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Mortgages & Loans

  

 

When you need to borrow money, SUMA Federal Credit Union is the right place and the smart place.
At a time when many banks are making fewer loans, and even those loans are harder to get, we continue to offer a large variety of loan products and options from our great rate car loans to our low, fixed rate home mortgages.
Borrowing money is always an important decision... borrow smart, borrow here!

Real Estate Loans

Applying for a mortgage can be confusing; there are so many types offered, as well as different rates and payments. Our experienced staff can quickly and effectively guide you to the right mortgage with the right terms.

  • Conventional Loans: Multiple terms with both Fixed and Adjustable Rate Loans.
  • First Time Home Buyer: We offer first time buyer programs with just 10% down and no PMI for qualified borrowers.
  • Home Equity Line of Credit: If you need the flexibility of access to funds for expenses now and in the future, a home equity line of credit could be the right option for you. Borrow up to 80% of the value of your home, including first mortgage*. Maximum draw period is 5 Years and with Interest only during the first 5 years. No points, No Application Fees, and very low closing costs.
    *Member may be responsible for Appraisal Costs.
  • Member Business Loans: Loans for residential buildings up to 50 units and non-owner occupied residences, Commercial Real Estate, and Vacant Land Loans.

Calculators

Current Mortgage Rates

 

Personal Loans

A new car, a boat, a computer, a vacation, you name and we can build a Loan Program to meet your needs and exceed your expectations. Loans are available for any worthwhile purpose and repayment terms are always set to meet your budget.

  • New and Used Auto Loans: Buying that new or used car or truck can become a reality at SUMA FCU. You find the vehicle that’s right for you and we’ll work out the financing.  
  • Debt Consolidation Loan: Take control of your finances. If you are currently making payments on credit cards and other types of debt, consolidating with us will save you time and money. Personal Loans or Pledge of Shares Loans may be the right choice for you.

Calculators

Current Loan Rates

 

Credit Cards

We offer VISA CREDIT CARDS for qualified members. Our NO FEE Visa Credit Card is the most accepted credit card in the world. It provides cash advances at automated tellers and financial institutions worldwide. If you have no credit history, consider our secured VISA Credit Cards. All regular and secured credit cards of the same class have the same features. We also offer a ScoreCard® CashBack & ScoreMore?? Rewards Program.

Our philosophy is not to make money on fees, but to encourage the responsible behavior. That's why ALL our cards work for you:

 No annual fee  Same APR for purchases and cash advances
 No penalty rates  No balance transfer fee
 5 days grace period for late payments  No cash advance fee
 Low late payment fees  Fixed APR
 Low international transaction fees  Fraud protection – ZERO fraud liability

 

 

VISA Classic

VISA Business Platinum

Rate (Fixed) for Purchases* 9.00% 10.95%
Rate (Fixed) for Balance Transfers* 9.00% 10.95%
Rate (Fixed) for Cash Advances* 9.00% 10.95%
Annual Fee No No
Balance Transfer Fee** No No
Cash Advance Fee** No No
Penalty Rate No No
Grace Period for late payments 5 days 5 days
Late Payment Fee $10.00 $20.00
International Transaction Fees:    
  • multiple currency transaction in USD
1.00% 1.00%
  • single currency transaction in USD
0.80% 0.80%
Minimum Credit Limit $250.00 $1,000.00
Maximum Credit Limit*** $10,000.00 $10,000.00
Fraud Protection ZERO Fraud Liability ZERO Fraud Liability
Rewards

Automatic ScoreCard CashBack & ScoreMore:

  • Yearly Purchases* of up to $1,000 earn 0.25% CashBack Bonus
  • Yearly Purchases between $1,001 - $2,000 earn 0.50%
  • Yearly Purchases between $2,001 - $3,000 earn 0.75%
  • Yearly Purchases above $3,000 earn 1.00%

*Qualified purchases do not include cash advances, balance transfers, convenience checks or returns.

No expiration and no limit on the amount of CashBack you earn

Shopping discounts, coupons, additional bonus CashBack, and gift cards with ScoreMore**

** Go to ScoreCard CashBack rewards and click on ScoreMoreTM link.

Automatic ScoreCard CashBack & ScoreMore:

  • Yearly Purchases* of up to $1,000 earn 0.25% CashBack Bonus
  • Yearly Purchases between $1,001 - $2,000 earn 0.50%
  • Yearly Purchases between $2,001 - $3,000 earn 0.75%
  • Yearly Purchases above $3,000 earn 1.00%

*Qualified purchases do not include cash advances, balance transfers, convenience checks or returns.

No expiration and no limit on the amount of CashBack you earn

Shopping discounts, coupons, additional bonus CashBack, and gift cards with ScoreMore**

** Go to ScoreCard CashBack rewards and click on ScoreMoreTM link.

Additional Free Benefits SMSGuardian – real-time identity theft protection via text messages SMSGuardian – real-time identity theft protection via text messages
Requirements For Regular Credit Card: Valid SSN, Good Credit For Regular Credit Card: Valid SSN for the owner(s) of business, Good Credit
  For Secured Credit Card: Valid SSN or Tax ID Number, $250.00 Minimum Credit Line, Pledge of Shares Agreement For Secured Credit Card: Valid SSN or Tax ID Number for the owner(s) of business, Pledge of Shares Agreement
 

 

* APRs for purchases, balance transfers and cash advances are the same. Rates are subject to change.
** We begin charging interest on cash advances and balance transfers on the transaction date.
*** Certain limitations and restrictions apply. Contact our Member Service Team at (888) 644-7862 for additional information.

 

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