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

TermDividendAPYMinimum DepositMaximum Deposit
182 Day1.00%1.00%$500$250,000
12 Month2.00%2.00%$500$250,000
18 Month*1.75%1.75%$500$250,000
24 Month*1.75%1.75%$500$250,000
36 Month*1.75%1.75%$500$250,000
48 Month*1.75%1.75%$500$250,000
60 Month*1.75%1.75%$500$250,000

 

Current IRA Rates

TermDividendAPYMinimum DepositMaximum Deposit
182 Day1.00%1.00%$500$250,000
12 Month 2.00%2.00%$500$250,000
18 Month*1.75%1.75%$500$250,000
24 Month*1.75%1.75%$500$250,000
36 Month*1.75%1.75%$500$250,000
48 Month*1.75%1.75%$500$250,000
60 Month*1.75%1.75%$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 months5.74%6.24%7.25%8.75%Ask about our
Smart Choice Lending Program
37 to 48 months5.99%6.49%7.50%9.00%Ask about our
Smart Choice Lending Program
49 to 60 months6.24%6.74%7.75%9.50%Ask about our
Smart Choice Lending Program
61 to 72 months6.74%7.24%8.25%10.50%Ask about our
Smart Choice Lending Program
73 to 84 months
*2019 or newer
7.49%7.99%9.25%NAAsk about our
Smart Choice Lending Program

 

Recreation Vehicles: 2016 – 2018

Credit Tier750+720-749680-719660-679560-659
0 to 36 months5.74%6.24%7.25%8.75%11.75%
37 to 48 months5.99%6.49%7.50%9.00%12.25%
49 to 60 months6.24%6.74%7.75%9.50%13.25%
61 to 72 months6.74%7.24%8.25%10.50%NA
73 to 84 months
*2019 or newer
7.49%7.99%9.25%NANA
85 to 120 months ($25,000+)
*2019 or newer
9.24%9.74%NANANA

 

ATVs, Snowmobiles, & Watercrafts: 2016 – 2018

Credit Tier780+750-779720-749680-719660-679560-659
0 to 36 months8.00%8.25%9.25%10.25%12.25%14.25%
37 to 48 months9.00%9.25%10.25%11.25%13.25%14.75%
49 to 60 months10.00%10.25%11.25%12.25%14.25%15.25%
61 to 72 months11.00%11.25%12.25%N/AN/AN/A

 

Personal Unsecured

Credit Tier780+750-779720-749680-719660-679600-659599 or lower
0 to 12 months9.75%10.00%11.00%12.50%13.50%15.50%16.50%
13 to 24 months10.25%10.50%11.50%13.00%14.00%16.50%17.50%
25 to 36 months10.75%11.00%12.00%13.50%14.50%17.50%18.00%
37 to 48 months11.75%12.00%13.00%14.00%15.00%18.00%18.00%
49 to 60 months12.25%12.50%13.50%14.50%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.