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Mortgages & Loans


SUMA’s Sweet Holiday Loan Deal


Holiday loan promotion ends January 31, 2018.

A Holiday Loan is a great option if you need help getting ready for the upcoming holidays! Plus, our Holiday Loan can be used for more than just holiday expenses - take your dream vacation, complete home improvement projects, pay off debt and more!

A SUMA FCU Holiday Loan can help you pay for holiday gifts, travel, home, repairs or anything you may need this holiday season.

Borrow up to $3,000 for 12 months at 7.49% APR*.

A loan amount of $3,000 for 12 months at 7.49% APR will result in these monthly payments**

Payment Amount Principal Interest Balance
1 260.26 241.53 18.73 2,758.47
2 260.26 243.04 17.22 2,515.43
3 260.26 244.56 15.70 2,270.87
4 260.26 246.09 14.17 2,024.78
5 260.26 247.62 12.64 1,777.16
6 260.26 249.17 11.09 1,527.99
7 260.26 250.72 9.54 1,277.27
8 260.26 252.29 7.97 1,024.98
9 260.26 253.86 6.40 771.12
10 260.26 255.45 4.81 515.67
11 260.26 257.04 3.22 258.63
12 260.24 258.63 1.61 0.00


*APR = Annual Percentage Rate. Rates are for qualified applicants and are subject to credit approval. Rates may vary depending on credit, loan amount and loan term.
This is a limited time offer Applications must be received by January 31, 2018.

**These assumptions are subject to change without notice. Rate and APR may be adjusted based on several factors including, but not limited to, loan amount, documentation type, and your credit score.


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.


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.


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:



* 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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