CDs, IRAs, Deposit Accounts & Vehicle Loan Calculators

Product	Minimum	Rate	APY *
Savings Accounts Rates Savings Calculators Effective: June 7, 2013
Share Savings	$10	0.10%	0.10%
IRA Savings	$10	0.10%	0.10%
Holiday Savings	None	0.10%	0.10%
Secured VISA Holding Account	$300	0.10%	0.10%

Tiers	Rate	APY *
Savings - Money Manager Rates Effective: June 7, 2013
Less than $2,000	0.00%	0.00%
$2,000-$4,999	0.20%	0.20%
$5,000-$9,999	0.20%	0.20%
$10,000-$24,999	0.20%	0.20%
$25,000-$49,999	0.25%	0.25%
$50,000-$74,999	0.25%	0.25%
$75,000-$99,999	0.25%	0.25%
$100,000+	0.25%	0.25%

Tiers	Rate	APY *
Savings - Advantage Money Manager Rates Effective: June 7, 2013
$25,000-$49,999	0.30%	0.30%
$50,000-$74,999	0.30%	0.30%
$75,000-$99,999	0.30%	0.30%
$100,000-$199,999	0.30%	0.30%
$200,000-$499,999	0.30%	0.30%
$500,000 and above	0.35%	0.35%

Tiers	Rate	APY *
Savings - Business Money Market Rates Effective: June 7, 2013
$2,000-$4,999	0.55%	0.55%
$5,000-$24,999	0.65%	0.65%
$25,000-$49,999	0.75%	0.75%
$50,000-$99,999	0.85%	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.

Term	Dividend Rate	APY *
CDs (Certificates of Deposit) Rates Savings Calculators Effective: July 22, 2016
5 years	1.79%	1.80%
5-year Step-Up	1.59%	1.60%
4 years	1.59%	1.60%
3 years	1.49%	1.50%
30 months	1.34%	1.35%
2-year Jumbo	1.29%	1.30%
2 years	1.24%	1.25%
18 months	1.15%	1.15%
1-year Jumbo	1.15%	1.15%
1-year Premier	1.09%	1.09%
1-year Choice	1.08%	1.08%
1 year	1.05%	1.05%
1-year Add-On	0.85%	0.85%
9 months	0.75%	0.75%
6 months	0.70%	0.70%
3 months	0.50%	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. The minimum deposit for Jumbo CDs is $100,000.

Savings	Minimum	Dividend Rate	APY *
Individual Retirement Account (IRA) Rates Retirement Calculators Effective: October 11, 2013
IRA Savings	$10.00	0.10%	0.10%
Roth Contributory IRA	$10.00	0.10%	0.10%
Coverdell Education Savings Account	$10.00	0.10%	0.10%
Roth Conversion IRA	$10.00	0.10%	0.10%

Term	Dividend Rate	APY *
Savings Certificates, Traditional, Roth and Educational IRA Certificates Effective: July 22, 2016
5 years	1.79%	1.80%
5-year Step Up	1.59%	1.60%
4 years	1.59%	1.60%
3 years	1.49%	1.50%
30 months	1.34%	1.35%
2-year Jumbo	1.29%	1.30%
2 years	1.24%	1.25%
18 months	1.15%	1.15%
15 months (Traditional, Roth and Educational IRA Certificates only)	1.10%	1.10%
1-year Jumbo	1.15%	1.15%
1-year Premier	1.09%	1.09%
1-year Choice	1.08%	1.08%
1 year	1.05%	1.05%

* APY = Annual Percentage Yield. This page is updated regularly. The minimum deposit for Jumbo CDs is $100,000.

