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Rates & Calculators
Rates current as of: November 1, 2022
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APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate |
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$75,000 or moreBalance Requirement |
Up to 2.00%*APY** |
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$20,000 – $74,999.99Balance Requirement |
Up to 0.50%*APY** |
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$3,500 – $19,999.99Balance Requirement |
Up to 0.15%*APY** |
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Less than $3,500Balance Requirement |
0.10%*APY** |
**APY = Annual Percentage Yield. *You must meet the criteria for each rewards level to receive the APYs shown for that level. Learn more here. APY is calculated based on average daily balance and will be a blended rate. Rates subject to change at any time. Fees may reduce earnings on the account. Membership eligibility required.
Blended rate example: For example: If you are in the Platinum level and have a balance of $100,000, you will receive 0.10% on the first $3,499.99, 0.15% on the portion of your balance between $3,500 and $19,999.99, 0.50% on the portion of your balance between $20,000 and $74,999.99 and 2.00% on the portion of your balance above $75,000. This would result in a blended APY of 0.81%, if you maintain the $100,000 for the entire month.
Platinum: For this level, balances less than $3,500 receive 0.10% APY. Balances between $3,500 and $19,999.99 receive an APY of 0.10% – 0.15%. Balances over $20,000 and $74,999.99 receive an APY of 0.10% – 0.50%. Balances over $75,000 receive .10% – 2.00%.
Gold: For this level, balances less than $20,000 receive an APY of 0.10%. Balances over $20,000 receive an APY of 0.10% – 0.15%.
Silver: For this level, all balances receive an APY of 0.10%.
Bronze: For this level, the portion of your balance above $1,000 receives an APY of 0.05%.
Rates current as of: February 1, 2022
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APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate |
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$20,000 or moreBalance Requirement |
Up to 0.15%*APY** |
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Less than $20,000Balance Requirement |
0.10%*APY** |
**APY = Annual Percentage Yield. *You must meet the criteria for each rewards level to receive the APYs shown for that level. Learn more here. APY is calculated based on average daily balance and will be a blended rate. Rates subject to change at any time. Fees may reduce earnings on the account. Membership eligibility required.
Blended rate example: For example: If you are in the Platinum level and have a balance of $100,000, you will receive 0.10% on the first $3,499.99, 0.15% on the portion of your balance between $3,500 and $19,999.99, 0.50% on the portion of your balance between $20,000 and $74,999.99 and 2.00% on the portion of your balance above $75,000. This would result in a blended APY of 0.81%, if you maintain the $100,000 for the entire month.
Platinum: For this level, balances less than $3,500 receive 0.10% APY. Balances between $3,500 and $19,999.99 receive an APY of 0.10% – 0.15%. Balances over $20,000 and $74,999.99 receive an APY of 0.10% – 0.50%. Balances over $75,000 receive .10% – 2.00%.
Gold: For this level, balances less than $20,000 receive an APY of 0.10%. Balances over $20,000 receive an APY of 0.10% – 0.15%.
Silver: For this level, all balances receive an APY of 0.10%.
Bronze: For this level, the portion of your balance above $1,000 receives an APY of 0.05%.
Rates current as of: February 1, 2022
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APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate |
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All BalancesBalance Requirement |
0.10%*APY** |
**APY = Annual Percentage Yield. *You must meet the criteria for each rewards level to receive the APYs shown for that level. Learn more here. APY is calculated based on average daily balance and will be a blended rate. Rates subject to change at any time. Fees may reduce earnings on the account. Membership eligibility required.
Blended rate example: For example: If you are in the Platinum level and have a balance of $100,000, you will receive 0.10% on the first $3,499.99, 0.15% on the portion of your balance between $3,500 and $19,999.99, 0.50% on the portion of your balance between $20,000 and $74,999.99 and 2.00% on the portion of your balance above $75,000. This would result in a blended APY of 0.81%, if you maintain the $100,000 for the entire month.
Platinum: For this level, balances less than $3,500 receive 0.10% APY. Balances between $3,500 and $19,999.99 receive an APY of 0.10% – 0.15%. Balances over $20,000 and $74,999.99 receive an APY of 0.10% – 0.50%. Balances over $75,000 receive .10% – 2.00%.
