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RATES AND YIELDS |
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As of January 1st , 2011
(Rates May Change Without Notice)
Click here for a Printable Rate Sheet |
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Div.
Rate |
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APY* |
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- SavingsPlus and IRA SavingsPlus (Rates
may change without notice.)
Minimum
balance of $2,000.00. Dividends are calculated by the
average daily balance method, compounded and paid
monthly. All rates apply to IRA Savings Plus and may
additionally be subject to IRA penalties for early
withdrawal. |
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Savings Plus and IRA Savings
$2,000 - $19,999.99 |
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0.250% |
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0.25% |
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Savings Plus and IRA
Savings
$19,999.99 - $74,999.99 |
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0.350% |
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0.35% |
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Savings Plus and IRA
Savings
$75,000 and over |
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0.399% |
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0.40% |
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- Regular and Special Savings
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0.150% |
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0.15% |
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0.200% |
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0.20% |
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- Christmas & Vacation Club Accounts*
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0.150% |
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0.15% |
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0.100% |
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0.10% |
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0.000%
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0.00%
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0.499% |
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0.50%
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*
Interest Plus Checking must maintain min bal of $1000 to
earn interest.
**Savings are federally insured to at
least $250,000 and backed by the full faith and credit of
the United States Government. |
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-
Term Savings and IRA Certificates (Rates may change without
notice.)
Minimum deposit is $1000. Dividends
are calculated by the average daily balance method,
compounded and paid monthly. No additional deposits are
allowed and substantial penalty for early withdrawal. All
rates apply to IRA certificates and may additionally be
subject to IRA penalties for early withdrawal.
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6 months
12 months
18 months
24 months
36 months
48 months
60 months |
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0.549%
0.698%
0.797%
0.995%
1.489%
1.982%
2.472% |
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0.55%
0.70%
0.80%
1.00%
1.50%
2.00%
2.50% |
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LOAN RATES |
Interest Rate Pricing Tiers
(Based Upon Credit History and
Credit Bureau Scores)
For average car prices check NADA
website
| New
Auto (2011-2005) | As low
as 2.99% APR* |
| Used
Auto (2004 and older) |
As low as 6.9% APR * |
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Motorcycles, Boats, RVs |
As low as 2.99% APR * |
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| Line of
Credit, Signature Loans, and Visa Credit Cards |
As low as 6.9% APR * |
| Home
Equity Line of Credit (HELOC) * |
As low as 4.99% APR * |
| 2nd
Mortgage (Fixed)* |
As low as 5.99% APR * |
| Educaid
Loans * |
As low as 9.00% |
| Share
Secured Loan(Savings/Certificate of Deposit) |
As low as 4% over current
savings rate (APY) with a Minimum APR of 4% |
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Personal
Line of Credit,
Overdraft Line of Credit, and
Signature Loans |
as low as
6.9% APR * |
Visa |
as low as
6.9% APR * | | |
Home Equity Line of Credit (HELOC)
($349 application fee) |
| Up to 80%
Loan-to-Value |
Up to 120 Months |
as low as 4.99% APR |
| Up to 90%
Loan-to-Value |
Up to 120 Months |
as low as
5.49% APR * |
2nd Mortgage (Fixed)
($349 application fee) |
| Up
to 90% Loan-to-Value |
Up to 120 Months |
as low as 5.99% APR * |
| Pledged Savings Loan |
| As
low as 4% over current savings rate (APY) with a
Minimum APR of 4%* |
| Educaid Loans |
| 9.00%* |
* Rates will be determined based on credit
score, loan amount and other factors.
Call Credit Union for full details |
SEMC
Federal Credit Union is an Equal Housing Lender and does business in
accordance with the Federal
Fair Housing Law and the Equal Credit Opportunity Act. |
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Last
Updated On:Friday, January 13, 2012 07:58 AM | | |
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