Rates

Current Share (Savings) Rates

DividendAPYMinimum Balance to Earn the Stated APY
Share Savings0.05%0.05%$100
Sub-Share Savings0.05%0.05%$100

 

Current Share Certificate Rates

TermRatesAPYMinimum DepositMaximum Deposit
182 Day4.00%4.04%$500$250,000
12 Month4.00%4.06%$500$250,000
18 Month*3.75%3.80%$500$250,000
24 Month*3.25%3.29%$500$250,000
36 Month*3.25%3.29%$500$250,000
48 Month*3.25%3.29%$500$250,000
60 Month*3.25%3.29%$500$250,000

 

Current IRA Rates

TermRatesAPYMinimum DepositMaximum Deposit
182 Day4.00%4.04%$500$250,000
12 Month 4.00%4.06%$500$250,000
18 Month*3.75%3.80%$500$250,000
24 Month*3.25%3.29%$500$250,000
36 Month*3.25%3.29%$500$250,000
48 Month*3.25%3.29%$500$250,000
60 Month*3.25%3.29%$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 months7.49%7.99%9.00%10.50%Ask about our
Smart Choice Lending Program
37 to 48 months7.74%8.24%9.25%10.75%Ask about our
Smart Choice Lending Program
49 to 60 months7.99%8.49%9.50%11.25%Ask about our
Smart Choice Lending Program
61 to 72 months8.49%8.99%10.00%12.25%Ask about our
Smart Choice Lending Program
73 to 84 months
*2019 or newer
9.24%9.74%11.00%NAAsk about our
Smart Choice Lending Program

 

Recreation Vehicles: 2016 – 2018

Credit Tier750+720-749680-719660-679560-659
0 to 36 months7.49%7.99%9.00%10.50%13.50%
37 to 48 months7.74%8.24%9.25%10.75%14.00%
49 to 60 months7.99%8.49%9.50%11.25%15.00%
61 to 72 months8.49%8.99%10.00%12.25%NA
73 to 84 months
*2019 or newer
9.24%9.74%11.00%NANA
85 to 120 months ($25,000+)
*2019 or newer
10.99%11.49%NANANA

 

ATVs, Snowmobiles, & Watercrafts: 2016 – 2018

Credit Tier780+750-779720-749680-719660-679560-659
0 to 36 months9.75%10.00%11.00%12.00%14.00%16.00%
37 to 48 months10.75%11.00%12.00%13.00%15.00%16.50%
49 to 60 months11.75%12.00%13.00%14.00%16.00%17.00%
61 to 72 months12.75%13.00%14.00%N/AN/AN/A

 

Personal Unsecured

Credit Tier780+750-779720-749680-719660-679600-659599 or lower
0 to 12 months12.75%13.00%14.00%15.50%16.50%18.00%18.00%
13 to 24 months13.25%13.50%14.50%16.00%17.00%18.00%18.00%
25 to 36 months13.75%14.00%15.00%16.50%17.50%18.00%18.00%
37 to 48 months14.75%15.00%16.00%17.00%18.00%18.00%18.00%
49 to 60 months15.25%15.50%16.50%17.50%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

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