Gold: For this level, balances less than $20,000 receive an APY of 0.10%. Balances over $20,000 receive an APY of 0.10% – 0.15%.
Silver: For this level, all balances receive an APY of 0.10%.
Bronze: For this level, the portion of your balance above $1,000 receives an APY of 0.05%.
Rates current as of: September 20, 2021
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APY applies to the portion of your balance listed for each tier and will be calculated as a blended rate |
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$1,000+Balance Requirement |
0.05%*APY** |
**APY = Annual Percentage Yield. *You must meet the criteria for each rewards level to receive the APYs shown for that level. Learn more here. APY is calculated based on average daily balance and will be a blended rate. Rates subject to change at any time. Fees may reduce earnings on the account. Membership eligibility required.
Blended rate example: For example: If you are in the Platinum level and have a balance of $100,000, you will receive 0.10% on the first $3,499.99, 0.15% on the portion of your balance between $3,500 and $19,999.99, 0.50% on the portion of your balance between $20,000 and $74,999.99 and 2.00% on the portion of your balance above $75,000. This would result in a blended APY of 0.81%, if you maintain the $100,000 for the entire month.
Platinum: For this level, balances less than $3,500 receive 0.10% APY. Balances between $3,500 and $19,999.99 receive an APY of 0.10% – 0.15%. Balances over $20,000 and $74,999.99 receive an APY of 0.10% – 0.50%. Balances over $75,000 receive .10% – 2.00%.
Gold: For this level, balances less than $20,000 receive an APY of 0.10%. Balances over $20,000 receive an APY of 0.10% – 0.15%.
Silver: For this level, all balances receive an APY of 0.10%.
Bronze: For this level, the portion of your balance above $1,000 receives an APY of 0.05%.
Rates current as of: September 8, 2022
Share Savings |
0.10%APY* |
0.10%Rate |
$10Minimum Balance |
IRA Savings |
0.10%APY* |
0.10%Rate |
$10Minimum Balance |
Holiday Savings |
0.10%APY* |
0.10%Rate |
NoneMinimum Balance |
Secured VISA Holding Account |
0.10%APY* |
0.10%Rate |
$300Minimum Balance |
Business Savings |
0.35%APY* |
0.35%Rate |
$10Minimum Balance |
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.
Rates current as of: March 4, 2022
Less than $2,000 |
0.00%APY* |
0.00%Rate |
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$2,000-$4,999 |
0.10%APY* |
0.10%Rate |
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$5,000-$9,999 |
0.10%APY* |
0.10%Rate |
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$10,000-$24,999 |
0.10%APY* |
0.10%Rate |
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$25,000-$49,999 |
0.15%APY* |
0.15%Rate |
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$50,000-$74,999 |
0.15%APY* |
0.15%Rate |
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$75,000-$99,999 |
0.15%APY* |
0.15%Rate |
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$100,000+ |
0.20%APY* |
0.20%Rate |
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.
Rates current as of: September 20, 2021
$25,000-$49,999 |
0.20%APY* |
0.20%Rate |
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$50,000-$74,999 |
0.20%APY* |
0.20%Rate |
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$75,000-$99,999 |
0.20%APY* |
0.20%Rate |
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$100,000-$199,999 |
0.25%APY* |
0.25%Rate |
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$200,000-$499,999 |
0.25%APY* |
0.25%Rate |
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$500,000 and above |
0.30%APY* |
0.30%Rate |
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.
Rates current as of: July 22, 2025
10 Year Fixed |
5.750%Rate |
1.000%Points |
6.054%APR* |
15 Year Fixed |
5.625%Rate |
0.875%Points |
5.819%APR* |
20 Year Fixed |
6.000%Rate |
1.000%Points |
6.172%APR* |
30 Year Fixed |
6.250%Rate |
1.000%Points |
6.381%APR* |
FHA 30 Year Fixed |
6.125%Rate |
1.000%Points |
6.425%APR* |
10/1 ARM |
5.750%Rate |
1.000%Points |
7.222%APR* |
7/1 ARM |
5.625%Rate |
1.000%Points |
7.654%APR* |
5/1 ARM |
5.375%Rate |
1.125%Points |
7.755%APR* |
7/1 Jumbo Purchase |
5.625%Rate |
1.000%Points |
7.630%APR* |
5/5 Jumbo Purchase |
5.375%Rate |
1.125%Points |
7.662%APR* |
30 Year Fixed 100% |
7.625%Rate |
1.000%Points |
7.767%APR* |
7/1 ARM 100% |
6.250%Rate |
1.000%Points |
8.239%APR* |
10/1 ARM 100% |
6.500%Rate |
1.000%Points |
7.926%APR* |
*APR=Annual Percentage Rate. Published rates and terms based on primary homes. Other rates and terms available for secondary homes and investment properties. This page is updated regularly. Rates are subject to change without prior notification. Adequate property and flood insurance required, if applicable.
