Rates

Click a option below to learn more about our rates.

Savings

Deposit Account Type Rate
Regular Shares 0.10% APR*
Rewards Checking 4.00% APR* ***
Christmas and Vacation Club 0.15% APR*
IRA Shares 0.25% APR*
High Yield  
$2,000 – 9,999.99 0.21% APR*
$10,000 – 24,999.99 0.25% APR*
$25,000 – 49,999.99 0.35% APR*
$50,000 and above 0.45% APR*

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Share Certificate Accounts

Certificate Type Rate
6 month 0.9 APR
12 month 1.2 APR
24 month 1.6 APR
36 month 1.9 APR
48 month 2.1 APR
60 month 2.5 APR

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Loans

NADA Guides

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AUTO LOAN CALCULATOR

Auto, Motorcycle, RV, Boat
0.25% APR* discount for all Hole in One members
or
0.25% APR* discount with AFT loan payment from SB CFCU checking account with Direct Deposit

2010 & newer (less than 100,000 miles)

Term Rate
84 months 4.00% APR* 2014 & newer (30k miles or less) over $25,000
72 months 3.25% APR* 2011 & newer, over $17,000
60 months 2.75% APR*
48 months 2.49% APR*
36 months 1.95% APR*
up to 36 months 4.99%APR*

2009 & older

Term Rate
60 months 3.75% APR*
48 months 3.50% APR*
36 months 3.25% APR*
Boats, Trailers, Campers, Motorhomes over $25,000
85-120 months 6.75% APR*
All Terrain Snowmobiles, off-road bikes, etc...
up to 60 months 6.75% APR*

The following guidelines apply:

  • 2013 & newer; over $25,000 (30k miles or less) - up to 84 months
  • 2010 & newer; over $17,000 – up to 72 months
  • 2010 & newer – up to 60 months
  • 2008 & newer – up to 48 months
  • 2007 & newer – up to 36 months
  • 2006 and older – up to 36 months as collateral or will default to a 4 Seasons Loan

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Personal (Unsecured)

Type Term Rate
4 Seasons Loan 36 months 9.75% APR*
4 Seasons Loan 24 months 9.00% APR*
4 Seasons Loan 12 months 8.50% APR*
Revolving 48 months 12.00% APR*
Share Secured   3.99% APR*
VISA   9.90% APR***

Home Equity – Contact SB CFCU for current rate

Mortgages – Current rates can be found at, www.memberfirstmortgage.com and contact SB CFCU with any questions.

Student Loans – We have partnered with Sallie Mae to help you further your education.

Sallie Mae

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Loan Rates are based on credit score.

*APR = Annual Percentage Rate

**Rate is variable

***Requirements must be met to earn dividends

NOTE TO OUR MEMBERS:

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SB Community Federal Credit Union is not responsible for the content or availability of any sites to which it is providing links.