Rates








Loans | Mortgage | Savings | Certificates

Loan Rates

*APR = Annual Percentage Rate
Go To Loan Application | Go To Calculators | Back to Top

                                      Annual Percentage Rates vary based on length of time financed  and Beacon Score®                                  

Beacon Score® (Equifax Credit Information Services)

730+

680-729

640-679

600-639

550-599

549 or less

Loan Type

A+

A

B

C

D

 E

Personal Line of Credit (Revolving)

9.00

9.00

11.00

13.00

18.00

18.00 

Overdraft Protection Line of Credit (Revolving)

11.00

11.00

12.00

14.50

18.00

18.00 

Co-Maker Loan (Closed End - $5,000.00 Maximum)

9.00

9.00

10.00

12.00

18.00

18.00

Vacation Loans (1 per Household per Cal. Year)

9.00

9.00

11.00

13.50

18.00 

18.00

Christmas Loans (Seasonal - Oct. 1 through Dec. 31)

9.00

9.00

10.00

12.00

18.00 

18.00

New Autos/Trucks/Motorcycles

   2.75 - 3.49

   2.75 - 3.49

 3.99 - 4.84

 5.74 - 6.59

8.74 - 9.49

13.09- 15.49

Used Autos/Trucks/Motorcycles (Up to 2 Yrs Old)

  2.75

  2.75

  4.74-5.84

 5.74- 6.59

8.74 - 9.59

 13.09-15.49
Used Autos/Trucks/Motorcycles (Over 2 Yrs Old)

2.75

2.75

4.74 - 5.49

5.74 - 6.49

8.74 - 9.59

13.09- 15.09

New Boats/Motors/Trailers

4.39 - 5.39

4.39 - 5.39

5.39 - 6.49

6.49 - 7.24

8.49 - 9.24

 15.39 -17.39
Used Boats/Motors/Trailers (Up to 2 Years Old)

4.39 - 5.74

4.39 - 5.74

5.39 - 5.99

6.49 - 7.24

8.49 - 9.24  15.74 - 17.74
Used Boats/Motors/Trailers (3, 4 or 5 Years Old)

5.74

5.74

6.49 - 6.74

7.24 - 7.74

9.24 - 9.74

17.74

Used Boats/Motors/Trailers (Over 5 Years Old)

5.74

5.74

6.74

7.74

9.74

17.99

New Furniture or Appliances / Garden Equipment  or Firearms

8.24

8.24

10.24

12.24

15.24

18.00

New Personal Computers/Computer Equipment/New Garden Equip.

8.24

8.24

10.24

12.24

15.24

18.00

New and Used Recreational Vehicles

5.14 - 5.74

5.14 - 5.74

5.19 - 6.24

6.24 - 7.49

9.24 - 10.49

 14.49- 16.24
New All Terrain Vehicles (ATV's)

5.14

5.14

6.14

7.24

10.24

15.64

Used All Terrain Vehicles (ATV's)

6.74

6.74

7.49

8.49

11.74

17.99

Share and Certificate Secured  (Contact Credit Union for Rates)

N/A

N/A

N/A

N/A

N/A

N/A

New Farm Equipment

7.74

7.74

9.24

11.24

14.24

18.00

Used Farm Equipment

7.74

7.74

9.24

12.24 

15.24

18.00

1st or 2nd Mortgage (Closed End Fixed Rate)     (Non-Purchase Money)

5.99 - 6.99

5.99 - 6.99

6.99 - 8.24

8.24 - 10.24

 9.24- 10.74  11.24- 12.74
Unimproved Land ($20,000.00 Maximum Loan)

6.99 - 7.74

6.99 - 7.74

7.74 - 8.74

8.49 - 9.49

9.24 - 9.99

  11.99 - 12.99
Home Equity Line of Credit  and Visa Platinum Credit Cards (Contact us for Details!)       

 

 

*APR = Annual Percentage Rate

Go To Loan Application | Go To Calculators | Back to Top
 

 

 Share Rates

Fees could reduce earnings on accounts. Rates may change after the
account is
opened as determined by SCI Federal Credit Union's   Board of Directors.

 

Savings

Minimum Balance

Dividend Rate

APY* Term
Prime Share Account ($0.01 to $5,000.00 Quarterly Minimum Balance) 25.00 0.15 0.15 3
Prime Share Account ($5,000.00 and above Quarterly Minimum Balance) 25.00 0.30 0.30 3
Share Draft Account (Checking) 0 0.05 0.05 3
Coverdell ESA IRA Share Account 0 0.50 0.50 3
Roth IRA Share Account 0 0.50 0.50 3
Traditional IRA Share Account 0 0.50 0.50 3

 

The Board of Directors has declared these dividend rates effective 
            October 1, 2016 through December 31, 2016.
*APY = Annual Percentage Yield   |   Fees could reduce earnings on accounts.
These rates may change from time to time as determined by the credit union's Board of Directors.


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Share Certificate Rates
 

A penalty does exist for early withdrawal on all share certificates.

 

Certificates

Minimum Deposit

Dividend Rate

APY* Term
3 Month Share Certificate $1,000.00 0.25 0.25 3 Months
6 Month Share Certificate $1,000.00 0.30 0.30 6  Months
1 Year Share Certificate $500.00 0.40 0.40 12 Months
2.5 Year Share Certificate $100.00 0.60 0.60 30 Months

 

*APY = Annual Percentage Yield

Early withdrawal may result in substantial penalties.
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