Limited time low or no closing cost offers
We're pleased to offer low or no closing costs on qualifying mortgages as well as Home Equity Line of Credit loans (HELOCs). See details below. Apply online or give us a call at (800) 569-4167 to make an appointment to discuss options. Click here to learn more about all of the mortgage services that Superior Choice Credit Union has to offer.
|Mortgages with low or no closing costs|
|Term||$100,000 or more||$75,000 or more||$50,000 or more|
|5/1 Adjustable Rate Mortgage1||SCCU pays 100% of closing costs||SCCU pays up to $500 of closing costs||SCCU pays up to $250 of closing costs|
|10/1 Adjustable Rate Mortgage1||SCCU pays 100% of closing costs||SCCU pays up to $500 of closing costs||SCCU pays up to $250 of closing costs|
|30-Year, In-House Fixed Rate Mortgage1,2||SCCU pays 100% of closing costs||SCCU pays up to $500 of closing costs||SCCU pays up to $250 of closing costs|
|Home equity line of credit with no closing costs3|
|As low as 4.75% APR3
||SCCU pays 100% of closing costs|
1 Mortgage rates change daily, please call 1-800-569-4167 for current rates. Rates are based on a 60-day rate lock. Promotional rates and offers are for a limited time only and are subject to change or discontinue at any time. Special offers are only eligible for mortgages not currently held in Superior Choice Credit Union’s in-house mortgage portfolio. The discounted closing costs do not include prepaid interest or escrow reserves.
2 Fixed-rate discounted closing costs promotion requires member to establish a Superior Choice Credit Union checking account with an Automated Funds Transfer (AFT) mortgage payment.
3 APR=Annual Percentage Rate. Promotion is for a limited time only and offer is subject to change or discontinue at any time. Rate posted is the lowest possible rate and may vary depending on credit history, down payment, and approximate term. This is a variable rate loan which can adjust no more than 2 percentage points on the annual date of taking out the loan. Property insurance is required to take out a Home Equity Line of Credit. Closing costs will be paid by SCCU for advances of $10,000.00 or more.
Promotions and rates effective as of 02/04/2020. Membership Eligibility Required. Federally Insured by the NCUA. Equal Housing Opportunity.
Zero adds up BIG with an extended introductory period!
Enjoy a special low 0% introductory APR* for 20 billing cycles on purchases and balance transfers. Thereafter, a variable APR, currently 13.49%-22.49%*, when you apply for the Visa® Platinum Card by August 31, 2020.
Enjoy big savings with this card:
- Pay down high-interest balances
- Save on interest
- No Annual Fee*
Stop by your nearest branch of SCCU or call us to apply today!
*The 0% introductory APR applies to Purchases and is valid for the first 20 billing cycles. The 0% introductory APR applies to Balance Transfers made within 620 days of account opening and is valid for the first 20 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 01/31/2020, the undiscounted variable APR for Purchases and Balance Transfers is 13.49%-22.49% (based on your creditworthiness). The variable APR for Cash Advances is 25.49%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. This offer is valid only for new Visa Platinum consumer card accounts with this Financial Institution and the application must be submitted by August 31, 2020, through a branch office or call center.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
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