Existing Money only

4.10%APY^¹ for 10 months

3.75%APY^¹ for 16 Months

New Money only - up to $25,000

4.25%APY^¹ for 10 Months
4.00%APY^¹ for 16 Months

Contact Us to Open 

¹APY = Annual Percentage Yield. Rates effective as of March 17, 2025. 4.10% APY is valid on the special 10-month Share Certificate and 3.75% APY is valid on the special 16-month Share Certificate. These special rates require a minimum balance of $1,000 with the maximum balance is $250,000 in existing funds only. 4.25% APY is valid on the special 10-month Share Certificate and 4.00% APY is valid on the special 16-month Share Certificate. These special rates require a minimum balance of $1,000 with the maximum balance is $25,000 in new funds only. Promotional rates are limited to one special share certificate per social security number. Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal. This is a limited-time offer and may be canceled at any time without notice. Other terms and conditions may apply. See credit union for details. This credit union is federally insured by the National Credit Union Administration.

Pay Only $229 a month for a $25,000² Loan

Funds within 2 days after loan approval*

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²Rate and term effective as of March 17, 2025, and may be canceled at any time without notice. Current rate and term offered for credit scores 680 or higher. For example, the monthly payment on a $25,000, 180-month home improvement loan at 7.49% APR is $228.07. Rate may vary and will be determined by your credit score. An unsecured Scient home improvement loan is for home improvements only on a primary, single family residency. A bid/material list must be provided. Other restrictions may apply. *Funds should be made available within (2) business days after the loan is approved if all required loan documents are received. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender.

rates as low as 5.99%APy³ for 12 months

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³APR= Annual Percentage Rate. 10-year draw period. Promotional rate will apply for 12 months from loan opening date. After that period, rate will increase to a variable rate of interest as low as Prime Rate minus 0.50% OR floor of 4.00%, whichever is greater. After promotional period, rate will never go below 4.00% and will never go above 18.00%. As of March 12, 2025 the prime rate is 7.50%. Owner-occupied Primary Residences only. Up to 80% Total Loan-to-Value for qualified loan.$250,000 maximum. All loans are subject to credit approval. Your overall creditworthiness may determine interest rate and line amount available to you. Fees and charges may apply. If you close your HELOC account within 24 months after it is opened, you will be required to promptly repay Scient the Third-Party Closing Costs. Offer valid from September 9, 2024 and may be canceled at any time without notice. Existing Scient home equity lines/loans are not eligible for refinance with this promotion. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender.