Loan typeAnnual percentage rateNotes
Personal unsecured loan As low as 11.24% $78.23 a month based on a 4 year, $3000 loan at 11.24% APR.
Credit Fit Loan 5.25% $85.73 a month based on a 1 year, $1000 loan at 5.25% APR.
Budget Fit Loan 18.00% $91.68 a month based on a 1 year, $1,000 loan at 18.00% APR.
Share-secured loan 3.25% $45.21 a month based on a 5 year, $2500 loan at 3.25% APR.
Certificate-secured loan 6.00% $48.45 a month based on a 5 year, $2500 loan at 6.00% APR.
Personal line of credit As low as 11.99% Variable rate.

The rates, fees, and charges shown are effective Sunday, November 1, 2026. 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 monthly 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 Relationship Rewards checking 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.