Actual rates may vary depending on your specific terms. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rate quotes are not guaranteed until you submit a full application and we receive a fully completed and executed rate lock agreement.
Loans above 80% LTV may require private mortgage insurance (PMI). In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage.
Rates current as of: July 22, 2025
10 Year Fixed |
5.875%Rate |
0.875%Points |
6.180%APR* |
15 Year Fixed |
5.750%Rate |
0.875%Points |
5.945%APR* |
20 Year Fixed |
6.125%Rate |
0.875%Points |
6.298%APR* |
30 Year Fixed |
6.375%Rate |
0.875%Points |
6.507%APR* |
FHA 30 Year Fixed |
6.250%Rate |
1.125%Points |
6.553%APR* |
10/1 ARM |
5.750%Rate |
1.000%Points |
7.222%APR* |
7/1 ARM |
5.625%Rate |
1.000%Points |
7.654%APR* |
5/1 ARM |
5.375%Rate |
1.125%Points |
7.755%APR* |
*APR=Annual Percentage Rate. Published rates and terms based on primary homes. Other rates and terms available for secondary homes and investment properties. This page is updated regularly. Rates are subject to change without prior notification. Adequate property and flood insurance required, if applicable.
Actual rates may vary depending on your specific terms. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rate quotes are not guaranteed until you submit a full application and we receive a fully completed and executed rate lock agreement.
Loans above 80% LTV may require private mortgage insurance (PMI). In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage.
Rates current as of: January 14, 2025
Home Equity Line of Credit – Initial draw of $20,000 or more |
Up to 90% / Up to 20 yearsLoan-to-Value Ratio / Terms |
4.99% ** 12 month variable intro rateAPR* |
$6.59 during intro rate periodMonthly Payment (per $1,000) |
Home Equity Line of Credit- Initial draw of $20,000 or more |
81 – 90% / Up to 20 yearsLoan-To-Value-Ratio / Terms |
8.00%APR* |
$8.36 for 20 yearsMonthly Payment (per $1,000) |
Home Equity Line of Credit- Initial draw of $20,000 or more |
80% / Up to 20 yearsLoan-To-Value-Ratio / Terms |
7.50%APR* |
$8.06 for 20 yearsMonthly Payment (per $1,000) |
Home Equity Line of Credit- Initial draw less than $20,000 |
81-90% / Up to 20 yearsLoan-To-Value-Ratio / Terms |
8.50%APR* |
$8.68 for 20 yearsMonthly Payment (per $1,000) |
Home Equity Line of Credit- Initial draw less than $20,000 |
80% / Up to 20 yearsLoan-To-Value-Ratio / Terms |
8.00%APR* |
$8.36 for 20 yearsMonthly Payment (per $1,000) |
HELOC Sub Account – $5,000 to $9,999 |
81 – 90% / 12 to 60 monthsLoan-To-Value-Ratio / Terms |
8.99% fixedAPR* |
$20.75 for 60 monthsMonthly Payment (per $1,000) |
HELOC Sub Account – $10,000 to $14,999 |
81 – 90% / 12 to 120 monthsLoan-To-Value-Ratio / Terms |
8.99% fixedAPR* |
$12.66 for 120 monthsMonthly Payment (per $1,000) |
HELOC Sub Account – $15,000 or more |
81 – 90% / 12 to 180 monthsLoan-To-Value-Ratio / Terms |
8.99% fixedAPR* |
$10.14 for 180 monthsMonthly Payment (per $1,000) |
HELOC Sub Account – $5,000 to $9,999 |
80% / 12 to 60 monthsLoan-To-Value-Ratio / Terms |
8.49% fixedAPR* |
$20.51 for 60 monthsMonthly Payment (per $1,000) |
HELOC Sub Account – $10,000 to $14,999 |
80% / 12 to 120 monthsLoan-To-Value-Ratio / Terms |
8.49% fixedAPR* |
$12.39 for 120 monthsMonthly Payment (per $1,000) |
HELOC Sub Account – $15,000 or more |
80% / 12 to 180 monthsLoan-To-Value-Ratio / Terms |
8.49% fixedAPR* |
$9.84 for 180 monthsMonthly Payment (per $1,000) |
*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 $500,000 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 the line of credit is paid off and closed within 36 months or original note date, closing costs must be reimbursed to SECU by borrower. Adequate property and flood insurance required, if applicable. Rates for investment properties, second homes, and vacation homes may be higher.
