| New/Used Auto or Light Truck |
Account
Type |
Max. Term |
Max
Daily Periodic Rate |
Annual
Percentage Rate† |
|
|
Min. |
Max. |
| Less
Than $7,500 |
36
months |
0.0493151% |
2.90% |
18.00% |
| Equal
to or greater than $7,500 |
48
months |
0.0493151% |
3.15% |
18.00% |
| Equal
to or greater than $10,000 |
60
months |
0.0493151% |
3.30% |
18.00% |
| Equal
to or greater than $10,000 |
66
months |
0.0493151% |
3.70% |
18.00% |
| Equal
to or greater than $10,000 |
72
months |
0.0493151% |
4.25% |
18.00% |
2004
(Increase published rate by .25%)
2003 (Increase published rate by .50%)
2002 (Increase published rate by .75%)
|
|
| Recreational
Vehicles |
Account
Type |
Max. Term |
Max
Daily Periodic Rate |
Annual
Percentage Rate† |
| |
|
|
Min. |
Max. |
| New/Used Motorcycles |
48
months |
0.0493150% |
7.50% |
18.00% |
| New Boat/Motor/Trailer |
60
months |
0.0493150% |
7.00% |
18.00% |
| Used Boat/Motor/Trailer |
48
months |
0.0493150% |
7.50% |
18.00% |
New Motor
Home or RV |
72
months |
0.0493150% |
7.00% |
18.00% |
| Used Motor
Home or RV |
72
months |
0.0493150% |
7.50% |
18.00% |
| New/Used All
Other Collateral |
60
Months |
0.0493150% |
13.25% |
18.00% |
|
| Miscellaneous
Loans |
Account
Type |
Max. Term |
Max
Daily Periodic Rate |
Annual
Percentage Rate† |
| Share
Secured |
120
months |
0.0178082% |
6.50% |
| Certificate
Secured |
CD
Maturity |
0.0493150% |
CD
+ 2.00% |
|
New Computers |
36 months |
0.0493150% |
Prime + 1% |
|
| Unsecured Lines
of Credit |
| Overdraft Line of Credit (OLC) |
|
0.0493150% |
18.00% |
| Personal
Service Loan (PSL) |
|
0.0493150% |
18.00% |
| Preferred
Line of Credit (PLOC) |
|
0.0383561% |
14.00% |
| Preferred
Line of Credit Plus (PLOC-PLUS) |
|
0.0328767% |
12.00% |
| |
|
|
|
Balance |
Minimum
Payment |
| $0.01 |
to |
$1,000.00 |
$50.00 |
| $1,000.01 |
to |
$1500.00 |
$75.00 |
| $1,500.01 |
to |
$2,000.00 |
$100.00 |
| $2,000.01 |
to |
$2,500.00 |
$125.00 |
| $2,500.01 |
to |
$4,000.00 |
$140.00 |
| $4,000.01 |
to |
$5,000.00 |
$175.00 |
| $5,000.01 |
to |
$6,000.00 |
$200.00 |
| $6,000.01 |
to |
$7,500.00 |
$250.00 |
| $7,500.01 |
to |
$9,000.00 |
$300.00 |
| $9,000.01 |
to |
$10,000.00 |
$325.00 |
|
|
|
† Rates are subject to change without notice and may be different than what is shown on this web site. Rates will not fall below established floor limits. Rate offered is based upon applicant's credit history, and/or collateral offered, model year and mileage of vehicle (when appropriate). Credit conditions and qualifications apply. Please contact the Credit Union for complete details.
24-month term. For a loan at 9.0% APR, 24 monthly payments of $45.69 per$1000 borrowed.
30 month term. For a loan at 9.0% APR, 30 monthly payments of $37.35 per $1000 borrowed.
36-month term. For a loan at 9.0% APR, 36 monthly payments of $31.81 per $1000 borrowed.
42 month term. For a loan at 9.0% APR, 42 monthly payments of $27.85 per $1000 borrowed
48-month term. For a loan at 9.0% APR, 48 monthly payments of $24.89 per $1000 borrowed.
60-month term. For a loan at 9.0% APR, 60 monthly payments of $20.76 per $1000 borrowed.
72-month term. For a loan at 9.0% APR, 72 monthly payments of $18.03 per $1000 borrowed.
