RATES AND YIELDS
As of July 1, 2008
(Rates May Change Without Notice)
Click here for a Printable Rate Sheet
Div.
Rate		 APY*
  • 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.
Savings $2,000 and over
 0.995% 1.00%
IRA Savings $2,000 - $9,999.99
 1.243% 1.25%
IRA Savings $10,000 and over
 1.490% 1.50%
  • Regular and Special Savings
0.499% 0.50%
  • Captain Cash-Super Teen
0.995% 1.00%
  • Christmas and Vacation Club Accounts*
0.499% .050%
  • Interest Plus Checking*
.50%
.50%
  • Escrow Account**
.25% .25%
  • IRA Savings**
0.995% 1.00%
**Savings are federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. 
  • 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.
6 months
12 months
18 months
24 months
36 months
48 months
60 months
2.178%
2.227%
2.472%
2.960%
3.445%
3.687%
3.928%
2.20%
2.25%
2.50%
3.00%
3.50%
3.75%
4.00%


LOAN RATES

Interest Rate Pricing Tiers
(Based Upon Credit History and Credit Bureau Scores)

Auto Loans Click Here to apply now
Year Term
2008 thru
2004		 36 Months as low as 5.29% APR *
48 Months as low as 5.74% APR *
60 Months as low as 5.99% APR *
72 Months as low as 6.24% APR *
$30,000.+ 84 Months as low as 6.74% APR *
Model Year 2003 and older - .25% off Signature Loan Rate - NADA  value
New and Used Rvs, Boats and Campers - See Auto Rates
     Loans in excess of $40,000 may be financed for up to a 12 year term.
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)
($195 application fee)
Up to 80% Loan-to-Value Up to 120 Months as low as Prime - 0.50% APR*
Up to 90% Loan-to-Value Up to 120 Months as low as Prime - 0.00% APR*
2nd Mortgage (Fixed)
($195 application fee)
Up to 90% Loan-to-Value Up to 120 Months as low as Prime +0.75% APR*
Prime Rate is currently 5.00% effective 06/2/2008
Pledged Savings Loan
3% over current savings rate (APY) with a Minimum APR of 4%
Educaid Loans
9.00%

* Rates will be determined based on credit score.
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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