**Introductory rate is a variable rate of Prime minus 2.51% for 12 months, subject to a minimum of 2.50%. This results in the APR stated above, but it can change based on prime. Introductory rate offer is valid on qualified (including a minimum 700 FICO) new home equity line of credit applications with a minimum initial draw of $20,000 and a maximum 90% combined Loan-to-Value (CLTV). The introductory rate is available for primary residences only and applies when borrowers select a direct loan payment from a SECU account and have direct deposit of a full pay check to SECU checking account (existing direct deposit qualifies). 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. 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. Consult a tax professional for further information regarding the potential tax deductibility of your interest payments and charges.
HELOC Sub-account rates reflected above assume the HELOC was opened with a minimum initial draw of at least $20,000. Your rate may be higher if a HELOC is opened with a minimum initial draw less than $20,000.
Direct Deposit Requirement Introduced
SECU advances costs for appraisals, credit reports and closing costs on your SECU Home Equity Loan or Line of Credit (primary/secondary residence only) on loan amounts less than $500,000. Closing costs generally range from $850 to $1,000 on a $20,000 line of credit. If the line of credit is paid off and closed within 36 months of original note date, closing costs must be reimbursed to SECU by borrower. This promotional offer specified applies where borrowers select direct loan payment from a SECU account and have direct deposit of full pay check to SECU checking account (existing direct deposit qualifies).
Rates current as of: January 14, 2025
Home Improvement Loan |
up to 60 monthsTerms |
10.50%APR* |
*APR=Annual Percentage Rate. Published rates and terms based on primary homes. Other rates and terms available for secondary homes and investment properties. This page is updated regularly. Rates are subject to change without prior notification. Adequate property and flood insurance required, if applicable.
Actual rates may vary depending on your specific terms. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rate quotes are not guaranteed until you submit a full application and we receive a fully completed and executed rate lock agreement.
Loans above 80% LTV may require private mortgage insurance (PMI). In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage.
Rates current as of: July 11, 2025
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3 months | Open Now |
2.55%APY* |
2.53%Rate |
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6 months | Open Now |
4.25%APY* |
4.18%Rate |
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9 months | Open Now |
4.15%APY* |
4.09%Rate |
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11 months | Open Now |
4.10%APY* |
4.04%Rate |
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1 year | Open Now |
3.55%APY* |
3.50%Rate |
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12 Month Gold |
3.70%APY* |
3.65%Rate |
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12 Month Platinum |
3.80%APY* |
3.75%Rate |
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1-year Add-On | Open Now |
2.85%APY* |
2.82%Rate |
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1-year Jumbo |
3.65%APY* |
3.60%Rate |
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13 Month | Open Now |
3.55%APY* |
3.50%Rate |
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18 months | Open Now |
3.30%APY* |
3.26%Rate |
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2 years | Open Now |
3.30%APY* |
3.26%Rate |
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2-year Jumbo |
3.30%APY* |
3.26%Rate |
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30 months | Open Now |
3.10%APY* |
3.06%Rate |
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3 years | Open Now |
3.30%APY* |
3.26%Rate |
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4 years | Open Now |
1.75%APY* |
1.74%Rate |
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5 years | Open Now |
1.80%APY* |
1.79%Rate |
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5-year Step-Up |
1.40%APY* |
1.39%Rate |
*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 800-879-7328 for details. The minimum deposit for Jumbo CDs is $100,000.