120-month term. For a loan at 6.5% APR, 120 monthly payments of $11.36 per $1000 borrowed. |
| Share Account Fees |
| Membership Fee |
$10.00 |
| Account Closing Fee |
$10.00 if closed within first 90 days of account opening |
| Check Cashing Fee |
$10.00 fee is waived when deposit or loan relations is more than $100.00 |
| Excessive Withdrawal Fee |
$5.00 per withdrawal after three (3) per quarter |
| Minimum Balance Fee |
$5.00 per month if account falls below $100.00 |
| Share Draft Account Fees |
| All Accounts Copy of Paid Draft Fee |
$3.00 per item |
| All Accounts Share Overdraft Fee |
$3.00 per transfer |
| Money Market Service Fee |
$5.00 per withdrawal if minimum balance is not maintained |
| Money Market Excessive Withdrawal Fee |
$5.00 per month after six (6) per month |
| Prime Time Account Service Charge |
$11.00 per month |
| Prime Time Gold Account Service Charge |
$11.00 per month if minimum balance is not maintained |
| Prime Time Plus Account Service Charge |
$11.00 per month |
| Second Chance Checking Account Service Charge |
$15.00 per month |
| Share Draft NSF (UCF/ATM/ACH/Paid/Unpaid) Fee |
$35.00 per item |
| Share Draft NSF - Convenient Pay Fee (CPay) |
$35.00 per item |
| Share Draft Printing Fee |
Prices may vary depending on style |
| Stop Payment Fee |
$25.00 per request, one (1) free per year |
| Temporary Check |
$5.00 per five (5) checks |
| Club Account Fees |
| Christmas Club - Excessive Withdrawal Fee |
$5.00 per withdrawal after one (1) free withdrawal per club period. |
| Vacation Club - Excessive Withdrawal Fee |
$5.00 per withdrawal after two (2) free withdrawals per year. |
| Other Service Fees (applicable to all accounts) |
| Account Reconciliation Fee |
$20.00 per hour, $10.00 minimum |
| Account Research Fee |
$20.00 per hour, $10.00 minimum |
| Account Conversion Fee |
$25.00 per conversion |
| Cashing Rapid Refund Loan Check |
$25.00 |
| Certified Check Fee |
$5.00 per check |
| Collection Item Fee |
$25.00 per item |
| Credit Union/Teller Check |
$3.00 per check |
| Deposited Item/Loan Return Fee |
$25.00 per item if funds are not available, $3.00 if funds are available |
| History Fee |
$3.00 per page |
| Inactive Account Fee |
$5.00 per month after two (2) years |
| Legal Process Fee (Lien, Levy, etc) |
$20.00 per hour, $10.00 minimum |
| Money Order Fee |
$3.00 per item |
| Negative Account Fee |
$3.00 per day |
| NSF (UCF/ATM/ACH/Paid/Unpaid) Fee |
$35.00 per item |
| Return Mail Fee |
$5.00 per item |
| Statement Copy Fee |
$3.00 per copy |
Travelers Check Fee
One Signature Checks
Two Signature Checks
Gift Checks |
$1.50 per $100.00
$1.50 per $100.00
$3.00 per check |
| Wire Transfer (Incoming Fee) |
$10.00 per transfer |
| Wire Transfer (Outgoing Fee) |
$20.00 per transfer |
| Verification of Deposit by Fax Fee |
$3.00 per request |
| Prepaid Visa Gift Card Fee |
$3.00 per card |
Safe Deposit Box
Fees
Rental (annual) |
Lost key - $75.00/Drill - $150.00
3x5 - $20.00
3x10 - $30.00
5x10 - $40.00
10x10 - $70.00 |
| Electronic Funds Transfer Fee |
| ATM Card Transaction Fee |
$1.00 per transaction |
| Debit/Check Card or POS transactions |
No fees from SFCU at any financial institution or point-of-sale location |
| Replacement ATM or Check Card Fee |
$15.00 per item |
| Replacement ATM or Check Card PIN Fee |
$3.00 per occurrence |
| Credit Card Late Payment Fee |
$15.00 |
| Exemptions |
| Minors Exempt: 17 & Under |
Military Exempt: |
Membership Fee
Minimum Balance Fee
Monthly Service Charge
Check Cashing Fee |
Check Cashing Fee |
| Senior Advantage Exempt: Over 50 |
Full Time Student Exempt: 22 & Under |
Membership Fee
Money Orders Fee (5 free per month)
Travelers Checks Fee |
Minimum Balance Fee
Monthly Service Fee
Check Cashing Fee |
