Current Rates

Savings Rates

SAVINGS & CHECKING


APY*
Regular Savings .10%
IRA Share .50%
Custom Savings .10%
Advantage Checking** .35%
Privilege Checking*** .45%

MONEY MANAGEMENT

Prime

APY*
$2,000 - $9,999.99 .35%
$10,000 - $24,999.99 .35%
$25,000 & up .35%

MONEY MANAGEMENT

Premiere

APY*
$25,000 - $49,999.99 .40%
$50,000 - $99,999.99 .45%
$100,000 & up .50%

CERTIFICATES1

Minimum Balances of $500

APY*
6-Month .45%
12-Month .80%
24-Month 1.05%
36-Month 1.41%
48-Month 1.71%
60-Month 2.02%

JUMBO CERTIFICATES 1

Balances of $100,000 & up

APY*
6-Month 0.45%
12-Month 0.80%
24-Month 1.05%
36-Month 1.41%
48-Month 1.71%
60-Month 2.02%

BUMP UP CERTIFICATES1

Minimum Balances of $500

APY*
17-Month 0.80%
30-Month 1.15%
45-Month 1.46%

JUMBO BUMP UP CERTIFICATES1

Balances of $100,000 & up

APY*
17-Month 0.80%
30-Month 1.15%
45-Month 1.46%

IRA CERTIFICATES1

Minimum Balances of $500

APY*
12-Month 0.80%
24-Month 1.05%
36-Month 1.41%
48-Month 1.81%
60-Month 2.12%

Borrowing Rates

NEW AUTO/BOAT2,7

APR*
Promo Rate A Tier Up to 36 Mos 1.24%-1.24%
Up to 48 Mos 1.99%-7.23%
49 to 72 Mos 2.49%-7.73%
73 to 96 Mos ($25,000 Min) 4.99%-5.74%

USED AUTO/BOAT2

APR*
Up to 48 Mos 2.49%-7.73%
49 to 72 Mos 2.99%-8.23%
73 to 96 Mos ($25,000 Min) 5.49%-6.24%

PERSONAL LOAN

APR*
Up to 24 Mos 5.99%-12.33%
25 to 60 Mos 6.65%-15.00%

MONEYLINE LINE-OF-CREDIT

APR*
All 11.75%-16.75%

SHARE SECURED LOAN

APR*
All 3.10%

CREDIT CARD

APR*
Visa Platinum* 6.99%-14.99%
Shared Secured 6.99%

HOME EQUITY SINGLE ADVANCE (OWNER OCCUPIED)3

APR*
5 Year 4.24%-5.49%
7 Year 4.49%-5.74%
10 Year 5.24%-6.49%
15 and 20 Year 5.49%-6.74%

HOME EQUITY SINGLE ADVANCE (INVESTMENT PROPERTY)5

APR*
5 Year 6.50%-8.50%
7 Year 6.75%-8.75%
10 Year 7.50%-9.50%
15 Year 7.75%-9.75%

HOME EQUITY 125% LTV (OWNER OCCUPIED)4

APR*
5 Years 5.99%-6.99%
7 Years 5.99%-6.99%
10 Years 5.99%-6.99%

HOME EQUITY LINE-OF-CREDIT (HELOC)6

APR*
Up to 95% LTV 3.99%-4.25%

Rates are effective: 4-1-2014 through 4-30-2014.

*Annual Percentage Rate (APR) based on evaluation of applicant's credit. Your actual APR will be within the stated range and will be disclosed at the time of disbursement. Unless otherwise stated rates subject to change monthly. Annual Percentage Yield (APY).

**Advantage Checking. $2,000 Minimum checking account balance. Personal Accounts Only. Interest calculated daily. Minimum $200 Direct Deposit monthly. Ten posted Debit Card transactions by close of business on last day of the month. Must be signed up for online banking and eStatements.

***Privilege Checking. $25,000 Minimum checking account balance. Personal Accounts Only. Interest calculated daily. Minimum $200 Direct Deposit monthly. Must be signed up for online banking and eStatements.

****Bump-Up CD's. 1-time bump-up during term. Can add new money at time of bump-up. Except for Jumbo Bump-Ups, minimum opening bal. of $500.

1. In the case of early withdrawals of the principal amount or any portion thereof, a penalty will be imposed. SDFCU reserves the right to require 24 hours written notice of your intent to withdraw. Penalties are assessed at the time of withdrawal and are calculated as follows: Less than 12-month Certificates - You will forfeit the lesser of 30 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 12-Month - 48-Month Certificates - You will forfeit the lesser of 180 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 60-Month Certificates - You will forfeit the lesser of 360 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. No penalty will be imposed if the withdrawal is a result of voluntary or involuntary liquidation of the Credit Union or upon death of the member.
2. Loan Payments = based on term and APR. (Ex. 60 monthly payments of $18.80 per $1,000 borrowed at a rate of 3.99%).
3. Owner Occupied up to a 90% LTV with a maximum term of 20 years. $5,000 minimum loan amount, $500,000 maximum loan amount.
4. Owner Occupied up to 125% LTV with a maximum term of 10 years. $5,000 minimum loan amount, $100,000 maximum loan amount.
5. Investment Properties up to 70% LTV with a maximum term of 15 years, $5,000 minimum loan amount, $50,000 maximum loan amount.
6. Owner Occupied up to a 95% LTV with a minimum loan amount of $5,000 and a maximum loan amount of $300,000. The minimum monthly payment will equal 1.0% of the principal balance outstanding or $100.00 whichever is greater.
7. Promotional rate of 1.24% for A-tier only. Up to 36 months.