Vehicle Loans:

Great deals are available on new and used vehicles!  The credit union is offers a low 4.9% APR on financing of vehicles less than five years of age, whether the loan is for a purchase or a refinance from another financial institution.  We offer FREE printouts of the vehicle of your choice, which shows the dealers actual invoice prices.  For used vehicles we can provide a Kelley Blue Book printout.  Knowing the value of the vehicle you're buying, combined with a pre-approved loan, puts you in a strong bargaining position.  In addition, we offer a fleet discount program through IFMA.  However, the credit union does not finance vehicles with a "Salvaged Title", "Lemon Law Buyback Title" or a "Warrantee Return Title."

Classic VISA Card:

Our Classic VISA card program features a low fixed 10.5% APR, a 25-day grace period for finance charge accrual on purchases and NO ANNUAL FEE!  Your SMW 104 Federal Credit Union Visa Classic card can be used to transfer the balance from other high rate credit cards.  Please call the credit union for a balance transfer form.  If you believe your Visa Classic has been lost or stolen, or if you believe someone is using the card without your permission, immediately notify the credit union by calling 800 464-5987.  On weekends, holidays or after credit union hours call 800 682-6075.

Platinum VISA Card:

Our Platinum VISA cards features an extremely low fixed 7.9% APR , a 25-day grace period for finance charge accrual on purchases and NO ANNUAL FEE!   Your SMW 104 Federal Credit Union Visa Platinum Visa card can be used to transfer the balance from other high rate credit cards.  Please call the credit union for a balance transfer form. If you believe your Visa Platinum has been lost or stolen, or if you believe someone is using the card without your permission, immediately notify the credit union by calling 800 464-5987.  On weekends, holidays or after credit union hours call 800 682-6075.

Boats, Travel Trailers, 5th Wheels and Motor Homes:

Is there a recreational vehicle or a toy hauler in your future?  Let us show you how affordable financing your RV can be.  Looking for a boat?  We offer financing on both new and used boats.

Motorcycle Loan:

Got your heart set on a Harley?  We offer competitive financing on new and used motorcycles.  We do not offer financing on dirt bikes. 

Computer Loans:

Looking to buy a computer?  Your credit union can finance up to $5,000 for a maximum of 36 months at 10.0% APR.  We can finance both the computer and its peripherals.

Savings Secured Loans:

Have you ever had the money to buy something but didn't want to deplete your savings?  This loan enables you to borrow against your savings at a low rate and continue to earn dividends on the entire balance in your account.

Double Dollars Loans:

You can borrow double the amount in your savings with a double dollars loan.  The APR is 8.9%, term 60 months maximum and maximum loan of $20,000.

Signature Loans:

See us for low rate unsecured loans up to $10,000 and a maximum term of 60 months at a low rate at 12.% APR. 

Second Deed Of Trust Loans:

Upon qualification, we will loan up to 80% of the market value of your home, minus what you owe on your first mortgage up to a maximum loan of $250,000.  The home must be your primary residence located in California.  The rate is fixed and tiered depending on the term you select.  The current rate is 6% for five years, 7% for ten years and 8% for fifteen years.

Home Equity Line Of Credit {HELOC} Loans:

Do you have credit card bills you would like to consolidate?  Maybe your looking to do some home remodeling.  If your primary residence is located in California, then maybe a HELOC is what you need?  Upon qualification, we will loan up to 80% of the market value of your home, minus what you owe on your first mortgage up to a maximum loan of $250,000.  The rate is variable and is based on the Prime Rate and adjusted semi-annually.