Loan typeAnnual percentage rateNotes
Recreational vehicle loan As low as 6.99% Fixed rate, terms up to 180 months available. “As low as” rate applies to vehicles seven model years and newer with a maximum term of 120 months. Your rate may be higher depending on credit score, vehicle year and loan term you select. Existing STCU auto loan refinances & add-on requests will be subject to a 1% refinance fee or $100, whichever is greater. $294.32 a month based on a 10 year, $25000 loan at 7.24% APR.
Auto/truck loan As low as 5.49% Fixed rate, terms up to 96 months available. "As low as" rate applies to vehicles seven model years and newer with a maximum term of 72 months. Your rate may be higher depending on credit score, vehicle year and loan term you select. Existing STCU auto loan refinances & add-on requests will be subject to a 1% refinance fee or $100, whichever is greater. $288.80 a month based on a 5 year, $15000 loan at 5.74% APR.

The rates, fees, and charges shown are effective Tuesday, April 15, 2025. Rates for personal loans include a .25% discount for having an STCU Credit Card in good standing. Payments are based on the contract rate before discount.

The ANNUAL PERCENTAGE RATE (APR) for variable rate advances on the Personal Line of Credit is based on the Wall Street Journal (WSJ) Prime Rate plus a margin.  For variable rate advances and existing balances, the APR will be adjusted on the first day of each month to reflect any change in the Index. Any increase or decrease in the APR may result in an increase or decrease in the number of payments necessary to pay off the advance. An increase in the APR may increase the payment amount. Maximum APR is 18%.

Other rates and terms may apply depending on the individual credit worthiness of each applicant. STCU terms, conditions and rates are subject to change without notice. For more information, please call us at (509) 326-1954 or toll-free at (800) 858-3750.

A 0.25% loan rate discount will be automatically applied to a loan to which you are primary and are in the same primary membership for each month you meet the Level 2 requirements. If you no longer meet Level 2 requirements the rate discount will be automatically removed. As the 0.25% loan discount may be removed based on qualifications, your interest rate may fluctuate.