Rates
With Seattle Metropolitan Credit Union's personalized lending program,
your credit history, down payment amount, loan term, and other factors
determine your auto or home equity loan rate.
More members will now be able to receive loans consistent with their
credit qualifications at rates that are usually better than those at banks.
New Auto & Motorcycle
Fixed**
Up to 72 Month Term
5.49% - 14.99%
Used Auto & Motorcycle
Fixed**
Up to 72 Month Term
5.74% - 15.24%
Add 0.50% for 84 month terms
Boat
3 - 15 Year Loan Term
Fixed**
Up to 80% Loan-to-Value
6.99 - 16.49%
Greater than 80% Loan-to-Value
7.49 - 14.24%
RV
3 - 15 Year Loan Term
Fixed**
Up to 80% Loan-to-Value
6.99 - 16.49%
Greater than 80% Loan-to-Value
7.49 - 14.24%
Aircraft
Up to 12 Year Loan Term
Variable**
Fixed**
Up to 80% Loan-to-Value
9.75%
10.75%
No ex-military aircraft or "warbirds".
Consumer
Variable**
Fixed**
MoneyLine
12.000 - 18.000%
N/A
Signature
N/A
12.000 - 18.000%
Other Secured
N/A
8.750% - 17.750%
Mobile Home
See Home Equity Rates
See Home Equity Rates
Visa®
Variable*
Classic
8.99% - 17.99%
Gold
Platinum
Variable**
²
Fixed**
²
Loan-to-Value 80% or less
5.00% - 12.50%
5.99% - 13.49%
Loan-to-Value 80.01% to 90%
5.75% - 9.75%
6.74% -10.74%
Home Equity Platinum Visa Account
Variable*
²
Loan-to-Value 90% or less
5.500% -9.500%
Student Loans
Please visit CUNA
Mutual for our current student loan rates.
* Rates are expressed as Annual Percentage Rate (APR) and are subject
to change without
For 15 yr Fixed Rate owner occupied Equity Loan, add .25%
For non owner occupied Equity Loan add .50%
² For combined SMCU Equity Loan balances over $250,000 add 1%.Vehicle,
Boat, RV, & Consumer Payment Examples Home
Equity Payment Examples
Rates valid until 5pm of effective date only.
For Loan Amounts over $417,000, please call for rates.
Loan Type
25 Day
55 Day
1% Origination Fee
0% Origination Fee
1% Origination Fee
0% Origination Fee
Fixed Rate Loans
Rate
APR
Rate
APR
Rate
APR
Rate
APR
30 year Fixed
4.750%
4.913%
5.125%
5.203%
4.875%
5.040%
5.250%
5.329%
FHA 30 year Fixed
6.000%
6.902%
6.250%
7.108%
VA 30 year Fixed
6.000%
6.891%
6.250%
7.148%
20 year Fixed
4.750%
4.973%
5.125%
5.203%
4.875%
5.100%
5.250%
5.357%
15 year Fixed
4.375%
4.654%
4.500%
4.628%
4.375%
4.654%
4.625%
4.754%
10 year Fixed
4.125%
4.522%
4.250%
4.431%
4.125%
4.522%
4.375%
4.558%
Interest 1st 10/20
6.375%
6.544%
7.125%
7.213%
6.500%
6.671%
8.250%
8.351%
Interest 1st 15/15
5.625%
5.774%
6.000%
6.074%
5.750%
5.901%
6.250%
6.326%
5/25 Balloon/Reset
4.500%
4.936%
4.625%
5.063%
7/23 Balloon/Reset
4.625%
4.958%
4.750%
5.085%
Construction Loan
5.250%
5.401%
5.375%
5.527%
Adjustable Rate Loans
1 year ARM
4.125%
3.467%
4.250%
3.477%
3/1 ARM
4.375%
3.654%
4.500%
3.684%
5/1 ARM
4.500%
3.851%
4.625%
3.898%
7/1 ARM
4.625%
4.062%
4.750%
4.125%
Reference
60 day conversion rate
4.800%
1 year T Bill
0.400%
For more information or to apply, contact us at 206-398-5888 or relending@smcu.com.