Product	Rate	Points	APR *
Mortgage Rates Mortgage Calculators Effective: September 24, 2016
10 Year Fixed	2.125%	0.250	2.174%
10 Year Fixed	2.250%	0.000	2.280%
15 Year Fixed	2.750%	0.250	2.843%
15 Year Fixed	2.875%	0.000	3.048%
20 Year Fixed	3.125%	0.250	3.198%
20 Year Fixed	3.250%	0.000	3.295%
30 Year Fixed	3.375%	0.250	3.427%
30 Year Fixed	3.500%	0.000	3.532%
FHA 30 Year Fixed	4.000%	0.000	5.204%
FHA 15 Year Fixed	3.500%	0.000	4.942%
7/1 ARM	3.000%	0.000	3.282%
5/1 ARM	2.500%	0.000	2.893%
3/1 ARM	1.990%	0.000	2.875%
30 YR HARP	3.625%	0.250	3.678%
30 YR HARP	3.750%	0.000	3.783%
20 YR HARP	3.375%	0.250	3.448%
20 YR HARP	3.500%	0.000	3.545%

Product	Loan-to-Value Ratio	Terms	APR *	Monthly Payment (per $1,000)
Home Equity Rates Home Equity Calculators Effective: February 22, 2016
Home Equity Line of Credit- Initial draw of $20,000 or more	Up to 90%	Up to 15 years	1.24% ** 12 month variable intro rate	$6.09 during intro rate period
Home Equity Line of Credit- Initial draw of $20,000 or more	81 - 90%	Up to 15 years	3.50%	$7.15 for 15 years
Home Equity Line of Credit- Initial draw of $20,000 or more	80%	Up to 15 years	3.50%	$7.15 for 15 years
Home Equity Line of Credit- Initial draw less than $20,000	81-90%	Up to 15 years	4.00%	$7.40 for 15 years
Home Equity Line of Credit- Initial draw less than $20,000	80%	Up to 15 years	3.50%	$7.15 for 15 years
Fixed Rate Home Equity Loan	80%	Up to 15 years	4.49%	$7.59 for 15 years
Fixed Rate Home Equity Loan	80%	16-20 years	4.74%	$6.45 for 20 years
Fixed Rate Home Equity Loan	81-90%	Up to 15 years	5.99%	$8.43 for 15 years

* APR=Annual Percentage Rate. Rates are subject to change without prior notification. SECU will advance the closing costs on any primary or second home with a loan amount of $300,000 or less, regardless of credit score and/or the number of SECU Home Equity loans the member has had. Closing costs generally range from $850 to $1,000 on a $20,000 loan or line of credit. If loan or line of credit is paid off within 24 months or original note date, closing costs must be reimbursed to SECU by borrower. Adequate property and flood insurance required, if applicable. Consult your tax advisor for deductibility of interest.

**Lines of Credit: Introductory rate is a variable rate of Prime minus 2.26% for 12 months, subject to a minimum of 0.99%. It is currently 1.24%. Offer is valid on qualified new home equity line of credit applications received between February 22, 2016 and December 31, 2016 with a minimum initial draw of $20,000 and a maximum 90% combined Loan-to-Value (CLTV). The introductory rate requires a direct loan payment from a SECU account. After the intro rate or for lines not subject to the intro rate, your monthly APR will be a fully indexed, variable rate based on Prime plus or minus a margin and based on your credit line amount, Loan to Value (LTV) and other factors. Prime rate is obtained from the Wall Street Journal. As of 12/17/15, prime rate is 3.50%. The minimum APR that can apply is 3.5% and the maximum APR that can apply is 18%. The rate is variable and can adjust on a monthly basis. Minimum initial draw is $20,000, up to 90% Combined Loan to Value (CLTV).

Fixed Rate Loans: Rates indicated are the lowest rates. Actual APR may vary based on application, credit history, and other factors.

Published rates and terms based on primary homes. Other rates and terms available for secondary homes and investment properties. This page is updated regularly. SECU is an Equal Housing Lender.

