SOUTHWEST COMMUNITIES FEDERAL CREDIT UNION
  • About
    • About Us
    • Membership & Eligibility
    • Join My Credit Union
    • Hours & Location
    • Contact Us
  • Products & Services
    • Personal Banking >
      • Main Share Account
      • Choice Checking
      • Mastercard Debit Card
      • Christmas & Vacation Club Accounts
      • Youth Account
      • Certificates of Deposit (CD)
    • Lending >
      • Signature/Personal Loan
      • New & Used Auto Loan
      • VISA Credit Card
      • Home Loans
      • Secured Loan
      • Smart Option Student Loan by Sallie Mae®
    • Services >
      • Online Services >
        • New Online Banking System
      • Reorder Checks
      • Loan Payment Calculator
      • Love My Credit Union Rewards
  • Rates
    • Rates
    • Fee Schedule
  • Login
  • News & Resources
    • Announcements
    • Newsletters
    • Holiday Closings
    • Financial Statements
    • Useful Links
  • Apply Now
Home > Rates 

Savings & Loan Rates

Share Account Rates

Share Account rates effective January 1, 2023.  Dividends will pay January 31st, 2023. 
Account Type
Annual Percentage Yield
Notes
​Main Shares
0.05%
$25.00 minimum balance required
Christmas Club
0.05%
 
Vacation Club
0.05%
  
Health Savings
0.05%
  
IRA
0.05%
 
Premium Checking
0.05%
No minimum balance required  

Certificates of Deposit (CD)

CD rates effective January 12, 2022.  CD Rates subject to change on Wednesdays.
Term
Annual Percentage Rate
Annual Percentage Yield
6 Month
0.05%
0.05%
12 Month
0.10%
0.10%
24 Month
0.15%
0.15%
36 Month
0.20%
0.20%
60 Month
0.20%
0.20%
$500.00 Minimum CD Balance is Required. 
Early Withdrawal Penalty for CD's up to 6 months is 90 days dividends.  Early Withdrawal Penalty for CD's with terms of 12 months and over are 180 days dividends. 

Loan Rates​*

​All loan rates effective January 1, 2023.  
All rates shown based on "A" credit score (720 or higher)

Signature/Personal Loan Rates

Loan Type
Term
Annual Percentage Rate
Value
Standard
up to 60 months  
10.50%
Maximum loan is 15% of income, not to exceed $10,000
Seasonal Special
up to 12 months
7.25%
​Maximum loan amount $2000
Click Here to Apply Now

New Auto Loans (2023-2021 Model Years Only*)

Term
Annual Percentage Rate
Notes
up to 48 months
as low as 4.75%
  
up to 60 months
as low as 5.00%
Value
up to 72 months
as low as 5.50%
Value of vehicle must be over $20,000
up to 84 months
as low as 6.00%
New Title Only.  Value of vehicle must be over $25,000.
*New title only or Dealer Demo with 5,000 miles or less

Used Vehicle Loans

Year
Term
Annual Percentage Rate
Notes
2023-2019
up to 48 months
as low as 5.25%
  
  
up to 60 months
as low as 5.75%
 
   
up to 72 months
as low as 6.25%
Value of vehicle must be over $20,000.
2018 - 2016 (80% NADA Value)
up to 48 months
as low as 6.00%
  
  
up to 60 months
as low as 6.50%
Value of vehicle must be over $20,000.  
2015 & older (80% NADA Value)
up to 36 months
as low as 6.75%
  
  
up to 48 months
as low as 7.50%
Loan must be over $20,000
Antique & Classic Vehicles**
up to 48 months
as low as 4.75%
 **  
  
up to 60 months
as low as 5.25%
**  
   
up to 72 months
as low as 5.75%
**  
   
up to 84 months
as low as 6.25%
**  
Used vehicle loans will be up to 80% of the NADA retail value of the vehicle. 
** All Antique & Classic Vehicles maximum loan value not to exceed insured appraisal & must carry insurance equal to loan.  All Antique & Classic Vehicles must conform to PA Department of Transportation's rules and regulations to qualify.

Click Here to Apply Now

Home Equity Loans

Loan Type
Term
Annual Percentage Rate
Notes
Loan
1 - 60 months
as low as 4.75%
***
  
61 - 120 months
as low as 5.00%
***
   
121 - 180 months
as low as 5.25%
***
Line of Credit
up to 60 months
5.00%
  Variable Rate
***Home Equity Loans maximum loan to value 80% of equity.
Click Here to Apply Now

Share Secured Loans

Annual Percentage Rate
Notes
Minimum 5.00%
Rate charged will be 2% above item being used as security for loan and rounded to the nearest 1/10th basis point.  Examples of security include regular share account or certificates of deposit. 
Click Here to Apply Now

VISA Credit Cards

Type
Annual Percentage Rate
Notes
VISA Classic
​10.90%
Must have credit score over 639.
VISA Classic - Balance Transfer
7.00%
 
​VISA Platinum
​8.95%
Must have credit score over 679.
​*Credit Based Lending.  Lending rates are based on FICO Credit Score at time of application, with the exception of Covered-by-Shares loans. 

Click Here to Apply Now

Estimate Your Monthly Payment with our Loan Calculator!

Home

Contact

News

Login to
​Home Banking

ATM Locator

Credit card account access

Privacy Policy


Picture

SouthWest Communities Federal Credit union

​A community way of banking, Where our members are our strength.


Main Office Hours

M-F: 8:30 am - 4pm

Telephone

412-276-5379

Email

bheil@swcfcu.org


For purposes of convenience, SouthWest Communities Federal Credit Union's site contains links to third party web sites. SouthWest Communities Federal Credit Union makes no representations or warranties about any third party web site that you may access through the links. By providing a link to those web sites, SouthWest Communities Federal Credit Union does not endorse, adopt, or otherwise accept any responsibility for the content or use of those web sites.
©2023 SouthWest Communities FCU.   Routing #243380040

NCUA, National Credit Union Association, a U.S. Government Agency LOGO
Equal Housing Lender Logo
Picture
  • About
    • About Us
    • Membership & Eligibility
    • Join My Credit Union
    • Hours & Location
    • Contact Us
  • Products & Services
    • Personal Banking >
      • Main Share Account
      • Choice Checking
      • Mastercard Debit Card
      • Christmas & Vacation Club Accounts
      • Youth Account
      • Certificates of Deposit (CD)
    • Lending >
      • Signature/Personal Loan
      • New & Used Auto Loan
      • VISA Credit Card
      • Home Loans
      • Secured Loan
      • Smart Option Student Loan by Sallie Mae®
    • Services >
      • Online Services >
        • New Online Banking System
      • Reorder Checks
      • Loan Payment Calculator
      • Love My Credit Union Rewards
  • Rates
    • Rates
    • Fee Schedule
  • Login
  • News & Resources
    • Announcements
    • Newsletters
    • Holiday Closings
    • Financial Statements
    • Useful Links
  • Apply Now