Rates

Loan Rates

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Mortgage Rates

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Rates are based on terms and the applicants credit history with Secured Advantage Federal Credit Union and all other creditors

APR = Annual Percentage Rate

Dividend Rates

Deposit Account Account Minimum Balance Dividend Rate APY Dividend Compounding
Regular Shares* $5.00 .15% .15% Monthly
Share Drafts See Note .05% .05% Monthly
Special Shares $5.00 .15% .15% Monthly
Money Market** $2,500.00 .20% .20% Weekly
Christmas Club $5.00 .40% .40% Monthly
Regular Share IRA $10.00 .15% .15% Monthly
Regular Share Roth IRA $10.00 .15% .15% Monthly
IRA and Roth IRA Money Market** $2,500.00 .20% .20% Weekly

* A $5.00 minimum balance is required.
** If the Money Market Balance falls below the $2,500 minimum, dividends are paid at the regular share rate
The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.

There is no minimum amount required to open a share draft account, and there is no minimum amount required to maintain the account.

Share Accounts Truth-in-Savings Disclosure

APY = Annual Percentage Yield

Certificate Term Account Minimum Balance Dividend Rate APY
60 Days $500.00 .25% .25%
91 Days $500.00 .25% .25%
6 Months $500.00 .35% .35%
12 Months $500.00 .449% .45%
18 Months $500.00 .549% .55%
24 Month $500.00 .648% .65%
30 Months $500.00 .748% .75%
36 Months $500.00 .847% .85%
48 Months $500.00 .896% .90%
60 Months $500.00 .946% .95%

Jumbo Certificate rates offered, call a Member Service Representative for the most recent rates available.

The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.  After your certificate  is opened, the dividend rate is fixed for the term.  There is a substantial penalty for early withdrawal of certificate funds.

Share Certificate Accounts Truth-in-Savings Disclosures

APY = Annual Percentage Yield

Certificate Term Account Minimum Balance Dividend Rate APY
6 Months $500.00 .35% .35%
12 Months $500.00 .449% .45%
18 Months $500.00 .549% .55%
24 Months $500.00 .648% .65%
30 Months $500.00 .748% .75%
36 Months $500.00 .847% .85%
48 Months $500.00 .896% .90%
60 Months $500.00 .946% .95%

The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.  After your certificate is opened, the dividend rate is fixed for the term.  There is a substantial penalty for early withdrawal of certificate funds. There may be an additional IRA penalty for early withdrawal of IRA funds.

Share Certificate Accounts Truth-in-Savings Disclosures

APY = Annual Percentage Yield

Fee Schedule

The following fees and/or transaction limits may be applied to your account in accordance with our policy and procedures.

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