1APR = Annual Percentage Rate. Offer valid on loans new to SCU. Rates are determined by your personal credit history. Payment based on $5,000.00 for 24 months is $222.73 and finance charge is $345.28. Offer may be withdrawn at any time and rates may change at any time without notice. Rates as low as 8.0% require automatic payments from a Southbridge Credit Union checking account. The rate for non-automatic payments is 6.75%. In the event of cancellation of automatic payments from SCU account after loan consummation, SCU may increase your loan interest rate by .25% APR. Risk based pricing does apply to this par rate. Membership to SCU requires a one-time interest-earning deposit of $5.00 in a prime share account. Equal Housing Opportunity. Equal Opportunity Employer. Federally insured by NCUA. NMLS #616673.