Rates
Mortgage Rates
As of 11/18/24
| Loan Type | Max. LTV | Max. Amount | Origination Fee | APR* As Low As | Origination Fee | APR* As Low As | ||
|---|---|---|---|---|---|---|---|---|
| 5/1 ARM | 80% | $2,000,000 | 1% | 5.875% | 0% | 6.075% | ||
| 15-Year Fixed | 80% | $2,000,000 | 1% |
5.500%
|
0% |
5.700%
|
||
| 30-Year Fixed | 80% | $2,000,000 | 1% | 6.250% | 0% | 6.450% |
Home Equity Line of Credit (HELOC)
| Loan Type | CLTV | Max. Line of Credit Amount | Term Up to | APR* As Low As(1) |
|---|---|---|---|---|
| Home Equity Line of Credit | Up to 70% | $125,000 | 20 year | 8.25% |
| Home Equity Line of Credit | Up to 80% | $125,000 | 20 year | 8.50% |
*APR means Annual Percentage Rate. (1) APR As Low As includes a 0.25% interest rate discount for automatic payment from a SAG-AFTRA FCU checking account.
Visa Credit Cards
| Loan Type | Amount | Term | APR* As Low As | Payment Per $1,000 Borrowed Based on APR & Term |
|---|---|---|---|---|
| Visa Classic | Credit Limits up to $15,000 | Revolving | 12.49% | Varies |
| Visa Rewards | Credit Limits up to $15,000 | Revolving | 14.49% | Varies |
*APR means Annual Percentage Rate.
Automobile Loans
| Loan Type | Financing LTV based upon creditworthiness | Minimum Loan Amount | Term Up to | APR* As Low As(1) | Payment Per $1,000 Borrowed Based on APR & Term | APR* As Low As(1) | Payment Per $1,000 Borrowed Based on APR & Term |
|---|---|---|---|---|---|---|---|
|
2023 & Newer Model Years
|
120%
|
$5,000
|
24
Months
|
6.49% |
$44.57
|
5.49%
|
$44.11
|
|
|
120%
|
$5,000
|
36
Months
|
6.74%
|
$30.78
|
5.74%
|
$30.32
|
|
120%
|
$5,000
|
48 - 60 Months
|
6.99%
|
$19.80
|
5.99%
|
$19.33
|
|
| 120% | $5,000 | 72 months | 7.24% | $17.17 | 6.24% | $16.69 | |
| 120% | $5,000 | 84 Months | 7.74% |
$15.47
|
6.74% |
$14.98
|
|
| 2019-2022 Model Years | 120% | $5,000 |
24
Months
|
6.99% | $44.79 | 5.99% |
$44.34
|
| 120% | $5,000 | 36 Months | 7.24% | $31.01 | 6.24% |
$30.55
|
|
| 120% | $5,000 | 48 - 60 months | 7.49% | $20.04 | 6.49% |
$19.57
|
|
| 120% | $5,000 | 72 Months | 7.74% | $17.41 | 6.74% | $16.93 | |
| 120% | $5,000 | 84 Months | 8.24% | $15.72 | 7.24% |
$15.22
|
|
| 2014-2018 Model Years | 100% | $5,000 |
24
Months
|
8.49% | $31.59 | 7.49% |
$31.12
|
| 100% | $5,000 | 36 Months | 8.74% | $31.70 | 7.74% |
$31.24
|
|
| 100% | $5,000 | 48 - 60 Months | 8.99% | $20.76 | 7.99% |
$20.28
|
*APR means Annual Percentage Rate. (1) APR As Low As includes a 1% interest rate discount for automatic payment from a SAG-AFTRA FCU checking account.
Motorcycle, Boat, and RV Loans
| Loan Type | Maximum Financing | Min Loan Amount | Term | APR* As Low As(1) | Payment Per $1,000 Borrowed Based on APR & Term | APR* As Low As(1) | Payment Per $1,000 Borrowed Based on APR & Term |
|---|---|---|---|---|---|---|---|
| 2023 and Newer Models | 90% | $5,000 |
24
Months
|
10.99% | $46.64 | 9.99% | $46.17 |
| 90% | $5,000 |
36
Months
|
11.24% | $32.88 | 10.24% | $32.41 | |
| 90% | $5,000 | 48 - 60 Months | 11.49% | $22.00 | 10.49% | $21.50 | |
| 90% | $5,000 |
72
Months
|
11.74% | $19.42 | 10.74% |
$18.91
|
|
| 90% | $5,000 |
84
Months
|
12.24% | $18.61 | 11.24% |
$18.06
|
|
| 2019-2022 Model Years | 90% | $5,000 |
24
Months
|
11.49% | $46.88 | 10.49% | $46.41 |
| 90% | $5,000 |
36
Months
|
11.74% | $33.12 | 10.74% | $32.64 | |
| 90% | $5,000 |
48 - 60
Months
|
11.99% | $22.25 | 10.99% | $21.75 | |
| 90% | $5,000 |
72
Months
|
12.24% | $19.68 | 11.24% | $19.17 | |
| 90% | $5,000 |
84
Months
|
12.74% | $18.88 | 11.74% | $18.33 | |
| 2014-2018 Model Years | 90% | $5,000 |
48 - 60
Months
|
13.49% | $23.01 | 12.49% | $22.50 |
*APR means Annual Percentage Rate. (1) APR As Low As includes a 1% interest rate discount for automatic payment from a SAG-AFTRA FCU checking account.
Signature Loans
| Loan Type | Financing | Amount | Term Up to | APR* As Low As(1) | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As1 | Repayment Per $1,000 Borrowed Based on APR & Term |
|---|---|---|---|---|---|---|---|
| Unsecured | Fixed rate | $1,500 - $15,000 | 60 Months | 12.40% | $22.46 | 11.40% | $21.95 |
*APR means Annual Percentage Rate. (1) APR As Low As includes a 1% interest rate discount for automatic payment from a SAG-AFTRA FCU checking account.
