Loan Rates
New Auto & Motorcycle Loans
| Type | Rates | APR* | Term (Months) |
|---|---|---|---|
| New Auto or Motorcycle | As Low As | 5.24% | Up to 60 Months |
| New Auto or Motorcycle | As Low As | 5.24% | Up to 72 Months (> $20,000) |
| New Auto or Motorcycle | As Low As | 5.24% | Up to 84 Months (> $40,000) |
*APR=Annual Percentage Rate. Ex: New Vehicle/Motorcycle Loan Amount=$20,000, Term=72 Months, APR=5.24%, Payment=$324.33. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
Used Vehicles & Motorcycles
| Type | Rates | APR* | Term (Months) |
|---|---|---|---|
| Used Vehicle or Motorcycle | As Low As | 5.24% | Up to 36 Months (> $3,000) |
| Used Vehicle or Motorcycle | As Low As | 5.24% | Up to 48 Months (> $6,000) |
| Used Vehicle or Motorcycle | As Low As | 5.24% | Up to 60 Months (> $10,000) |
| Used Vehicle or Motorcycle | As Low As | 5.24% | Up to 72 Months (> $20,000) |
| Used Vehicle or Motorcycle | As Low As | 5.24% | Up to 84 Months (> $40,000) |
*APR=Annual Percentage Rate. Ex. Used Vehicle/Motorcycle Loan Amount=$20,000, Term=72 Months, APR=5.24%, Payment=$324.33. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
Recreational Vehicle Loans
| Type | Rates | APR* | Term (Months) |
|---|---|---|---|
| New RV, Boat or ATV | As Low As | 6.74% | Up to 24 Months |
| New RV, Boat or ATV | As Low As | 6.74% | Up to 36 Months (> $3,000) |
| New RV, Boat or ATV | As Low As | 6.74% | Up to 48 Months (> $6,000) |
| New RV, Boat or ATV | As Low As | 6.74% | Up to 60 Months (> $10,000) |
| New RV, Boat or ATV | As Low As | 6.74% | Up to 72 Months (> $20,000) |
| New RV, Boat or ATV | As Low As | 6.74% | Up to 84 Months (> $ $40,000) |
| New RV, Boat or ATV | As Low As | 7.24% | Up to 120 Months (> $40,000) |
| New RV, Boat or ATV | As Low As | 7.74% | Up to 180 Months (>$60,000) |
| Used RV, Boat or ATV | As Low As | 6.74% | Up to 24 Months |
| Used RV, Boat or ATV | As Low As | 6.74% | Up to 36 Months (> $3,000) |
| Used RV, Boat or ATV | As Low As | 6.74% | Up to 48 Months (> $6,000) |
| Used RV, Boat or ATV | As Low As | 6.74% | Up to 72 Months (> $20,000) |
| Used RV, Boat or ATV | As Low As | 6.74% | Up to 84 Months (> $40,000) |
| Used RV, Boat or ATV | As Low As | 7.24% | Up to 120 Months (> $40,000) |
| Used RV, Boat or ATV | As Low As | 7.74% | Up to 180 Months (>$60,000) |
*APR=Annual Percentage Rate. Ex: New RV, Boat, ATV Loan Amount $20,000, Term Amount=72 Months, APR=6.74%, Payment=$338.48; Used RV, Boat, ATV Loan Amount $20,000, Term Amount=72 Months, APR=6.74%, Payment=$338.48. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
Secured Loans
| Type | Rates | APR* | Additional Info |
|---|---|---|---|
| Share Certificate Secured | Current Share Certificate Rate | Plus 1.00% | |
| Share Secured | Current Share Savings Rate | Plus 1.00% |
*APR=Annual Percentage Rate. Share Savings Secured Loans are not credit score based. Actual rate will be 1.00% over the current Share Certificate rate or Share Savings rate. APR fixed. Term of loan will be determined by amount borrowed. Ex: Share Saving Secured Loan at Loan Amount=$10,000, Term=60 Months, APR=1.05%, Payment=$171.17. Share Certificate Secured Loans are not credit score based. Actual rate will be 1.00% over the current Share Certificate rate. Loan maturity date will not extend past Share Certificate maturity date. Ex: Share Certificate Loan Amount=$10,000, Term=60 Months, APR=4.14%, Payment=$184.04. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
Home Equity Line of Credit
| Type | Rates | APR* | Additional Info |
|---|---|---|---|
| Home Equity Line of Credit - HELOC | Please Call | (614) 431-0784 | (800) 282-3006 |
Call our office or click for HELOC Application and Disclosures.
Call (800) 282-3006 or 614-431-0784 option 5 to request an application or, to obtain further information and ask questions.
*APR=Annual Percentage Rate.
Personal Line of Credit
| Type | Rates | APR* | Additional Info |
|---|---|---|---|
| Education Line of Credit | As Low As | 8.50% | -- |
| Overdraft Line of Credit | -- | 15.00% | (Rate not credit score based) |
| Signature Line of Credits | As Low As | 9.99% | -- |
APR=Annual Percentage Rate. Signature Line of Credit, +Education Line of Credit - As low as rates are based on credit history, credit qualifications and approval. Actual rate will be determined by actual credit score. Rates are fixed for the life of the open plan and will not increase while plan is open. Overdraft Line of Credit Plans are not credit score based. Actual rate will be 15.00% APR for the life of the open plan. All borrowers subject to credit qualifications, approval and must have a checking account in good standing with SHPFCU. Education Line of Credit and Signature Line of Credit loan limit is $10,000. Overdraft Line of Credit loan limit is $500. Minimum Payment Calculation for Overdraft/LOC: The minimum payment will be $10.00 per month. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
Mortgages
| Type | Rates | APR* | Term (Months) |
|---|---|---|---|
| Mortgage Loans | Please Call | (614) 431-0784 | (800) 282-3006 |
Call (800)282-3006 or 614-431-0784 option 5 to request an application or, to obtain further information and ask questions.
Personal Loans
| Type | Rates | APR* | Term (Months) |
|---|---|---|---|
| Debt Restructure Loan | As Low As | 11.59% | Up to 60 Months |
| Life Happens Loan | Limit up to $2,500 | 13.00% | Up to 12 Months |
*APR=Annual Percentage Rate. Debt Restructure Loans-As low as rate is based on credit history, credit qualifications, and approval. Actual rate will be determined by actual credit score. Term of loan will be determined by amount borrowed. Maximum limit is $20,000. All consolidated debt must be paid off and closed with this loan program. Rates, terms, and conditions may apply and are subject to change without notice. Example Payment: Debt Restructure Loan Amount=$20,000, Term=60 Months, APR=11.59%, Payment=$441.01. Life Happens Loan- Loan approval is subject to credit qualifications. Rates, terms, and conditions may apply and are subject o change without notice. Example Payment: Life Happens Loan Amount=$2,500, Term=12 Months, APR=13.00%, Payment=$223.38. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
Untitled Collateral
| Type | Rates | APR* | Term (Months) |
|---|---|---|---|
| Untitled Collateral Loan | As Low As | 10.99% | Up to 48 Months |
*APR=Annual Percentage Rate. +++Untitled Collateral Loan-As low as rate is based on credit history, credit qualifications, term of loan and approval. Actual rate will be determined by actual credit score. Term of loan will be determined by amount borrowed. New collateral only. Maximum credit limit is $15,000. Rates, terms, and conditions may apply and are subject to change without notice. Ex: Untitled Collateral Loan Amount=$15,000, Term=48 Months, APR=10.99, Payment=$387.57. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.