Deposit Accounts

Savings Accounts Rates

Savings Calculators

Effective: June 7, 2013

ProductMinimumRateAPY *
Share Savings$100.10% 0.10%
IRA Savings$100.10% 0.10%
Holiday SavingsNone0.10% 0.10%
Secured VISA Holding Account$3000.10% 0.10%

Savings - Money Manager Rates

Effective: June 7, 2013

TiersRateAPY *
Less than $2,0000.00% 0.00%
$2,000-$4,9990.20% 0.20%
$5,000-$9,9990.20% 0.20%
$10,000-$24,9990.20% 0.20%
$25,000-$49,9990.25% 0.25%
$50,000-$74,9990.25% 0.25%
$75,000-$99,9990.25% 0.25%
$100,000+0.25% 0.25%

Savings - Advantage Money Manager Rates

Effective: June 7, 2013

TiersRateAPY *
$25,000-$49,9990.30% 0.30%
$50,000-$74,9990.30% 0.30%
$75,000-$99,9990.30% 0.30%
$100,000-$199,9990.30% 0.30%
$200,000-$499,9990.30% 0.30%
$500,000 and above0.35% 0.35%

Savings - Business Money Market Rates

Effective: June 7, 2013

TiersRateAPY *
$2,000-$4,9990.55% 0.55%
$5,000-$24,9990.65% 0.65%
$25,000-$49,9990.75% 0.75%
$50,000-$99,9990.85% 0.85%
$100,000+0.95% 0.95%

 

*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.

CDs

CDs (Certificates of Deposit) Rates

Savings Calculators

Effective: July 22, 2016

TermDividend RateAPY *
5 years1.79% 1.80%
5-year Step-Up1.59% 1.60%
4 years1.59% 1.60%
3 years1.49% 1.50%
30 months1.34% 1.35%
2-year Jumbo1.29% 1.30%
2 years1.24% 1.25%
18 months1.15% 1.15%
1-year Jumbo1.15% 1.15%
1-year Premier1.09% 1.09%
1-year Choice1.08% 1.08%
1 year1.05% 1.05%
1-year Add-On0.85% 0.85%
9 months0.75% 0.75%
6 months0.70% 0.70%
3 months0.50% 0.50%

 

*APY=Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice. You only need $500 to open a Savings Certificate, with the exception of the Jumbo CD. A penalty may be charged for early withdrawal. Other terms may be available, call 410-487-7328 or 800-879-7328 for details.

IRAs

Individual Retirement Account (IRA) Rates

Retirement Calculators

Effective: October 11, 2013

SavingsMinimumDividend RateAPY *
IRA Savings$10.000.10% 0.10%
Roth Contributory IRA$10.000.10% 0.10%
Coverdell Education Savings Account$10.000.10% 0.10%
Roth Conversion IRA$10.000.10% 0.10%

Savings Certificates, Traditional, Roth and Educational IRA Certificates

Effective: July 22, 2016

TermDividend RateAPY *
5 years1.79% 1.80%
5-year Step Up1.59% 1.60%
4 years1.59% 1.60%
3 years1.49% 1.50%
30 months1.34% 1.35%
2-year Jumbo1.29% 1.30%
2 years1.24% 1.25%
18 months1.15% 1.15%
15 months (Traditional, Roth and Educational IRA Certificates only)1.10% 1.10%
1-year Jumbo1.15% 1.15%
1-year Premier1.09% 1.09%
1-year Choice1.08% 1.08%
1 year1.05% 1.05%

 

* APY = Annual Percentage Yield. This page is updated regularly.

Mortgage & Home Equity

Mortgage Rates

Mortgage Calculators

Effective: December 05, 2016

ProductRatePointsAPR *
10 Year Fixed2.375%1.3752.511%
10 Year Fixed2.500%0.0002.530%
15 Year Fixed3.125%1.3753.384%
15 Year Fixed3.250%0.0003.308%
20 Year Fixed3.750%0.7503.882%
20 Year Fixed3.875%0.0003.921%
30 Year Fixed4.000%0.6254.086%
30 Year Fixed4.125%0.0004.158%
FHA 30 Year Fixed4.625%0.0005.792%
FHA 15 Year Fixed4.000%0.0005.417%
7/1 ARM3.000%0.0003.282%
5/1 ARM2.500%0.0002.893%
3/1 ARM1.990%0.0002.875%
30 YR HARP4.250%0.6254.337%
30 YR HARP4.375%0.0004.409%
20 YR HARP4.000%0.7504.133%
20 YR HARP4.125%0.0004.171%

