Loans

Your one-stop shop for everything auto.
First time car buyers are welcome.

Find a Vehicle
Explore Discounted Auto Insurance Options Protect Your Purchase with a Warranty & GAP
Apply Now!

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 up to 15 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.

At San Antonio Citizens Federal Credit Union, we underwrite and service our credit cards locally. No need to talk with someone in a far away call center!

Apply for a Credit Card Online

  • SACFCU Credit Card with New LogoPurchase Rate… currently 9.90% APR
  • No Annual Fees!
  • 9.90% APR on all Cash Advances and Balance Transfers!
  • No Transfer or Transaction fees!
  • Secured Credit Cards Available! 


Buzz Points

A free rewards program for your credit card!  Start Earning Rewards!

Verified by Visa
Protects your Visa credit or debit card with a personal password while shopping online. Click to enroll for this free service.

Printable Forms:
Credit Card Application
Balance Transfer Form

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

Miscellaneous Collateral Loans
Looking to finance something we haven’t listed above? Jet Skis, Four Wheelers, Motorcycles, Horse Trailer, etc. Let us help you!

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!

San Antonio Citizens Federal Credit Union offers a variety of mortgage options. Are you buying a new home? Needing to refinance an existing mortgage? Looking to build your dream home? We have a mortgage to fit your need…

More Info or to Apply!

  • Set of Keys With Green House Isolated on White Background.Traditional fixed-rate mortgages
  • Adjustable-rate mortgages (ARM’s) to provide flexibility
  • Mobile Home and Land Financing
  • Construction to Permanent Financing
  • Vacant Land Loans
  • Investment and Rental Homes
  • Home Equity Lines of Credit

Check out a list of items needed, to begin the mortgage process. Mortgage Calculators How much do you qualify for? How much house does a given monthly payment buy? Monthly payment calculator? Will refinancing save money?


Loan Rates

 

Loan Rates - Effective Tuesday, October 23, 2018
Loan TypeRates as low asTerms/Information
Credit Builder Loan9.990%We can help you build your credit! Call, click or come by
Auto New 2017-20183.338%Loan amounts less than $2,500....APR as low as 3.25%
Auto Used 2009-20163.588%Loan amounts less than $2,500....APR as low as 3.25%
Autos older than 20097.838%Loan amounts less than $2,500....APR as low as 7.50%
Personal Loan7.846%Loan amounts less than $2,500....APR as low as 7.50%
Visa Classic9.900%View Disclosures at www.sacfcu.org/loan-center/cc/
Boat New 2017-20186.074%Loan amounts less than $2,500....APR as low as 6.00%
Boat Used 2006-20166.824%Loan amounts less than $2,500....APR as low as 6.75%
RV New 2017-20186.074%Loan Amounts less than $2,500....APR as low as 6.00%
RV Used 2006-20166.824%Loan amounts less than $2,500....APR as low as 6.75%
Miscellaneous Collateral6.356%Loan amounts less than $2,500....APR as low as 6.50%

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


Loan Calculators

Loan Calculator

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Instructions

  • 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

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Results

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.”