Consumer Loans

At San Antonio Citizens Federal Credit Union, we’re for community. We’re for neighbors, friends, family. We’re for you. As part of the community since 1955, we offer personalized financial advice, education, products, and services that make your money go further. Solutions to help you achieve financial wellness.

New & Used Boat LoansImage of RV
Are you ready to begin exploring the beautiful waters of Florida?  We can help you purchase your next new or used boat. We have competitive rates and terms, new boats up to 15 years, used boats up to 13 years.

New & Used RV Loans
Do you enjoy getting away from daily chores, job pressures and ringing telephones by jumping in your RV? Let us help you finance your next purchase. We have competitive rates, and terms up to 15 years.

Apply for an SACFCU credit card        Request an increased credit limit for your existing SACFCU credit card.        Request a balance transfer to your existing SACFCU credit card.

  • No transfer or transaction fees!
  • No annual fees!
  • 9.90% APR – purchases
  • 9.90% APR – cash advances or balance transfers
  • Secured Credit Cards available! 


Card Controls 
control your cards in the SACFCU app:
•  Temporarily lock your card
•  Report your card lost or stolen
•  View card activity

Travel Notification 
When planning domestic or international travel, please let us know.  We’ll ensure your cards are available for use while traveling:  Travel Notification Form


To Report a Lost or Stolen Visa Credit Card

Red golf cart with black rims and tiresFUN Loans!
Looking to finance something fun?  We can help you with Golf Carts, Four Wheelers, Side by Sides (SxS), Motorcycles, Jet Skis and more!

Personal Loans
Do you need funds to replace an air conditioner, buy new furniture, upgrade your computer, or repair your vehicle? We can help!

Share Secured Loans
Do you have extra funds in your share account, but don’t want to spend them? Let us help you use them to obtain a loan for your next purchase.

Credit Builder Loans
No Credit? Bad Credit? This loan is for you! San Antonio Citizens Federal Credit Union understands everyone has to start somewhere, and sometimes life takes turns we had not planned for. Learn how to build or rebuild your credit here!

Business Loans
We offer a variety of business lending options with competitive rates and flexible terms to meet your individual needs, including vehicles, equipment and credit cards. Have a loan with another lender? We offer refinance options. Click here for more information.

Loan Rates

Loan RatesEffective Wednesday, September 27, 2023
Loan TypeRates as low asTerms & Information
AUTO » 5.75% 60 M 5.750% APR, $19.22 per $1,000 borrowed for 60 months
PERSONAL » 10.50% 48 M 8.750% APR, $21.50 per $1,000 borrowed for 60 months
DEPOSIT SECURED LOAN » 2.10% 36 M 2.100% APR, $28.69 per $1,000 borrowed for 36 months
BOAT » 7.50% 60 M 7.50% APR, $20.05 per $1,000 borrowed for 60 months
OTHER COLLATERAL » 8.00% 60 M 8.00% APR, $20.28 per $1,000 borrowed for 48 months
RV » 7.50% 60 M 7.500% APR, $20.05 per $1,000 borrowed for 60 months
GOLF CART » 8.00% 36 M 8.00% APR, $24.42 per $1,000 borrowed for 48 months

Actual APR will be based on credit score, loan amount and term of loan.

Loan Calculators

Loan Calculator




  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

Amortization Calculator



Payment table will appear here.

Note: This calculator is provided only to give an estimate of your loan. Your payment schedule may vary. This calculator is based on an interest rate less than 10%. Talk to your loan representative for additional details.

“The interactive calculators on our website are for educational and informational purposes only. The Credit Union makes no warranty as to the accuracy of ANY calculators found on its web site and accepts no liability for any loss or inconvenience arising from the use of these calculators. You are encouraged to contact one of our qualified savings or loan professionals to receive personalized advice regarding your financial needs.”