Home Equity Line of Credit Rates

Home Equity Calculators

Effective: October 20, 2016

ProductLoan-to-Value RatioTermsAPR *Monthly Payment (per $1,000)
Home Equity Line of Credit - Initial draw of $20,000 or moreUp to 90%Up to 15 years1.24% ** 12 month variable intro rate$6.09 during intro rate period
Home Equity Line of Credit- Initial draw of $20,000 or more81 - 90%Up to 15 years3.50%$7.15 for 15 years
Home Equity Line of Credit- Initial draw of $20,000 or more80%Up to 15 years3.50%$7.15 for 15 years
Home Equity Line of Credit- Initial draw less than $20,00081-90%Up to 15 years4.00%$7.40 for 15 years
Home Equity Line of Credit- Initial draw less than $20,00080%Up to 15 years3.50%$7.15 for 15 years
HELOC Sub Account - $5,000 to $9,99981 - 90%12 to 60 months5.99% fixed$18.63 for 60 months
HELOC Sub Account - $10,000 to $14,99981 - 90%12 to 120 months5.99% fixed$10.35 for 120 months
HELOC Sub Account - $15,000 or more81 - 90%12 to 180 months5.99% fixed$7.64 for 180 months
HELOC Sub Account - $5,000 to $9,99980%12 to 60 months4.49% fixed$19.32 for 60 months
HELOC Sub Account - $10,000 to $14,99980%12 to 120 months4.49% fixed$11.09 for 120 months
HELOC Sub Account - $15,000 or more80%12 to 180 months4.49% fixed$8.43 for 180 months

 

* APR = Annual Percentage Rate. The rates displayed are for conforming loan programs and based on a primary residence with a property value of $125,000 and a loan amount of $100,000. Actual rates may vary depending on your specific terms. The maximum loan amount for a conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. Rates are subject to change daily.

Auto Loans

Auto Loan Rates

Auto Calculators

Effective: October 1, 2015

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)
New Auto or Truck Purchase/Refinance361.74%$28.52
New Auto or Truck Purchase/Refinance601.99%$17.52
New Auto or Truck Purchase/Refinance721.99%$14.74
Used Auto or Truck Purchase/Refinance361.99%$28.63
Used Auto or Truck Purchase/Refinance602.24%$17.63
Used Auto or Truck Purchase/Refinance722.24%$14.85

Motorcycle Loan Rates

Effective: October 1, 2015

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)
New Motorcycle364.24%$29.63
New Motorcycle604.49%$18.63
New Motorcycle724.49%$15.86
Used Motorcycle364.49%$29.74
Used Motorcycle604.74%$18.75
Used Motorcycle724.74%$15.98

Boat/RV Loan Rates

Effective: October 1, 2015

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)
New Boat/RV604.99%$18.86
New Boat/RV724.99%$16.10
New Boat/RV845.99%$14.60
New Boat/RV1205.99%$11.09
New Boat/RV1805.99%$8.43
Used Boat/RV605.24%$18.98
Used Boat/RV725.24%$16.21
Used Boat/RV846.24%$14.72
Used Boat/RV1206.24%$11.22
Used Boat/RV1806.24%$8.56

 

*APR=Annual Percentage Rate. This page is updated regularly. The Auto Loan rates listed above are the best rates for all the terms indicated. New auto or truck refinance is for vehicles that are less than 12 months old and registered to the original owner. Your actual rate may be higher. Your rate may vary based on term, application and credit history. The rates above reflect the discount for a direct loan payment option from a SECU account. Rates are subject to change without prior notice.

Other Loans

Deposit Secured Rates

Loan Calculators

Effective: April 8, 2009

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)**
Share Secured604.50%$18.64 **
Savings CD Secured604.50%$18.64 **
Money Manager Secured604.50%$18.64 **

Personal Unsecured Rates

Effective: March 2, 2009

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)**
Preferred Line of CreditN/A11.99%$22.24
Signature Loan6011.99%$22.24

 

* APR=Annual Percentage Rate. ** The minimum monthly payment is $50. This page is updated regularly.

Checking

Personal Checking Accounts Rates

Budgeting Calculators

Effective: June 7, 2013

Relationship Rewards CheckingMinimumRateAPY
Premier Interest Checking$10,000.000.10% 0.10%
Choice Interest Checking$1,000.000.05% 0.05%
Students' Choice CheckingNone0.05% 0.05%

Business Checking Accounts Rates

Effective: June 7, 2013

Business CheckingMinimumRateAPY
Interest Earning Business Checking$1000.50% 0.50%
Free Business Checking$1000.00% 0.00%
Analyzed Business Checking$1000.00% 0.00%
Analyzed Non-profit Business Checking$1000.00% 0.00%

 

* Nearly all your SECU deposit and loan balances are considered when determining the Relationship Rewards minimum balance. SECU calculates combined balances based on the average balance you had in a deposit account during your statement period and your outstanding loan balances. For Visa credit card, Home Equity Line of Credit and Preferred Line of Credit, rewards are based on your balance, not the amount of your credit line. If you fall below the minimum combined balance, a monthly fee will be assessed unless you have SECU Preferred Services. For specific details on how your Relationship Rewards balance is calculated, please see our Agreements and Disclosures. "Active Bill Pay use" means making at least one electronic payment using SECU's Bill Pay service every 60 days. APY = Annual Percentage Yield. Deposits federally insured by NCUA. 

Rates are subject to change without notice.