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Current Share Rates
as of July 1, 2008
| Share
Certificates |
| Terms |
Dividend
Rate |
Annual
Percentage Yield* |
| 31
Days |
N/A |
N/A |
|
91 Days |
2.50% |
2.52% |
| 181
Days |
2.60% |
2.62% |
| 12
Months |
2.97% |
3.00% |
| 18
Months |
3.11% |
3.15% |
| 24
Months |
3.21% |
3.25% |
| 30
Month step up |
3.21% |
3.25% |
| 36
Months |
3.36% |
3.40% |
| 48
Months |
3.50% |
3.55% |
| 60
Months |
3.84% |
3.90% |
|
*Annual Percentage Yield. Rates are subject to change without notice. 91-day and 182-day certificates are based on a simple dividend calculation. All other certificates are compounded quarterly. A $500 minimum deposit is required on all certificates. Early withdrawl penalties will or may apply, if applicable. Please contact the Credit Union for information on applicable fees and terms.
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| Share
Savings/Checking/Money Market Rates |
Account
Type |
Rate |
APY* |
| SmartChoice Money
Market |
|
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| |
$2,500
- $10,000 |
| |
Over
$10,000 |
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| Performance
Money Market |
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$10,000 - $40,000 |
| |
Over $40,000 |
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| IRA |
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| Share
Savings |
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| Business
Savings |
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| Checking |
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| Business Checking |
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| Clubs |
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| *Annual Percentage Yield. Rates are subject to change without notice. Please contact the Credit Union for information on applicable fees and terms.
For additional information regarding the above
accounts, please refer to the Fee Schedule.
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| Loan
Rates |
|
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Current
Loan Rates as of July 1, 2008
| 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 |
0.0493150% |
4.75% |
18.00% |
| Equal
to or greater than $7,500 |
48
months |
0.0493150% |
5.00% |
18.00% |
| Equal
to or greater than $10,000 |
60
months |
0.0493150% |
5.20% |
18.00% |
| Equal
to or greater than $15,000 |
66
months |
0.0493150% |
5.75% |
18.00% |
| Equal
to or greater than $20,000 |
72
months |
0.0493150% |
6.15% |
18.00% |
2002
(Increase published rate by .25%)
2001 (Increase published rate by .50%)
2000 (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/Used Motor
Home or RV |
72
months |
0.0493150% |
7.00% |
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 |
|
CD
+ 2.00% |
|
New Computers |
36 months |
0.0493150% |
Prime + 1% |
|
| Signature
Loans |
| |
|
|
|
| Limited
Signature (to $1000) |
12
months |
0.0493150% |
|
| Signature
(under $2500) |
24
months |
0.0493150% |
|
| Signature
($2500+) |
36
months |
0.0493150% |
|
|
| Lines
of Credit |
| 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% |
| |
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|
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 |
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† 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.
**This loan is restricted to two (2) advances per calendar year and can be made only in July and December.
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. |
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| Credit
Cards |
|
|
| Credit
Cards |
Visa
Classic |
Visa
Gold |
Visa
Platinum |
| Annual Percentage Rate |
16.00% |
9.50% |
8.50% |
| Line of Credit |
Up
to $5,000 |
Up
to $10,000 |
Up
to $15,000 |
| Method of Computing the Balance for Purchases |
Average Daily Balance
Including New Purchases |
Average Daily Balance
Including New Purchases |
Average Daily Balance
Including New Purchases |
| Annual Fee |
No |
No |
No |
| Minimum Finance Charge |
No |
No |
No |
| Cash Advance Fee |
No |
No |
No |
| Grace Period For Purchase |
25 Days |
25 Days |
25 Days |
| Late Payment Fee |
$15.00 |
$15.00 |
$15.00 |
| Over the Limit Fee |
$15.00 |
$15.00 |
$15.00 |
| Rate Increase for Balance Transfers or Cash
Advances |
No |
No |
No |
|
Effective August 28, 2008
The
following fees may be assessed against your
account and the following transaction limitations,
if any, applied to your account. |
| Share Account Fees |
| Membership Fee |
$10.00 |
| Account Closing Fee |
$10.00 if closed within first 90 days of account opening |
| Check Cashing Fee |
$5.00 fee is waived when deposited or loan relations is more than $100.00 |
| Excessive Withdrawal Fee |
$2.00 per withdrawal after three (3) per quarter |
| Minimum Balance Fee |
$3.00 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 |
$2.00 per transfer |
| Money Market Service Fee |
$5.00 per month if minimum balance is not maintained |
| Prime Time Account Service Charge |
$9.00 per month |
| Prime Time Gold Account Service Charge |
$11.00 per month if minimum balance is not maintained |
| Prime Time Plus Account Service Charge |
$7.00 per month |
| Share Draft NSF (UCF/ATM/ACH/Paid/Unpaid) Fee |
$34.00 per item |
| Share Draft NSF - Convenient Pay Fee (CPay) |
$34.00 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 |
$1.00 per five (5) checks |
| Christmas Club Account Fees |
| Excessive Withdrawal Fee |
$5.00 per withdrawal after one (1) free withdrawal per club period. |
| Vacation Club Account Fees |
| Excessive Withdrawal Fee |
$5.00 per withdrawal after two (2) free withdrawal 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 |
$2.00 per check |
| Deposited Item Return Fee |
$25.00 per item if funds are not available, $3.00 if funds are available |
| History Fee |
$2.00 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 |
| Return Mail Fee |
$5.00 per item |
| Statement Copy Fee |
$2.00 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) |
$15.00 per transfer |
| Verification of Deposit by Fax Fee |
$3.00 per request |
| Prepaid Visa Gift Card Fee |
$3.00 per card |
| Electronic Funds Transfer Fee |
| ATM and POS transactions |
No fees from SFCU at any financial institution or point-of-sale location |
| Replacement ATM Card Fee |
$5.00 per item |
| Replacement ATM PIN Fee |
$2.00 per occurrence |
| Credit Card Late Payment Fee |
$15.00 |
| Credit Card Over the Limit Fee |
$15.00 |
| Exemptions |
| Minors Exempt: 17 & Under |
Military Exempt: |
Membership Fee
Minimum Balance
Monthly Service Charge
Check Cashing Fee |
Check Cashing Fee |
| Senior Advantage Exempt: Over 50 |
Full Time Student Exempt: 22 & Under |
Membership Fee
Credit Union Check (5 Free per Month)
Money Orders Fee
Travelers Checks Fee
Excessive Withdrawal Fee |
Minimum Balance Fee
Monthly Service Fee
Check Cashing Fee |
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