All rates are expressed as Annual Percentage Rate (APR). APR reflects any prepaid finance charges. Variable rates subject to increase after consummation of loan. Rates, terms and conditions subject to change without notice. Rates quoted represent best available. Applicable rate and fees are unique to each transaction and are based on transaction details.
Mortgage Payment Examples
Account
Minimum Balance to
Dividend Rate
APY*
Savings
N/A
1.00%
1.00%
Classic Checking
$300
0.50%
0.50%
Feel Good Checking
$0-$500.00
7.50%
7.71%
$500.01 and above
0.50%
0.50%
High Yield Checking
$10,000
1.00%
1.00%
Money Market
$1,000
2.00%
2.02%
Money Market Plus
$25,000
2.00%
2.02%
High Yield Money Market
$50,000 - 99,999
2.15%
2.17%
$100,000 and above
2.30%
2.32%
IRA Savings
N/A
2.00%
2.02%
Certificate Account Terms**
3 - 6 months
$1,000
1.40%
1.41%
6 - 12 months
$1,000
2.85%
2.89%
12 - 18 months
$1,000
2.95%
2.99%
18 - 24 months
$1,000
3.05%
3.10%
2 - 3 years
$1,000
3.10%
3.15%
3 - 4 years
$1,000
3.20%
3.25%
4 - 5 years
$1,000
3.30%
3.35%
5 years
$1,000
3.45%
3.51%
IRA: 6 - 12 months
$1,000
2.85%
2.89%
IRA: 12 - 18 months
$1,000
2.95%
2.99%
IRA: 18 - 24 months
$1,000
3.05%
3.10%
IRA: 2 - 3 Years
$1,000
3.10%
3.15%
IRA: 3 - 4 Years
$1,000
3.20%
3.25%
IRA: 4 - 5 Years
$1,000
3.30%
3.35%
IRA: 5 Years
$1,000
3.45%
3.51%
Jumbo: 2 - 4 Months
$50,000
1.25%
1.26%
Jumbo: 4 - 6 months
$50,000
2.50%
2.53%
Super Jumbo:2 - 4 Months
$100,000
1.25%
1.26%
Super Jumbo:4 - 6 months
$100,000
2.50%
2.53%
* APY = Annual Percentage Yield
** A penalty will be imposed for early withdrawal
Rates can change without notice. Rates on savings, money markets, and
checking accounts may change after account opening. Account fees may
reduce earning on the account. Call our Contact Center at (206) 398-5500
or (800) 334-2489 for the most current rates.
Account
Minimum Balance to
Dividend Rate
APY*
Business Savings
N/A
1.00%
1.00%
Small Business Checking
N/A
0.50%
0.50%
Business Checking
N/A
0.50%
0.50%
Money Market
$0 - $1,000
1.00%
1.00%
$1,000 - $25,000
2.40%
2.43%
$25,000 - $50,000
2.65%
2.68%
$50,000 and above
2.80%
2.84%
Certificate Account Terms**
6 - 12 months
$1,000
2.85%
2.89%
12 - 24 months
$1,000
2.95%
2.99%
2 - 3 years
$1,000
3.10%
3.15%
3 - 4 years
$1,000
3.20%
3.25%
4 - 5 years
$1,000
3.30%
3.35%
5 years
$1,000
3.45%
3.51%
Jumbo: 2 - 4 Months
$50,000
1.25%
1.26%
Jumbo: 4 - 6 months
$50,000
2.50%
2.53%
Super Jumbo:2 - 4 Months
$100,000
1.25%
1.26%
Super Jumbo:4 - 6 months
$100,000
2.50%
2.53%
* APY = Annual Percentage Yield
** A penalty will be imposed for early withdrawal
Rates can change without notice. Rates on savings, money markets, and
checking accounts may change after account opening. Account fees may
reduce earning on the account. Call our Contact Center at (206) 398-5500
or (800) 334-2489 for the most current rates.
Deposit
Rate Disclosures
Equal Housing Lender