12 Month Gold and 12 Month Platinum CDs are only available to members that have a SECU Total™ Checking & Rewards account that qualified for the Gold or Platinum rewards level in the last 3 months and must be opened in a branch, Virtual Financial Center, or via mail. Click here for more details.
Rates for CDs terms that are less than 12 months do not apply to IRA accounts and are only for CD savings accounts.
Rates current as of: September 29, 2021
IRA Savings |
0.10%APY* |
0.10%Rate |
$10.00Minimum Balance |
Roth Contributory IRA |
0.10%APY* |
0.10%Rate |
$10.00Minimum Balance |
Coverdell Education Savings Account |
0.10%APY* |
0.10%Rate |
$10.00Minimum Balance |
Roth Conversion IRA |
0.10%APY* |
0.10%Rate |
$10.00Minimum Balance |
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change without prior notice. The minimum deposit for Jumbo CDs is $100,000.
12 Month Gold and 12 Month Platinum CDs are only available to members that have a SECU Total™ Checking & Rewards account that qualified for the Gold or Platinum rewards level level in the last 3 months and must be opened in a branch, Virtual Financial Center, or via mail. Click here for more details.
Rates current as of: June 5, 2025
1 year |
3.55%APY* |
3.50%Rate |
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12 Month GoldRequires SECU TotalTM Checking – Gold level |
3.70%APY* |
3.65%Rate |
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12 Month PlatinumRequires SECU TotalTM Checking – Platinum level |
3.80%APY* |
3.75%Rate |
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1-year Jumbo |
3.65%APY* |
3.60%Rate |
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13 Month |
3.55%APY* |
3.50%Rate |
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15 months (Traditional/Roth/Educational IRA Certificates only) |
3.20%APY* |
3.16%Rate |
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18 months |
3.30%APY* |
3.26%Rate |
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2 years |
3.30%APY* |
3.26%Rate |
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2-year Jumbo |
3.30%APY* |
3.26%Rate |
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30 months |
3.10%APY* |
3.06%Rate |
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3 years |
3.30%APY* |
3.26%Rate |
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4 years |
1.75%APY* |
1.74%Rate |
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5 years |
1.80%APY* |
1.79%Rate |
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5-year Step Up |
1.40%APY* |
1.39%Rate |
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change without prior notice. The minimum deposit for Jumbo CDs is $100,000.
12 Month Gold and 12 Month Platinum CDs are only available to members that have a SECU Total™ Checking & Rewards account that qualified for the Gold or Platinum rewards level level in the last 3 months and must be opened in a branch, Virtual Financial Center, or via mail. Click here for more details.
Rates current as of: March 1, 2025
36 Month – New Auto or Truck Purchase/Refinance |
4.24%APR* |
$29.63Monthly Payment (per $1,000) |
NoneMinimum Loan Amount |
48 – 60 Month – New Auto or Truck Purchase/Refinance |
4.74%APR* |
$22.91, $18.75Monthly Payment (per $1,000) |
NoneMinimum Loan Amount |
72 Month – New Auto or Truck Purchase/Refinance |
5.24%APR* |
$16.22Monthly Payment (per $1,000) |
$15,000Minimum Loan Amount |
84 Month – New Auto or Truck Purchase/Refinance |
5.99%APR* |
$14.60Monthly Payment (per $1,000) |
$35,000Minimum Loan Amount |
36 Month – Used Auto or Truck Purchase/Refinance |
4.49%APR* |
$29.74Monthly Payment (per $1,000) |
NoneMinimum Loan Amount |
48 – 60 Month – Used Auto or Truck Purchase/Refinance |
4.99%APR* |
$23.02, $18.87Monthly Payment (per $1,000) |
NoneMinimum Loan Amount |
72 Month – Used Auto or Truck Purchase/Refinance |
5.49%APR* |
$16.33Monthly Payment (per $1,000) |
$15,000Minimum Loan Amount |
84 Month – Used Auto or Truck Purchase/Refinance |
6.24%APR* |
$14.72Monthly Payment (per $1,000) |
$35,000Minimum Loan Amount |
*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. Refinance rates are based on refinancing from another institution; refinance of a SECU auto loan may yield a higher rate. 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. Advertised rates are subject to change without notice and are subject to credit approval. Additional terms and restrictions may apply. Membership Required.
