Current Share (Savings) Rates
| Dividend | APY | Minimum Balance to Earn the Stated APY | |
|---|---|---|---|
| Share Savings | 0.05% | 0.05% | $100 |
| Sub-Share Savings | 0.05% | 0.05% | $100 |
Current Share Certificate Rates
| Term | Rates | APY | Minimum Deposit | Maximum Deposit |
|---|---|---|---|---|
| 182 Day | 3.00% | 3.02% | $500 | $250,000 |
| 12 Month | 3.00% | 3.03% | $500 | $250,000 |
| 18 Month* | 2.75% | 2.78% | $500 | $250,000 |
| 24 Month* | 2.50% | 2.52% | $500 | $250,000 |
| 36 Month* | 2.25% | 2.27% | $500 | $250,000 |
| 48 Month* | 2.00% | 2.02% | $500 | $250,000 |
| 60 Month* | 2.00% | 2.02% | $500 | $250,000 |
Current IRA Rates
| Term | Rates | APY | Minimum Deposit | Maximum Deposit |
|---|---|---|---|---|
| 182 Day | 3.00% | 3.02% | $500 | $250,000 |
| 12 Month | 3.00% | 3.03% | $500 | $250,000 |
| 18 Month* | 2.75% | 2.78% | $500 | $250,000 |
| 24 Month* | 2.50% | 2.52% | $500 | $250,000 |
| 36 Month* | 2.25% | 2.27% | $500 | $250,000 |
| 48 Month* | 2.00% | 2.02% | $500 | $250,000 |
| 60 Month* | 2.00% | 2.02% | $500 | $250,000 |
*0.10% less on Share Certificates that receive a dividend check.
* **Minimums for children under 18= $100 for 30 & 36 month.
All dividend rates and Annual Percentage Yields (APY) are declared by The Board of Directors of Services Center Federal Credit Union and are subject to change monthly. A complete description of these accounts is available upon request and will be provided at account opening. Fees may reduce earnings.
Auto & Motorcycles: 2016 – 2018
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 5.49% | 5.99% | 7.99% | 10.24% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 5.74% | 6.24% | 8.24% | 10.49% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 5.99% | 6.49% | 8.49% | 10.99% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 6.49% | 6.99% | 8.99% | 11.99% | Ask about our Smart Choice Lending Program |
| 73 to 84 months *2019 or newer | 7.24% | 7.74% | 9.99% | NA | Ask about our Smart Choice Lending Program |
Recreation Vehicles: 2016 – 2018
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 6.49% | 6.99% | 8.00% | 9.50% | 12.50% |
| 37 to 48 months | 6.74% | 7.24% | 8.25% | 9.75% | 13.00% |
| 49 to 60 months | 6.99% | 7.49% | 8.50% | 10.25% | 14.00% |
| 61 to 72 months | 7.49% | 7.99% | 9.00% | 11.25% | NA |
| 73 to 84 months *2020 or newer | 8.24% | 8.74% | 10.00% | NA | NA |
| 85 to 120 months ($25,000+) *2020 or newer | 9.99% | 10.49% | NA | NA | NA |
ATVs, Snowmobiles, & Watercrafts: 2016 – 2018
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 9.00 | 10.00% | 11.00% | 13.00% | 15.00% |
| 37 to 48 months | 10.00% | 11.00% | 12.00% | 14.00% | 15.50% |
| 49 to 60 months | 11.00% | 12.00% | 13.00% | 15.00% | 16.00% |
| 61 to 72 months | 12.00% | 13.00% | N/A | N/A | N/A |
Personal Unsecured
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 12 months | 13.00% | 14.00% | 15.50% | 16.50% | 18.00% |
| 13 to 24 months | 13.50% | 14.50% | 16.00% | 17.00% | 18.00% |
| 25 to 36 months | 14.00% | 15.00% | 16.50% | 17.50% | 18.00% |
| 37 to 48 months | 15.00% | 16.00% | 17.00% | 18.00% | 18.00% |
| 49 to 60 months | 15.50% | 16.50% | 17.50% | N/A | N/A |
Credit Tiers represent the following credit score ranges: 1 = 750+, 2 = 720-749, 3 = 680-719, 4 = 640-679, 5 = 600-639, 6 = 599 or lower
Current Mortgage Rates
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Annual Percentage Rates (APR) are set by CU Mortgage and are subject to change daily.
