Saint Michaels Federal Credit Union

Lending Interest Rates

Type of Loan Max Loan Amount APR Term Min. Down Payment Example Monthly Payment per Thousand Borrowed
Personal/Unsecured (as low as)
$5,000.00
7.50
12 mos
none
86.99
Personal/Unsecured (2 signatures) (as low as)
$10,000.00
7.50
24 mos
none
45.34
7.50
36 mos
none
31.57
7.50
48 mos
none
24.77
7.50
60 mos
none
20.76
Auto Loans (new) as low as
$40,000.00
3.50
60 mos
none
18.19
Used Auto 2017 (as low as)
$40,000.00
4.25
60 mos
20%
18.52
    • APR = Annual Percentage Rate
    • APY = Annual Percentage Yield
    • Rates Accurate as of 11/04/21
    • All rates are subject to change without notice. Please contact a member service representative at (508) 674-3861

* No Down Payment for New Cars Requires 2 signatures * Trade In can be used as down payment * Rates listed is for A credit, please call for other rates.