ProductsNew Auto/Boat1,2 APR*Used Auto/Boat1 APR*
up to 36 mos. APR as low as 1.24%-18.00%NA
up to 48 mos. 1.99%-18.00%2.49%-18.00%
49 to 72 mos. 2.25%-18.00%2.99%-18.00%
73 to 84 mos.($25,000)4.99%-18.00%5.49%-18.00%

Date effective as of January 1, 2017

*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).

  1. Loan Payments = based on term and APR. (Ex. 60 monthly payments of $18.80 per $1,000 borrowed at a rate of 3.99%).
  2. Promotional rate of 1.24% for A-tier only. Up to 36 months.

 

Products6 months APY*12 months APY*24 months APY*
Certificate1
(Minimum Balances of $500)
0.75%1.10%1.26%
Jumbo Certificate1
(Balances of $100,000 & up)
0.75%1.10%1.26%
IRA Certificate1
(Minimum Balances of $500)
NA1.10%1.26%
Products36 months APY*48 months APY*60 months APY*
Certificate1
(Minimum Balances of $500)
1.50%1.76%2.02%
Jumbo Certificate1
(Balances of $100,000 & up)
1.50%1.76%2.02%
IRA Certificate1
(Minimum Balances of $500)
1.50%1.86%2.12%
Products17 months APY*30 months APY*45 months APY*
Bump Up Certificate11.00%1.25%1.51%
Jumbo Bump Up Certificate11.00%1.25%1.51%

Date effective as of January 12, 2017

*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).

  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as follows: Less than 12-month Certificates - You will forfeit the lesser of 30 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 12-Month - 48-Month Certificates - You will forfeit the lesser of 180 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 60-Month Certificates - You will forfeit the lesser of 360 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance.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.

 

ProductsAPR*
Visa Platinum*7.49%-15.49% 
Shared Secured7.49%

Date effective as of January 1, 2017

*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).

 

60 Day Lock Period

Conforming Fixed to $424,1000 Point1 Point
30 Year4.250%3.750%
20 Year4.125%3.625%
15 Year3.375%2.875%
Conforming ARMs to $424,1000 Point1 Point
3/1 ARM2.875%NA
5/1 ARM3.000%NA
5/5 ARM3.125%2.625%
Super Conforming Fixed to $424,101-$729,750*0 Points1 Point
30 Year4.500%4.000%
15 Year3.625%3.125%
5/1 ARM4.000%NA
5/5 ARM3.250%2.750%
JUMBO FRM0 Points1 Point
30 Year 4.625%4.125%
15 Year3.750%3.250%
JUMBO ARMS 0 Points1 Point
3/6 ARM4.250%3.750%
5/6 ARM4.125%3.625%

Rates as of: January 19, 2017

Rates are posted before any price adjustments. Rates quoted are approx. points charged and based on an 80% LTV with a credit of 740 or higher. Rates are based on 1st Lien Purchase and Rate/Term Refinance transactions.

* Based on geographic location.

General Disclosures Adjustable Rate Mortgages (ARMs) The interest rate for the 3/1 ARM is in effect for the first 36 months, respectively. After 36 months the APR is subject to change. After the initial fixed rate-period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your payment. Since the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus the margin (fully indexed rate) at time of disclosure. Information displayed is accurate as of the date of the latest update and is subject to change without notice. Rates are valid up to 11:59pm est.

Due to various federal, state and local requirements, certain products may not be available in all areas.

The monthly payment amount displayed includes principal and interest only. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment.

The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, but does not include other closing costs or discount points.

The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Good Faith Estimate of Closing Costs (GFE) that you will receive once you apply for a loan. This is not a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs.

Conventional Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate (APR).

These mortgage rates are based on a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan’s interest rate will depend upon specific characteristics of your loan transaction and your credit profile up to the time of closing.

Mortgage interest rate shown is based on a sixty (60) day lock period. Under certain circumstances, a sixty (60) day rate lock may not be available.

Adjustable Rate Mortgages (ARMs)

Interest rates and Annual Percentage Rates (APR) are adjustable rates and may increase after consummation.

The interest rate for the 3/1 ARM is in effect for the first 36 months, respectively. After 36 months the APR is subject to change.

After the initial fixed rate-period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your payment.

Since the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus the margin (fully indexed rate) at time of disclosure.

 

Personal LoansAPR*
Up to 24 Mos *5.99%-12.33% 
25 to 60 Mos6.99%-15.34%
Moneyline Line-of-CreditAPR*
All11.75%-16.75% 
Share Secured Loan APR*
All3.10% 

Date effective as of January 1, 2017

*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).

 

Checking RatesAPY*
Advantage Checking**0.40% 
Privilege Checking***0.45%
Savings RatesAPY*
Regular Savings0.10% 
IRA Share0.50%
Custom Savings0.10%

Date effective as of January 1, 2017

*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. Dividend 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. Dividend calculated daily. Minimum $200 Direct Deposit monthly. Must be signed up for online banking and eStatements.

 

Products5 Year APR*7 Year APR*10 Year APR*15 and 20 Year APR*
Home Equity Single Advance
(Owner Occupied)1
4.29%-5.54%4.54%-5.79%5.29%-6.54%5.54%-6.79%
Products5 Year APR*7 Year APR*10 Year APR*15 Year APR*
Home Equity Single Advance
(Investment Property)3
6.50%-8.50%6.75%-8.75%7.50%-9.50%7.75%-9.75%
Products5 Year APR*7 Year APR*10 Year APR*
Home Equity 125% LTV
(Owner Occupied)2
6.84%-6.84%6.84%-6.84%6.84%-6.84%
ProductsUp to 95% LTV APR*
Home Equity Line-of-Credit
(HELOC)4
3.99%-4.75%

Date effective as of January 17, 2017

*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).

  1. Owner Occupied up to a 90% LTV with a maximum term of 20 years. $5,000 minimum loan amount, $500,000 maximum loan amount.
  2. Owner Occupied up to 125% LTV with a maximum term of 10 years. $5,000 minimum loan amount, $100,000 maximum loan amount.
  3. Investment Properties up to 70% LTV with a maximum term of 15 years, $5,000 minimum loan amount, $50,000 maximum loan amount.
  4. 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.

 

PrimeAPY*
$2,000 - $9,999.990.30% 
$10,000 - $24,999.990.30%
$25,000 & up0.30%
PremiereAPY*
$25,000 - $49,999.990.40% 
$50,000 - $99,999.990.50%
$100,000 & up0.55%

Date effective as of January 1, 2017

*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).

 

The SDFCU Rate Committee is comprised of a team of financial professionals that meets monthly to determine interest rates that provide good value to our members while assuring the Credit Union's safety and soundness. The Board of Directors reviews the Committee's recommendations with these same goals in mind.


When setting share rates we:

  • Assess the current U.S. economy and the overall rate environment, as determined by the US Federal Reserve Bank.
  • Offer rates that are very competitive with other financial institutions so that we will always be our members' first choice.
  • Protect our members' shares of ownership in SDFCU by ensuring the Credit Union provides exceptional value.

When determining loan rates, we follow the same steps illustrated above and also consider:

  • The type, collateral, amount, and terms of the loan.
  • Credit history and associated risk (a higher credit score can equal lower interest rate).

  • For more information, please contact one of our Member Service Experts at sdfcu@sdfcu.org or by calling 703.706.5000 or 800.296.8882.