Product	Maximum term (in months)	APR *	Monthly Payment (per $1,000)	Minimum Loan Amount
Auto Loan Rates Auto Calculators Effective: October 1, 2015
New Auto or Truck Purchase/Refinance	36	1.74%	$28.52	None
New Auto or Truck Purchase/Refinance	60	1.99%	$17.52	None
New Auto or Truck Purchase/Refinance	72	1.99%	$14.74	$15,000
Used Auto or Truck Purchase/Refinance	36	1.99%	$28.63	None
Used Auto or Truck Purchase/Refinance	60	2.24%	$17.63	None
Used Auto or Truck Purchase/Refinance	72	2.24%	$14.85	$15,000

Product	Maximum term (in months)	APR *	Monthly Payment (per $1,000)	Minimum Loan Amount
Motorcycle Loan Rates Effective: October 1, 2015
New Motorcycle	36	4.24%	$29.63	None
New Motorcycle	60	4.49%	$18.63	None
New Motorcycle	72	4.49%	$15.86	$15,000
Used Motorcycle	36	4.49%	$29.74	None
Used Motorcycle	60	4.74%	$18.75	None
Used Motorcycle	72	4.74%	$15.98	$15,000

Product	Maximum term (in months)	APR *	Monthly Payment (per $1,000)	Minimum Loan Amount
Boat/RV Loan Rates Effective: October 1, 2015
New Boat/RV	60	4.99%	$18.86	None
New Boat/RV	72	4.99%	$16.10	$15,000
New Boat/RV	84	5.99%	$14.60	$35,000
New Boat/RV	120	5.99%	$11.09	$50,000
New Boat/RV	180	5.99%	$8.43	$75,000
Used Boat/RV	60	5.24%	$18.98	None
Used Boat/RV	72	5.24%	$16.21	$15,000
Used Boat/RV	84	6.24%	$14.72	$35,000
Used Boat/RV	120	6.24%	$11.22	$50,000
Used Boat/RV	180	6.24%	$8.56	$75,000

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

Product	Maximum term (in months)	APR *	Monthly Payment (per $1,000)**
Deposit Secured Rates Loan Calculators Effective: April 8, 2009
Share Secured	60	4.50%	$18.64 **
Savings CD Secured	60	4.50%	$18.64 **
Money Manager Secured	60	4.50%	$18.64 **

Personal Unsecured Rates Effective: March 2, 2009
Product	Maximum term (in months)	APR *	Monthly Payment (per $1,000)**
Preferred Line of Credit	N/A	11.99%	$22.24
Signature Loan	60	11.99%	$22.24

Personal Unsecured Rates

Effective: March 2, 2009

Product

Maximum term (in months)

APR *

Monthly Payment (per $1,000)**

Preferred Line of Credit

N/A

11.99%

$22.24

Signature Loan

60

11.99%

$22.24

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

Relationship Rewards Checking	Minimum	Rate	APY
Personal Checking Accounts Rates Budgeting Calculators Effective: June 7, 2013
Premier Interest Checking	$10,000.00	0.10%	0.10%
Choice Interest Checking	$1,000.00	0.05%	0.05%
Students' Choice Checking	None	0.05%	0.05%

Business Checking	Minimum	Rate	APY
Business Checking Accounts Rates Effective: June 7, 2013
Interest Earning Business Checking	$100	0.50%	0.50%
Free Business Checking	$100	0.00%	0.00%
Analyzed Business Checking	$100	0.00%	0.00%
Analyzed Non-profit Business Checking	$100	0.00%	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.

Deposit Accounts

Savings Accounts Rates

Savings - Money Manager Rates

Savings - Advantage Money Manager Rates

Savings - Business Money Market Rates

CDs

CDs (Certificates of Deposit) Rates

IRAs

Individual Retirement Account (IRA) Rates

Savings Certificates, Traditional, Roth and Educational IRA Certificates

Mortgage & Home Equity

Mortgage Rates

Home Equity Rates

Vehicle Loans

Auto Loan Rates

Motorcycle Loan Rates

Boat/RV Loan Rates

Other Loans

Deposit Secured Rates

Personal Unsecured Rates

Checking

Personal Checking Accounts Rates

Business Checking Accounts Rates