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Personal Loan Rates & Terms

Effective August 23, 2025 and subject to change.
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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:15.50%Up to 60 monthsFixed

Certificate Secured1:

($25,000 or more)

Dividend Rate + 2.00%Up to Maturity DateFixed

Certificate Secured1:

(less than $25,000)

Dividend Rate + 3.00%Up to Maturity DateFixed
Share Secured:5.00%Up to 60 monthsFixed

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. 

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