LOAN RATES
As of Sept 1st, 2010
(Rates May Change Without Notice)
Click here for a Printable Rate Sheet
Interest Rate Pricing Tiers
(Based Upon Credit History and Credit Bureau Scores)

Auto Loans  
Year Term
New Never Titled 2010 up to 60 mths
up to 72 mths
up to 84 mths		 as low as 4.25% APR*
as low as 5.25% APR*
as low as 5.75% APR*
2010 thru
2006		 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 2005 and older - as low as 6.65% - NADA loan 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 4.75% APR *
Up to 90% Loan-to-Value Up to 120 Months as low as 5.25% APR *
2nd Mortgage (Fixed)
($195 application fee)
Up to 90% Loan-to-Value Up to 120 Months as low as 5.75% APR *

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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