Limited time low or no closing cost offers
We're pleased to offer low or no closing costs on qualifying 5/1 and 10/1 Adjustable Rate 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 costs1|
|Term||$100,000 or more||$75,000 or more||$50,000 or more|
|5/1 Adjustable Rate Mortgage||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 Mortgage||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 costs2|
|As low as 4.75% APR2||SCCU pays 100% of closing costs|
1APR=Annual Percentage Rate. Adjustable Rate 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.
2APR=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 10/04/2019. Membership Eligibility Required. Federally Insured by the NCUA. Equal Housing Opportunity.
The purchasing power of zero
Pay down high-interest debt. Enjoy a special low 0% introductory APR* for 18 billing cycles on purchases and balance transfers. Thereafter, a variable APR, currently 13.99%-22.99%*, when you apply for a Visa® Platinum Card or a Visa® Business Card by May 31, 2020.
Use your card for everyday purchases, last minute necessities, or large purchases. No annual fee*. Enjoy great benefits. Stop by your nearest branch of SCCU to apply today.
*The 0% introductory APR applies to Purchases and Balance Transfers and is valid for the first 18 billing cycles. The 0% introductory APR applies to Balance Transfers made within 558 days of account opening and is valid for the first 18 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 08/16/19, the undiscounted variable APR for Purchases and Balance Transfers is 13.99%-22.99% (based on your creditworthiness). Business Card: The variable Penalty APR is 29.49%. The introductory APR will end early and increase to the Penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. Platinum Card and Business Card: The variable APR for Cash Advances is 25.99%. 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. Platinum Card: 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. Business Card: We apply your payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Platinum Card and Business Card: 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 and Visa Business Card accounts with this Financial Institution and the application must be submitted by May 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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