Loan Rates
When you're borrowing money, you want the best value possible. Because Scient FCU is owned by its members, we're able to offer highly competitive rates on loans to help you finance the most important purchases in your life.
| Type | Term | Annual Percentage Rate (APR) as low as |
How to apply |
|---|---|---|---|
| New or Used | 24- 48 months | 2.99% | |
| New or Used | 49- 60 months | 3.99% |
We offer loans over 60 months. Please Contact Us for details.
For example, a loan of $15,000 has 48 monthly payments of $331.95 with an APR of 2.99%.
*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change. Other rates and terms are available. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.
| Type | Term | Annual Percentage Rate (APR) as low as |
How to apply |
|---|---|---|---|
| New | 24-60 months | 6.15% | |
| Used | 24-60 months | 7.40% |
For example, a loan of $30,000 has 60 monthly payments of $582.08 with an APR of 6.15%.
*APR = Annual Percentage Rate. Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.
| Product | Term | Annual Percentage Rate (APR) | How to apply |
|---|---|---|---|
| Consumer Credit Cards | Revolving | ||
| Business Credit Cards | Revolving |
Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.
| Product | Term | Annual Percentage Rate (APR) as low as |
How to apply |
|---|---|---|---|
| Signature Loan | Up to 48 months | 6.99% |
*APR = Annual Percentage Rate. 6.99% APR offered for credit scores 760 or higher on a 48-month Signature Loan. For example, the monthly payment on a $10,000 48-month Personal Loan at 6.99% APR is $239.42. 8.99% APR offered for credit scores 720 – 759 on a 48-month Personal Loan. For example, the monthly payment on a $10,000 48-month Personal Loan at 8.99% APR is $248.80. The rate may vary and will be determined by your credit score. Other restrictions may apply. †Funds should be made available within (2) business days after the loan is approved if all required loan documents are received. Offer runs January 1 – January 31, 2021.
| Product | Term | Annual Percentage Rate (APR) as low as |
How to apply |
|---|---|---|---|
| Personal Line of Credit | Revolving | 5.99% APY for the first 12 months |
*APR = Annual Percentage Rate
| Product | Term | Annual Percentage Rate (APR) | How to apply |
|---|---|---|---|
| Life Science Education Loan | 12 Months | 7.00% for 12 Months |
*APR = Annual Percentage Rate
| Product | Term | Annual Percentage Rate (APR) as low as |
How to apply |
|---|---|---|---|
| Executive Reserve Account/Line of Credit | Revolving | 12.00% | |
| Certificate-Secured Loan | Varies | 2.00% over Certificate rate |
*APR = Annual Percentage Rate. Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.
Scient FCU is a full-service credit union with branches in New Haven and Groton, Connecticut.
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