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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 mortgage1. Maximum draw period is 5 Years and with Interest only during the first 5 years. Maximum interest rate is 18.00%. Refundable Application Fees2 and very low closing costs.

1Member may be responsible for Appraisal Costs

2The application and apraisal fee will be refunded if a member qualifies for the loan and accepts the proceeds of the loan. If a member does not qualify or does not accept the proceeds of the loan the application fee will be fortfeited. In Addition to the foregoing charges and fees, member must pay all mortgage tax fees with this loan. All other fees assosiated with this loan will be paid by the Credit Union

  • Member Business Loans: Loans for residential buildings up to 50 units and non-owner occupied residences, Commercial Real Estate, and Vacant Land Loans (currently not offered).


Current Rates


Personal and Auto 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.


Current 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 ATMs 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:



* 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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