Musical Instrument & Musical Equipment Loans
| Loan Type | Financing | Amount | Term up to | APR* As Low As(1) | Repayment Per $1,000 Borrowed Based on APR & Term | APR* As Low As¹ | Repayment Per $1,000 Borrowed Based on APR & Term |
|---|---|---|---|---|---|---|---|
| Secured | Fixed rate | Up to $50,000 |
Up to 60 Months |
6.99% |
$19.80 | 5.99% |
$19.29 |
Musical Instrument and Musical Equipment Loans must be secured by a UCC filing on the instrument or equipment. *APR means Annual Percentage Rate. (1) APR As Low As includes a 1% interest rate discount for automatic payment from a SAG-AFTRA FCU checking account.
Share Secured Loans
| Loan Type | Financing | Amount | Term Up to |
APR*
As Low As
|
Repayment Per $1,000 Borrowed
Based on APR & Term
|
|---|---|---|---|---|---|
| Secured | 100% of Share Bal. | $1,500 - $10,000 | 24 Months | 3.50% |
$43.21
|
| Secured | 100% of Share Bal. | $1,500 - $10,000 | 48 Months | 4.00% |
$22.59
|
| Secured | 100% of Share Bal. | $1,500 - $10,000 | 72 Months | 5.00% |
$16.11
|
*APR means Annual Percentage Rate.
Certificate Secured Loans
| Loan Type | Financing | Amount | Term Up to | APR* As Low As | Repayment Per $1,000 Borrowed Based on APR & Term |
|---|---|---|---|---|---|
| Secured | Borrow up to 90% of your Certificate Balance for 2 Years or Less | $1,500 - $10,000 | Varies | 3.00% Above Certificate Dividend Rate | Varies |
| Secured | Borrow up to 90% of your Certificate Balance for 2 Years or Less | $1,500 - $10,000 | Varies | 3.00% Above Certificate Dividend Rate | Varies |
*APR means Annual Percentage Rate.
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment.
| SAVINGS Accounts Terms & Balances | Primary Share Savings Regular | Additional Regular Share Savings | IRA Share Savings | Coogan Share Savings | Young Performer Share Savings |
|---|---|---|---|---|---|
| Minimum Deposit to Open Account | $25 | None | $25 | $25 | $25 |
| Minimum Balance to Maintain the Account or Avoid Low Balance Fee | $250 | None | None | None | None |
| Minimum Balance to Earn Dividends | $250 | $250 | $25 | $25 | $25 |
| Balance Tiers to Earn Dividends: | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield |
| $25.00 - $9,999.99 | 0.300% | 0.300% | 0.300% | ||
| $250.00 - $9,999.99 | 0.300% | 0.300% | 0.300% | 0.300% | 0.300% |
| $10,000.00 - $24,999.99 | 0.300% | 0.300% | 0.300% | 0.300% | 0.300% |
| $25,000.00 - $49,999.99 | 0.300% | 0.300% | 0.300% | 0.300% | 0.300% |
| $50,000.00 - $99,999.99 | 0.650% | 0.650% | 0.650% | 0.650% | 0.650% |
| $100,000.00 and Over | 0.700% | 0.700% | 0.700% | 0.700% | 0.700% |
| CERTIFICATE Accounts | Minimum Deposit and Balance $1,000** | Minimum Deposit and Balance $10,000** | Minimum Deposit and Balance $25,000** | Minimum Deposit and Balance $50,000** |
|---|---|---|---|---|
| CERTIFICATE Term: | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield |
| 6 Months | 2.900% | 3.000% | 3.050% | 3.100% |
| 12 Months | 3.000% | 3.100% | 3.150% | 3.200% |
| 24 Months | 3.100% | 3.200% | 3.250% | 3.300% |
| 36 Months | 3.200% | 3.300% | 3.350% | 3.400% |
| 48 Months | 3.300% | 3.400% | 3.450% | 3.500% |
| 60 Months | 3.400% | 3.500% | 3.550% | 3.600% |
| CHECKING Accounts Terms & Balances | Performance Checking Account | eChecking Account | Senior Checking Account | Health Savings Account (HSA) |
|---|---|---|---|---|
| Minimum Deposit to Open Account | $25 | $25 | $25 | $25 |
| Minimum Balance to Maintain Account | None | None | None | None |
| Monthly Service Charge | $7.95 | $0.00* | $0.00* | None |
| Minimum Average Balance to Avoid Service Charge | $1,000.00** | $0.00* | $0.00* | None |
| Minimum Average Balance to Earn Dividends | $1,000 | N/A | N/A | No Minimum |
| Balance Tiers to Earn Dividends: | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield | Annual Percentage Yield |
| $ 0.01 and Over | 0.010% | |||
| $1,000.00 and Over | 0.010% | N/A | N/A |
| MONEY MARKET Account Terms & Balances | Money Market Savings Account | |
|---|---|---|
| Minimum Deposit to Open Account | $2,500 | |
| Minimum Balance to Maintain Account or Avoid Fee | $2,500 | |
| Minimum Balance to Earn Dividends | No Minimum | |
| Balance Tiers to Earn Dividends: | Annual Percentage Yield | |
| $ 0.01 - $2,499.99 | 0.300% | |
| $2,500 - $24,999.99 | 1.000% | |
| $25,000.00 - $49,999.99 | 1.050% | |
| $50,000.00 - $74,999.99 | 1.300% | |
| $75,000.00 - $99,999.99 | 1.400% | |
| $100,000.00 and Over | 1.500% |