Loan Products
Sunflower Community Credit Union offers a wide range of loans to meet your needs. They include: Home Equity, New and Used Auto, Motorcycle, Boats, RV, Signature, Credit Cards, Share/Certificate Secured, Christmas, and Refund Anticipation Loans.
Home Equity Lines of Credit
Open-ended variable rate line of credit loan by which the borrower’s home is used as collateral. Closing costs will range from $50 to $750. These loans feature a minimum 4% APR* and a maximum 18% APR*. The rate is based on the 26 week treasury rate plus a 4.5% margin. The rate will adjust semi-annually on June 1st and December 1st. The rate will not increase or decrease by more than .5% at each rate determination.
New Vehicle/ Boat/ Motorcycle
Loan term is 60 months but may be extended. Interest rate starts at 3.0% and may be higher depending on credit score. We will loan up to 100% of the MSRP plus signature value.
Used Vehicle/ Boat/ Motorcycle
Collateral value is based on the average trade-in value from NADA Guide. The interest rate is based on the year of vehicle & credit score. Please see rate page or contact us for more information. Loan term is as follows:
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1-2 yrs old—60 months
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3-4 yrs old—54 months
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5-6 yrs old—42 months
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7-8 yrs old—30 months
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9 yrs & over—24 months
Signature
Our signature loans are a great way to pay for those new appliances, vacation, or personal expenses. These loans are unsecured and are for a term of 12 months and up to $4,000. Rates & terms vary depending on your credit score.
Credit Card
Features of our credit cards include: $0 cash advance fee, $0 balance tranfer fee, $0 annual fee, $0 over-the-limit fee, 4.9% introductory APR*, automatic payment and over the counter payments at the credit union. Members with excellent credit scores receive our premium APR* of 9.9%.
Shares Secured
Continue to earn dividends and enjoy a low loan rate at the same time!! Just borrow against your own shares and pay only 3% above the current share dividend rate.
Certificate Secured
This loan is about the same as a shares secured loan except you may use a certificate to secure the loan. Interest rate is 3% above current certificate rate.
Christmas
Offered Nov.1- December 23
Christmas can be an overwhelming time of the year so to help you enjoy the holiday, we offer this loan special. Current Christmas loan special is $1000 at 10% APR* for 10 months.
Refund Anticipation Loan
This is another great service that we offer. We will loan you your tax refund less a small fee (approximately 1% of refund). Just call or stop in for more information.