Rates current as of: July 23, 2025
Share Secured |
60Maximum term (in months) |
4.50%APR* |
$18.64Monthly Payment (per $1,000) |
Savings CD Secured |
60Maximum Term (in months) |
4.50%APR* |
$18.64Monthly Payment (per $1,000) |
Money Manager Secured |
60Maximum term (in months) |
4.50%APR* |
$18.64Monthly Payment (per $1,000) |
*APR=Annual Percentage Rate. This page is updated regularly. Rates are subject to change at any time without notice.
** The minimum monthly payment is $50.
Rates current as of: January 14, 2025
Preferred Line of Credit |
N/AMaximum term (in months) |
16.24%APR* |
$24.45Monthly Payment (per $1,000) |
Signature Loan |
60Maximum Term (in months) |
15.24%APR* |
$23.92Monthly Payment (per $1,000) |
*APR=Annual Percentage Rate. This page is updated regularly. Rates are subject to change at any time without notice.
** The minimum monthly payment is $50.
Rates current as of: January 1, 2025
Undergraduate |
Term (in years) |
8.75% – 12.25%Monthly Payment (per $1,000) |
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Graduate Business |
Term (in years) |
8.75% – 12.25%Monthly Payment (per $1,000) |
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Student Loan Refinance (Fixed Rate) |
5-YearTerm (in years) |
4.42% and 7.00%Monthly Payment (per $1,000) |
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Student Loan Refinance (Fixed Rate) |
10-YearTerm (in years) |
4.92% and 8.00%Monthly Payment (per $1,000) |
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Student Loan Refinance (Fixed Rate) |
15-YearTerm (in years) |
7.08% and 9.50%Monthly Payment (per $1,000) |
*APR=Annual Percentage Rate. This page is updated regularly. Rates are subject to change at any time without notice.
** The minimum monthly payment is $50.
Rates current as of: September 8, 2022
Business Savings |
0.35%APY* |
0.35%Rate |
$10Minimum Balance |
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.
Rates current as of: July 19, 2025
Free business checking |
0.00%APY* |
0.00%Rate |
$100Minimum Balance to open |
Analyzed business checking |
0.00%APY* |
0.00%Rate |
$100Minimum Balance to open |
Interest-earning business checking |
2.00%APY* |
1.98%Rate |
$100Minimum Balance to open |
Estate business checking |
0.25%APY* |
0.25%Rate |
$100Minimum Balance to open |
Nonprofit business checking |
2.00%APY* |
1.98%Rate |
$100Minimum Balance to open |
*APY = Annual Percentage Yield. Rates are subject to change without notice.
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. Fees may reduce earnings.
Rates current as of: February 16, 2023
$0 – $4,999 |
0.50%APY* |
0.50%Rate |
|
$5,000 – $24,999 |
0.75%APY* |
0.75%Rate |
|
$25,000 – $49,999 |
1.00%APY* |
1.00%Rate |
|
$50,000 – $99,999 |
1.19%APY* |
1.20%Rate |
|
$100,000 – $249,999 |
1.39%APY* |
1.40%Rate |
|
$250,000+ |
1.59%APY* |
1.60%Rate |
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.
Rates current as of: November 19, 2024
0 – $99,999.99 |
0.00%APY* |
0.00%Rate |
|
$100,000.00 – $249,999.99 |
3.00%APY* |
2.96%Rate |
|
$250,000.00 – $499,999.99 |
3.25%APY* |
3.20%Rate |
|
$500,000.00 – $999,999.99 |
3.25%APY* |
3.20%Rate |
|
$1,000,000.00 – $4,999,999.99 |
3.51%APY* |
3.45%Rate |
|
$5,000,000.00 – $999,999,999.99 |
3.51%APY* |
3.45%Rate |
Minimum $100,000 new money from a financial institution outside of SECU required to open a Business High Yield Money Market account. Money in an existing SECU deposit account does not count towards the minimum. Account can only be opened through a branch or the Virtual Financial Center. APY = Annual Percentage Rate. Rates and required balance amounts subject to change at any time without notice. See https://secumd.org/rates-calculators for current rates. Fees may reduce earnings on the account. Membership eligibility required. Federally insured by NCUA.
