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: January 24, 2014

TermDividend RateAPY *
5 years1.99% 2.00%
5-year Step-Up1.84% 1.85%
4 years1.49% 1.50%
3 years1.00% 1.00%
30 months0.80% 0.80%
2-year Jumbo0.80% 0.80%
2 years0.75% 0.75%
18 months0.60% 0.60%
1-year Jumbo0.60% 0.60%
1-year Premier0.54% 0.54%
1-year Choice0.53% 0.53%
1 year0.50% 0.50%
1-year Add-On0.30% 0.30%
9 months0.30% 0.30%
6 months0.30% 0.30%
3 months0.25% 0.25%

 

*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.

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: January 24, 2014

TermDividend RateAPY *
5 years1.99% 2.00%
5-year Step Up1.84% 1.85%
4 years1.49% 1.50%
3 years1.00% 1.00%
30 months0.80% 0.80%
2-year Jumbo0.80% 0.80%
2 years0.75% 0.75%
18 months0.60% 0.60%
15 months (Traditional, Roth and Educational IRA Certificates only)0.60% 0.60%
1-year Jumbo0.60% 0.60%
1-year Premier0.54% 0.54%
1-year Choice0.53% 0.53%
1 year0.50% 0.50%

 

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

Mortgage & Home Equity

Mortgage Rates

Mortgage Calculators

Effective: April 23, 2014

ProductRatePointsAPR *
10 Year Fixed2.500%0.0002.523%
10 Year Fixed2.250%1.1252.358%
15 Year Fixed3.500%0.0003.544%
15 Year Fixed3.250%1.3753.496%
20 Year Fixed4.250%0.0004.285%
20 Year Fixed4.000%1.1254.166%
30 Year Fixed4.500%0.0004.526%
30 Year Fixed4.250%1.3754.393%
FHA 30 Year Fixed4.625%0.0004.651%
FHA 15 Year Fixed3.875%0.0003.920%
7/1 ARM3.500%0.0003.525%
5/1 ARM2.990%0.0003.028%
3/1 ARM1.990%0.0002.505%
30 YR HARP4.750%0.0004.776%
30 YR HARP4.500%1.3754.645%
20 YR HARP4.500%0.0004.536%
20 YR HARP4.250%1.1254.418%

Home Equity Rates

Home Equity Calculators

Effective: February 3, 2014

ProductLoan-to-Value RatioTermsAPR *Monthly Payment (per $1,000)
Home Equity Line of Credit90%12 month intro rate0.99%$5.99 during intro rate period
Home Equity Line of Credit80%Up to 15 years3.50%$7.15 for 15 years
Home Equity Line of Credit81-90%Up to 15 years3.75%$7.27 for 15 years
Fixed Rate Home Equity Loan80%Up to 15 years4.49%$7.59 for 15 years
Fixed Rate Home Equity Loan80%16-20 years4.74%$6.45 for 20 years
Fixed Rate Home Equity Loan81-90%Up to 15 years5.99%$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: Rate as low as 0.99% APR is fixed for twelve months for qualified applicants, then the 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 12/17/08, prime rate is 3.25%. 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.

Vehicle Loans

Auto Loan Rates

Auto Calculators

Effective: February 13, 2012

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)Minimum Loan Amount
New Auto or Truck Purchase/Refinance601.99%$15.73None
New Auto or Truck Purchase/Refinance721.99%$14.75$15,000
New Auto or Truck Purchase/Refinance842.99%$13.21$35,000
Used Auto or Truck Purchase/Refinance602.24%$17.64None
Used Auto or Truck Purchase/Refinance722.24%$14.86$15,000
Used Auto or Truck Purchase/Refinance843.24%$13.33$35,000

Motorcycle Loan Rates

Effective: February 13, 2012

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)Minimum Loan Amount
New Motorcycle604.49%$18.64None
New Motorcycle724.49%$15.87$15,000
New Motorcycle845.49%$14.37$35,000
Used Motorcycle604.74%$18.76None
Used Motorcycle724.74%$15.99$15,000
Used Motorcycle845.74%$14.49$35,000

Boat/RV Loan Rates

Effective: February 13, 2012

ProductMaximum term (in months)APR *Monthly Payment (per $1,000)Minimum Loan Amount
New Boat/RV604.99%$18.87None
New Boat/RV724.99%$16.11$15,000
New Boat/RV845.99%$14.61$35,000
New Boat/RV1205.99%$11.10$50,000
New Boat/RV1805.99%$8.44$75,000
Used Boat/RV605.24%$18.99None
Used Boat/RV725.24%$16.22$15,000
Used Boat/RV846.24%$14.73$35,000
Used Boat/RV1206.24%$11.23$50,000
Used Boat/RV1806.24%$8.58$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. 

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.