Loan Loyalty Benefit Program
Thank you for choosing us for your lending needs.
We’re always looking for ways to show appreciation to our members
As you grow your financial relationship with us, you may qualify for special benefits.
Get up to $225 cash back on a Visa credit card
You get bonus uChoose reward points when you get a new Visa credit card with us. The amount of reward points is based on your existing total loan balances as shown below.
|
Existing loan balance |
Bonus reward points |
Gift card and merchandise value of reward points |
|---|---|---|
|
Existing loan balance $10,000 – $50,000 |
Bonus reward points 5,000 |
Gift card and merchandise value of reward points $50 |
|
Existing loan balance $50,001 – $100,000 |
Bonus reward points 10,000 |
Gift card and merchandise value of reward points $100 |
|
Existing loan balance $100,001 – $250,000 |
Bonus reward points 20,000 |
Gift card and merchandise value of reward points $200 |
|
Existing loan balance $250,001 or above |
Bonus reward points 25,000 |
Gift card and merchandise value of reward points $250 |
Get a rate discount on consumer loan products
Consumer loan discounts can save you hundreds or even thousands of dollars over the life of your loan. The amount of the discount varies based on your existing total loan balances as shown below.
|
Existing Loan Balances |
Loan Discount |
|---|---|
|
Effective as of February 19th, 2026. |
|
|
Existing Loan Balances $10,000 – $50,000 |
Loan Discount 0.25% |
|
Existing Loan Balances $50,001 – $100,000 |
Loan Discount 0.50% |
|
Existing Loan Balances $100,001 – $250,000 |
Loan Discount 0.75% |
|
Existing Loan Balances $250,001 or above |
Loan Discount 1.00% |
For example, say you have $60,000 in loans with Seattle Credit Union and apply for a new car loan with a regular APR of 5.74%. With the Loan Loyalty Benefit, you would receive a 0.50% APR rate reduction, making your new loan 5.24% APR for the life of loan.
The following loan types are eligible for the loan discount program**:
- Auto/Motorcycle (new and used)
- Boat
- RV
- Personal
- Recreation
- Citizenship
- Restart and New Start Auto
Receive lender credit or appraisal rebate
You may qualify for a discounted or free home appraisal based on your existing loan balances with us. This rebate is available for first and second mortgages.
|
Existing Loan Balance |
Appraisal Rebate |
|---|---|
|
Existing Loan Balance $10,000 – $50,000 |
Appraisal Rebate 25% |
|
Existing Loan Balance $50,001 – $100,000 |
Appraisal Rebate 50% |
|
Existing Loan Balance $100,001 – $250,000 |
Appraisal Rebate 75% |
|
Existing Loan Balance $250,001 or above |
Appraisal Rebate Free |
For example, if you apply for a mortgage and your aggregate loan balances with Seattle Credit Union total $130,000, you will receive 75% off your home appraisal, which can be a significant savings.
We have a variety of mortgage products to fit your needs including ITIN home loans, VA loans, FHA loans, first-time homebuyer loans, jumbo loans and more.
Disclosures
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*LOAN LOYALTY PROGRAM DISCLOSURES AND RULES – Seattle Credit Union has no obligation with respect to the Program beyond those described in its Loan Loyalty Program disclosures, rules and eligibility requirements. Participation in the Program is subject to the terms and conditions, rules, regulations, policies, and procedures (“Program Rules”) Seattle Credit Union may, at its discretion, adopt from time to time. Seattle Credit Union may amend the Program Rules at any time without notice. Seattle Credit Union has the sole discretion to interpret and apply the Program Rules. Seattle Credit Union reserves the right to cancel, modify, restrict, or terminate the Program, or any aspects or features of the Program at any time without prior notice. Seattle Credit Union members in good standing are eligible to participate in the Program. Participation in the Loan Loyalty Program may be suspended at Seattle Credit Union’s sole discretion.
**Loan types that are not eligible for the consumer loan discount include credit cards, mortgages, lines of credit, Lifeline loans, Lightning loans, Rate Genius/Auto Approve/Gravity/Upstart loans and share secured loans.