Rates

Current Share (Savings) Rates

 DividendAPYMinimum
Share Savings0.01%0.01%$100
Sub-Share Savings0.01%0.01%$100

 

Current Share Certificate Rates

TermDividendAPYMinimum DepositMaximum Deposit
91 Day0.10%0.10%$500$250,000
182 Day0.10%0.10%$500$250,000
12 Month0.15%0.15%$500$250,000
18 Month*0.15%0.15%$500$250,000
24 Month*0.20%0.20%$500$250,000
30 Month*0.20%0.20%$500$250,000
36 Month*0.25%0.25%$500$250,000
48 Month*0.30%0.30%$500$250,000
60 Month*0.35%0.35%$500$250,000

 

Current IRA Rates

TermDividendAPYMinimum DepositMaximum Deposit
91 Day0.10%0.10%$500$250,000
182 Day0.10%0.10%$500$250,000
12 Month 0.15%0.15%$500$250,000
18 Month*0.15%0.15%$500$250,000
24 Month*0.20%0.20%$500$250,000
30 Month*0.20%0.20%$500$250,000
36 Month*0.25%0.25%$500$250,000
48 Month*0.30%0.30%$500$250,000
60 Month*0.35%0.35%$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 Tier750+720-749680-719660-679560-659
0 to 36 months3.74%4.24%5.25%6.75%Ask about our
Smart Choice Lending Program
37 to 48 months3.99%4.49%5.50%7.00%Ask about our
Smart Choice Lending Program
49 to 60 months4.24%4.74%5.75%7.50%Ask about our
Smart Choice Lending Program
61 to 72 months4.74%5.24%6.25%8.50%Ask about our
Smart Choice Lending Program
73 to 84 months
*2018 or newer
5.49%5.99%7.25%NAAsk about our
Smart Choice Lending Program

 

Recreation Vehicles: 2016 – 2018

Credit Tier750+720-749680-719660-679560-659
0 to 36 months3.74%4.24%5.25%6.75%9.75%
37 to 48 months3.99%4.49%5.50%7.00%10.25%
49 to 60 months4.24%4.74%5.75%7.50%11.25%
61 to 72 months4.24%5.24%6.25%8.50%NA
73 to 84 months
*2018 or newer
5.49%5.99%7.25%NANA
85 to 120 months ($25,000+)
*2018 or newer
7.24%7.74%NANANA

 

ATVs, Snowmobiles, & Watercrafts: 2016 – 2018

Credit Tier780+750-779720-749680-719660-679560-659
0 to 36 months6.00%6.25%7.25%8.25%10.25%12.25%
37 to 48 months7.00%7.25%8.25%9.25%11.25%12.75%
49 to 60 months8.00%8.25%9.25%10.25%12.25%13.25%
61 to 72 months9.00%9.25%10.25%N/AN/AN/A

 

Personal Unsecured

Credit Tier780+750-779720-749680-719660-679600-659599 or lower
0 to 12 months7.75%8.00%9.00%10.50%11.50%13.50%14.50%
13 to 24 months8.25%8.50%9.50%11.00%12.00%14.50%15.50%
25 to 36 months8.75%9.00%10.00%11.50%12.50%15.50%16.50%
37 to 48 months9.75%10.00%11.00%12.00%13.00%16.50%17.50%
49 to 60 months10.25%10.50%11.50%12.50%N/AN/AN/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

Mortgage TypeAPR
30 Year Fixed RateCall Us
15 Year Fixed RateCall Us

Annual Percentage Rates (APR) are set by CU Mortgage and are subject to change daily.