Rates
| IRA Share Account | ||
| Effective Date: Saturday, December 21st, 2024 | ||
| Investment | APY (Annual Percentage Yield) | Dividend Rate |
| $250 - $9,999 | 0.50% | 0.50% |
| $10,000 - $24,999 | 0.60% | 0.60% |
| $25,000 & up | 0.95% | 0.95% |
| **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts. If you are looking for more IRA Investment options, check out our Certificate of Deposit rates. | ||
| Certificate Accounts | ||
| Effective Date: Saturday, December 21st, 2024 | ||
| Term | APY (Annual Percentage Yield) | Dividend Rate |
| 3 months | 0.05% | 0.05% |
| 6 months | 0.20% | 0.20% |
| 12 months | 0.40% | 0.40% |
| 24 months | 0.50% | 0.50% |
| 36 months | 0.75% | 0.75% |
| 48 months | 0.85% | 0.85% |
| 60 Months | 0.95% | 0.95% |
| APY (Annual Percentage Yield) | ||
| Certificate Account. Statement cycle is quarterly- jan-Mar, Apr-jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term minimum Balance for 3 months $250-6 months or more $1,000. Additional deposits during term: 3 months $250-6 Months or more $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. | ||
| $1,000 minimum, current or New Money for Deposit. Non-renewable | ||
| Automobile and Motorcycles | |||
| Effective Date: Saturday, December 21st, 2024 | |||
| Category | Year(s) | Term | APR (Annual Percentage Rate) based on as low as |
| Automobile | 2021- 2024 | Up to 61 Months | 6.00% |
Automobile |
2021 - 2024 | 62 to 73 Months | 6.25% |
Automobile |
2021 - 2024 | 74 to 84 Months | 6.75% |
Automobile |
2016 - 2020 | Up to 61 Months | 6.25% |
Automobile |
2016 - 2020 | 62 to 73 Months | 6.75% |
Automobile |
2013 - 2015 | Up to 61 Months | 7.00% |
Automobile |
2013 - 2015 | Up to 73 Months | 7.25% |
| Automobile | 2012 & Older | Up to 37 Months | 7.25% |
| *Annual Percentage Rate= APR**Apply to purchases only. Rates are subject to change at any time. Rates are as low as. Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval. Contact sfcu for more details. interest will continue to accrue if no payment is made. contact sfcu for more information. 800-589-1079. | |||
| Automobile | 2012& older | Up to 61 Months | 7.75% |
| Motorcycle | Titled | Up to 61 months | 7.49% |
| Motorcycle | Titled | Up to 73 Months | 8.74% |
| Signature Loans | |||
| Effective Date: Saturday, December 21st, 2024 | |||
| Signature Loan | Term | *APR (Annual Percentage Rate) Based on as low as | Example Payment (on $1,000) |
| Signature Loan | 14-25 Months | 10.24% | $75.85 |
| Signature Loan | 26-43 Months | 10.49% | $42.93 |
| Signature Loan | 44-60 Months | 10.74% | $27.36 |
| *Annual Percentage Rate=APR. APR based on sample loan amount of 10,000 payable over the term listed above. must meet SFCU normal underwriter and qualifications and is included in the APR calculation. Rates may change at any time. contact us SFCU for more details. | |||
| Home Equity Loan Rates | ||
| Effective Date: Saturday, December 21st, 2024 | ||
| Category | Term | *APR (Annual Percentage Rate) Based on as low as |
| Home Equity (Fixed) Up to 95% LTV | 60 Months | 6.250% |
| Home Equity (Fixed) Up to 95% LTV | 120 Months | 6.750% |
| *Annual Percentage Rate. APR based on $100,000 loan amount. credit score of 730, and estimated cost of $1,500 in closing fees. Rates may change at any time. Must meet SFCU's normal underwriting qualifications to be approved. Contact SFCU for details. No loan application fees apply. Eqaul Opportunity Lender. For application. as part of the closing procedures Sunrise Family Credit Union will acquire a security interest in the property. Payment is calculated on 1.5% of the balance or $20 , which ever is greater. HELOC rates are variable and based on the index rate. | ||
| Credit Cards | |
| Term | Standard/Gold MasterCard |
Annual Percentage Rate (APR) for Purchases
|
Standard MasterCard Gold MasterCard |
APR For Balance Transfers
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Standard MasterCard Gold MasterCard |
APR for Cash Advances
|
Standard MasterCard Gold MasterCard |
How to Avoid Paying Interest on Purchases
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Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
| Set-up and Maintenance Fees | |
| Annual Fee | None |
| Account Set-up Fee | None |
| Program Fee | None |
| Participation Fee | None |
| Additional Card Fee | None |
| Application Fee | None |
| Transaction Fees | |
| Balance Transfer Fee | None |
| Cash Advance Fee | None |
| Foreign Transaction Fee | 1.00% of each transaction in U.S. dolalrs |
| Transaction Fee for Purchases | None |
| Penalty Fees | |
| Late Payment Fee | Up to $25.00 |
| Over-the-Credit Limit Fee | None |
| Returned Payment Fee | Up to $25.00 |
For California Borrowers, the Standard MasterCard and Gold MasterCard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Card Recovery Fee: None.
Card Replacement Fee: $10.00.
Document Copy Fee: $2.00.
Emergency Card Replacement Fee: $25.00.
PIN Replacement Fee: None.
Rush Fee: $25.00.
Statement Copy Fee: $2.00.
Unreturned Card Fee: None.
All Rates Quoted "As Low As"
APR = Annual Percentage Rate
| Featured Rates | ||
| Effective Date: Saturday, December 21st, 2024 | ||
| Rate as low as | Term | |
| Home Equity Loan | 6.250% | 60 months |
| First Mortgage | 5.500% | 10 year fixed |
| Certificate of Deposit | 0.40% | 12 months |
| Money Market | ||
| Effective Date: Saturday, December 21st, 2024 | ||
| Amount | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| $2000 -$9,999 | 0.50% | 0.50% |
| $10,000 - $24,999 | 0.60% | 0.60% |
| $25,000 -and up | 0.95% | 0.95% |
*Annual Percentage Rate **Annual Percentage Yield *Require $500 minimum investment for a Certificate of Deposit under $100,000. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. ***Bump CD's have option to change rate to current rate once per CD term.
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| Young Savers (Thru age 21) | ||
| Effective Date: 11/4/19 | ||
| Term | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| 6 months | .40% | .40% |
(Minimum deposit of $100. Maximum deposit of $2,500) Certificate of Deposit Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.
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| SAVE TO WIN | ||
| Effective Date: 11/4/19 | ||
| Term | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| 12 months | .40% | .40% |
*Annual Percentage Rate **Annual Percentage Yield *Require $25 minimum investment for a Save to Win Certificate of Deposit. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.
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