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Loan Calculators
 
Risk Based Pricing:
Scott Associates Credit Union uses a risk based pricing policy to determine a members interest rate on many of our loan products. In grading a loan application, the credit bureau provides Scott Associates Credit Union with a calculated national risk score, which is then matched to a letter score of A+, A, B, C, D or E. Rates have been set according to a corresponding letter grade. A letter grade of an A+ would receive our best rate, while tiers A - E grades would each receive a slightly higher interest rate.
The purpose of offering Risk Based loans is to help as many members as possible. We recognize that certain members represent more risk than others. We will not grant loans where the probability of repayment is very doubtful. We recognize the importance of managed risk. We also recognize we have members who are being charged extremely high rates with other lenders that we could help with a managed risk program, plus save these members substantial money while helping them rebuild their credit.
*APR = Annual Percentage Rate. All loans are subject to qualification.
Loan Rates

Rates effective as of:  01/19/2017. Subject to change without notice.

 

Share Secured 0 – 48 Months 4.00%
Share Secured 49 - 72 Months 4.50%
Certificate Secured 0 – 48 Months 4.00%
Certificate Secured 49 - 72 Months 4.50%
**Share/CD must remain at 2% less than loan rate for life of loan
**Risk Based lending not used for this product
 
  0 - 60 Months 2.99%
  61 - 72 Months (Min 20K) 3.25%
**New Auto values based on NADA.COM or MSRP.
 
2013-2017 0 - 48 Months 3.25%
2013-2017 49 - 60 Months 3.50%
2013-2017 61 - 72 Months (min 20K) 3.99%
2010-2012 0 - 48 Months 3.99%
2010-2012 49 - 60 months 4.50%
2010-2012 61-66 (min 20K) 4.75%
2007-2009 0 - 48 Months 4.75%
2006 & Older 0 - 36 Months 5.99%
**Used Auto values based on NADA.COMQualified Appraisals Required On Used Security.
 
New 0 - 60 Months 6.50%
New 72 - 120 Months (Min 20K) 6.99%
Used 0 - 72 Months 7.50%
Used 73 - 120 Months (Min $20K) 7.99%
Qualified Appraisals Required On Used Security.
 
New 0 - 60 Months 5.99%
New 61 - 72 Months (min 20K) 6.50%
Used 0 - 60 Months 6.99%
 
New 0 - 60 Months 6.50%
New 61 - 72 Months (min 20K) 6.99%
Used 0 - 60 Months 7.99%
Qualified Appraisals Required On Used Security.
 
Not Available N/A as low as

(adj qrtly)
Not Available N/A as low as
Not Available N/A as low as
Property must be located within the State of Ohio. **Call our office for current rates.**
 
  0 - 24 Months 8.50%
  25 - 36 Months 8.99%
  37 - 48 Months 9.50%
$7,500 Loan  0 - 60 Months 9.99%
Qualified Appraisals Required On Used Security. Call our office for Loan Specials.
   
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Phone: (937) 644-7385  |  Toll Free: 1-800-821-8173  |  Fax: (937) 645-2749  |  ARU: 937-645-2600 or 1-800-811-2546