject to approval. 60 monthly payments of $24.22 per $1,000.00 borrowed at 15.50% for Signature Loans. 60 monthly payments of $18.92 per $1,000.00 borrowed at 5.00% for Share Secured Loans. Minimum monthly payments apply.
1For Certificate Secured Loans, the entire remaining unpaid balance shall be due and payable upon the maturity of the certificate account.
Learn More About SDCCU Loans
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Home Equity Loans & Lines
Using the value of your home couldn't be easier or more affordable.
Explore Home Equity Loans & LinesSDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.
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