Loans and Savings Rates (Effective 09/01/2011)
Loans
Auto Loans - 2007 or Newer (72 month term or less)
Salvaged Title Auto Loans - 2007 or Newer (60 month term or less) |
Annual Percentage Rate
2.74%**-14.24%
Annual Percentage Rate
3.74%**-14.74% |
Auto Loans - 2006 to 2001 (60 month term or less)
Salvaged Title Auto Loans - 2006 to 2001 (48 month term or less)
|
Fully Secured - Fixed APR
4.00%**-15.00%
Fully Secured - Fixed APR
5.00%**-14.75% |
Auto Loans (Including Salvaged Title) - 2000 and older (48 month term or less)
|
Fully Secured - Fixed APR
7.50%**-17.25% |
| Classic Auto Loans - Visit with a loan officer for requirements |
Annual Percentage Rate
6.50-16.75% |
New Motor Homes, Campers, Travel Trailers, and 5th Wheels-2010 and Newer (60 month term or less) |
Annual Percentage Rate
4.50-14.75% |
| Used Motor Homes, Campers, Travel Trailers, and 5th Wheels - 2009 and Older (48 month term or less) |
Annual Percentage Rate
4.75-13.75% |
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft - 2007 & Newer (60 month term or less) |
Annual Percentage Rate
3.24%**-14.24% |
| Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft - 2006 to 2001 (48 month term or less) |
Annual Percentage Rate
4.50%**-14.25% |
| Signature Loans (48 Month Term or Less) |
Annual Percentage Rate
7.75%*-17.25% |
Home Equity Loans
|
Term
5 Years
10 Years
15 Years |
Closed End/Fixed
6.50% - 10.50%
7.00% - 11.00%
7.50% - 11.50% |
Repayment
$2.00 Per Hundred
$1.25 Per Hundred
$1.00 Per Hundred |
Line of Credit/Variable***
6.00% - 10.00%
6.50% - 10.50%
7.00% - 11.00% |
| Mortgage Loans - Rates change periodically. Visit with a Loan Officer for the most current rate to date. |
| Mobile Home Loans |
New
15 year maximum term
9.50% |
Used - 5 years old
12 year maximum term
10.00% |
Used - 6-10 years old
8 year maximum term
10.50% |
Savings
| Share Savings - Includes Special Share Savings Account |
Dividend Rate
0.10% |
Annual Percentage Yield
0.10% |
| Share Drafts (Checking) |
Dividend Rate
0.00% |
Annual Percentage Yield
0.00% |
| IRAs |
Balance Ammount
$0 - $4,999.99
$5,000 - $19,999.99
$20,000 or More
|
Dividend Rate
0.15%
0.30%
0.60% |
Annual Percentage Yield
0.15%
0.30%
0.60% |
FIMMA - $1,000 minimum opening balance required. Limit of 3 withdrawals per month. Each withdrawal and deposit must be $250 or more.
If balance falls below $1000:
|
Dividend Rate
0.15%
0.10%
|
Annual Percentage Yield
0.15%
0.10%
|
Share Certificates
Penalty for early withdrawal.
(*Make 1 withdrawal (up to 25% of initial deposit) without penalty during the term of this Certificate.) |
Term
6 Month
12 Month*
18 Month
24 Month
36 Month
48 Month
60 Month
|
Minimum Deposit
$500
$500
$1,000
$5,000
$5,000
$5,000
$5,000 |
Dividend Rate
0.40%
0.45%
0.50%
0.80%
1.00%
1.10%
1.50% |
Annual Percentage Yield
0.40%
0.45%
0.50%
0.80%
1.00%
1.11%
1.51% |
Premier Money Market - $5000 minimum opening balance required. $1,000 minimum withdrawal with a limit of 3 withdrawals per month.
If balance falls below $5000:
|
Balance Amount
$5,000.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000 and up
$5,000.00 and under |
Dividend Rate
0.20%
0.25%
0.30%
0.40%
0.50%
0.10% |
Annual Percentage Yield
0.20%
0.25%
0.30%
0.40%
0.50%
0.10% |
**Lowest APR (Annual Percentage Rate) available to Members who use four or more specific services, open their first Share Draft (Checking) account, and meet certain credit guidelines. Individual rate is determined by credit scores, subject to loan approval. Consult with a Service First Loan Representative for details and qualification criteria. Rates are subject to change. Service First Federal Credit Union is an Equal Housing Lender.
***Rate stated as Annual Percentage Rate (APR). Rate may vary depending on credit history. Rates are variable and are subject to increase after consummation. Rates are based on the value of an index, plus or minus a margin. The index is the Prime Rate as published in the Wall Street Journal and is subject to change on the first day of each year. The maximum APR is 18.00% or the maximum allowed by law, whichever is less. Property insurance is required. Some restrictions apply. Fixed-rate, closed end loans available. Rates subject to change. 1% origination fee applies. Please call 605-336-1047 or 800-456-1703 for details. |
