Consumer Loans

Your future. Our community. Together.

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.

 

Your one-stop shop for everything auto.

First-time car buyers are welcome.

Guaranteed Asset Protection (GAP) for your vehicle Shiny new silver truck Protect Your Purchase with a Warranty

Explore Discounted Auto Insurance Options

Apply for an Auto Loan Now!

Find a Vehicle


Loan Rates

Loan RatesEffective Saturday, February 24, 2024
Loan TypeRates as low asTerms & Information
AUTO » 6.25% 60 M 6.250% APR, $19.50 per $1,000 borrowed for 60 months
PERSONAL » 11.00% 48 M 11.524% APR, $25.80 per $1,000 borrowed for 60 months
DEPOSIT SECURED LOAN » 2.10% 36 M 2.100% APR, $28.71 per $1,000 borrowed for 36 months
VISA CREDIT CARD » 9.90% 39 M
BOAT » 8.00% 60 M 8.00% APR, $20.34 per $1,000 borrowed for 60 months
OTHER COLLATERAL » 8.50% 60 M 8.50% APR, $24.73 per $1,000 borrowed for 48 months
RV » 8.00% 60 M 8.00% APR, $20.34 per $1,000 borrowed for 60 months
GOLF CART » 8.50% 36 M 8.50% APR, $24.73 per $1,000 borrowed for 48 months
Actual APR* will be based on credit score, loan amount and term of loan.
*APR = Annual Percentage Rate


Loan Calculators

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.


Loan Rates

 

Loan RatesEffective Saturday, February 24, 2024
Loan TypeRates as low asTerms & Information
AUTO » 6.25% 60 M 6.250% APR, $19.50 per $1,000 borrowed for 60 months
PERSONAL » 11.00% 48 M 11.524% APR, $25.80 per $1,000 borrowed for 60 months
DEPOSIT SECURED LOAN » 2.10% 36 M 2.100% APR, $28.71 per $1,000 borrowed for 36 months
VISA CREDIT CARD » 9.90% 39 M
BOAT » 8.00% 60 M 8.00% APR, $20.34 per $1,000 borrowed for 60 months
OTHER COLLATERAL » 8.50% 60 M 8.50% APR, $24.73 per $1,000 borrowed for 48 months
RV » 8.00% 60 M 8.00% APR, $20.34 per $1,000 borrowed for 60 months
GOLF CART » 8.50% 36 M 8.50% APR, $24.73 per $1,000 borrowed for 48 months

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


Loan Calculators

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.

What if your credit card worked to help you thrive?  Ours does.  Shop local. Shop online. Shop while you travel.  And rest assured – No fees*. No Surprises.

  • No balance transfer fees
  • No transaction fees
  • No cash advance fees
  • No annual fees
  • 9.90% APR – purchases
  • 9.90% APR – cash advances or balance transfers
  • Secure EMV Chip-enabled card
  • Secured Credit Cards are 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
1-866-333-4740

*Late fees will be charged on late payments.  No punitive interest rates for late or missed payments.

 

FUN 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 Life is full of surprises – some more expensive than others.  A personal loan can help when you need funds to pay for surprises like:

  • Replacing an Air Conditioner
  • Buying New Furniture
  • Computer Upgrades
  • Vehicle Repairs
  • Holiday Gifts
  • Honeymoons/Dream Vacations
  • Adoption
  • Debt Consolidation
  • Unexpected Medical Expenses
  • Home Remodeling
  • Weddings
  • Birthdays (Quinceañeras, Sweet 16)
  • Bar Mitzvahs/Bat Mitzvahs

Share Secured Loans Do you have extra funds in your share account but don’t want to spend them?  Share-secured loans allow you to use your savings as loan collateral.  Interest rates on share-secured loans are only 2% above the dividend rate of the share account you are borrowing from (savings, money market, or CD). And you can use a share-secured loan for any type of purchase – from a small purchase to a new vehicle.

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. Learn more about business lending options.


Loan Rates

Loan RatesEffective Saturday, February 24, 2024
Loan TypeRates as low asTerms & Information
AUTO » 6.25% 60 M 6.250% APR, $19.50 per $1,000 borrowed for 60 months
PERSONAL » 11.00% 48 M 11.524% APR, $25.80 per $1,000 borrowed for 60 months
DEPOSIT SECURED LOAN » 2.10% 36 M 2.100% APR, $28.71 per $1,000 borrowed for 36 months
VISA CREDIT CARD » 9.90% 39 M
BOAT » 8.00% 60 M 8.00% APR, $20.34 per $1,000 borrowed for 60 months
OTHER COLLATERAL » 8.50% 60 M 8.50% APR, $24.73 per $1,000 borrowed for 48 months
RV » 8.00% 60 M 8.00% APR, $20.34 per $1,000 borrowed for 60 months
GOLF CART » 8.50% 36 M 8.50% APR, $24.73 per $1,000 borrowed for 48 months
Actual APR will be based on credit score, loan amount and term of loan.


Loan Calculators

WHAT IS GUARANTEED ASSET PROTECTION (GAP)?

GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft. Subject to limitations and exclusions, including but not limited to loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges.

 

HOW DOES GAP WORK?

The actual cash value of your vehicle, as determined by your primary

 insurance carrier, could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum loan-to-value (LTV) of 130%.

 

BENEFITS OF GAP

  1. Auto Deductible Reimbursement (ADR)

GAP covers up to $1,000 of your deductible if there is a “gap” after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance settlement. Not available in NY or AK.

  1. GAP Advantages

GAP Advantage provides you with a $1,000 credit towards financing a replacement vehicle financed with us!

 

Contact us with any questions at 352-588-2732 Ext. 2231 or Ext. 3226