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Rates & Disclosures SAFE Rates

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Vehicle and Personal Loan Rates & Disclosures

Rates effective as of November 1, 2019

Rates and terms are subject to change without notice. Rates determined by amount financed, loan term and credit history. Log on to SAFE's website at www.safecu.org for current rates or to apply for a loan online.

Vehicle Loans
Vehicle Loans Term APR 1
Blank Blank New 2 Used
Car/Truck/Van - One ton or less Up to 84 Months 3 3.64% - 11.49% 3.89% - 11.79%
Business Vehicle Up to 84 Months 4.49% - 5.24% 4.74% - 5.49%
Commercial Vehicle Up to 60 Months 5.49% - 6.24% 5.74% - 6.49%
Motorcycle Up to 66 Months 4 4.89% - 7.14% 5.14% - 7.44%
RV & Boat (Motor Home, Trailer, Boat, Jet Ski titled by DMV) Up to 84 Months 5,7 4.89% - 7.74% 5.14% - 8.04%
85 to 120 Months 6,8 5.84% - 6.49% 6.09% - 6.74%
1 Rates for Vehicle loans reflect a relationship discount of .35%. To qualify for the Relationship Discount Rate, you must be an existing member for at least 30 days at time of application. For Regular Rate, add .35% to APR shown.
2 New is current and previous model year (2018 & 2019).
3 3.64% APR available on terms up to 48 months. Payment on a $25,000 loan at 4.49% APR for 84 months is $347.45. Minimum $20,000 loan amount for terms over 75 months.
4 Payment on $15,000 loan at 5.14% APR for 66 months is $261.44            
5 Payment on $30,000 loan at 5.49% APR for 84 months is $431.04. 
6 Payment on $50,000 loan at 5.84% APR for 85 months is $719.82
7 Applies to credit tiers 1, 2, and 3.
8 Applies to credit tiers 1 and 2.

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Personal Loans
Personal Loans Amount Term 1 APR 2
Personal Use Up to $20,000 Up to 60 Months 8.74% - 14.24%
Green Energy3 Up to $25,000 Up to 180 Months 6.74% - 11.74%
Share Secured 100% Financing Up to 60 Months 6.25%
1 Payment on a loan at 10.49% APR for 60 months is $21.50 per $1000 borrowed.
2 Rates for Personal loans reflect a relationship discount of .35%. To qualify for the Relationship Discount Rate, you must be an existing member for at least 30 days at time of application. For Regular Rate, add .35% to Relationship Discount Rate.
3 Owner-occupied improvements only.

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