Resources and Rates

Most people don't exactly love researching rates or using a calculator... But, finding the best situation for you is important. Here is everything in one place to help figure that out.

Briefcase

UTMA

Fee-free savings account

Minimum Opening Deposit Dividend Rate Annual Percentage Yield** Minimum Balance to Obtain APY
$1.00 0.10% 0.10% $25.00

Auto Advantage

Auto Advantage

Approximate Repayment Term APR* as low as
24 Months 2.74%
36 Months 2.74%
48 Months 2.74%
60 Months 2.74%
72 Months 2.99%

Boomer Club

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$1.00 0.10% 0.10% $25.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Maintenance

$3/month

$4.74

View complete details

 

 

 

Credit Builder Credit Card

Current Rates

APR for purchases and balance transfers APR for cash advances
6.25%** 8.25%**

Fees

Item Fees
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
View complete details

 

 

 

Holiday Club

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$0.00 0.10% 0.10% $1.00

Traditional IRA

Tiered Dividends

Average Monthly Tier Balances Minimum Opening Deposit Minimum Balance to Obtain APY Dividend Rate Annual Percentage Yield*
Traditional IRA $0 –$2,499.99 N/A $1.00 0.10% 0.10%
Traditional IRA $2,500 –$9,999.99 N/A $2,500.00 0.15% 0.15%
Traditional IRA $10,000 –$24,999.99 N/A $10,000.00 0.15% 0.15%
Traditional IRA $25,000 –$49,999.99 N/A $25,000.00 0.20% 0.20%
Traditional IRA $50,000 & over N/A $50,000.00 0.25% 0.25%

Fees

Item SEFCU Fee

IRA Close Plan Fee

$15

IRA Transfer Fee

$15

View complete details

 

 

 

New Car Model '19-'21

New Car Loan ’19 – ’21

Approximate Repayment Term APR** as low as
24 months 1.99%
36 months 1.99%
48 months 1.99%
60 months 1.99%
72 months 2.24%
84 months 3.69%

Personal Loans

Personal Loans

Approximate Repayment Term APR* as low as
12 months 5.74%
18 months 5.74%
24 months 5.74%
36 months 5.99%
48 months 5.99%
60 months 5.99%

Private Student Loan

Current Rates

Approximate Repayment Term Percent Above Index APR as low as
180 months N/A 9.000%
180 months 3.00% 6.250%

Campus Connect Program

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield***
$1.00 0.10% 0.10%
$0.00 0.00% 0.00%

Additional Service Fees

Item Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Certified Personal Check

$5

$9.98

Check Protest Fee

$15

N/A

Copy of Canceled Check

$5

$3.69

Counter Checks (4 per page)

$2 ($0.50/per)

$1.72/per

Original Canceled Check

$5

N/A

Returned Checks - Deposited

$10

N/A

Overdraft Transfer from Savings

$2.50

$8.59

Returned Checks - NSF (Non-Sufficient Funds)

$28

$33.50

Return NSF from POS/Check Card

$28

$33.41

Stop Payment done through SEFCU Online

$10

N/A

Stop Payment on Counter Check

$20

$29.77

Stop Payment on Personal Check

$20

$29.77

Stop Payment on Teller (Official) Check

$20

$29.77

Monthly Charge

No fee

$7.60

View complete details

 

 

 

Mortgage Rates

Mortgage Rates

SEFCU Mortgage Services offers mortgage solutions for a variety of situations:

  • Purchase
  • Refinance
  • New Construction - End Loan
  • Reverse Mortgage
  • To learn more about these programs and many others, call us at 800-444-6313.
  • To view SEFCU Mortgage Services rates and to get pre-qualified, click the link below.
     View rates and details

 

 

 

 

 

 

 

Really Free Checking

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield***
Free Checking - No Minimum 0.00% 0.00%

Additional Service Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Certified Personal Check

$5

$10.46

Check Protest Fee

$15

N/A

Copy of Canceled Check

$5

$3.12

Counter Checks (4 per page)

$2 ($0.50/per)

$1.56/per

Original Canceled Check

$5

N/A

Returned Checks - Deposited

$10

N/A

Overdraft Transfer from Savings

$2.50

$7.48

Returned Checks - NSF (Non-Sufficient Funds)

$28

$33.54

Return NSF from POS/Check Card

$28

$33.18

Stop Payment done through SEFCU Online

$10

N/A-

Stop Payment on Counter Check

$20

$30.64

Stop Payment on Personal Check

$20

$30.64

Stop Payment on Teller (Official) Check

$20

$30.64

Monthly Charge

No fee

$6.46

View complete details

 

 

 

Roth IRA

Tiered Dividends

Average Monthly Tier Balances Minimum Opening Deposit Minimum Balance to Obtain APY Dividend Rate Annual Percentage Yield*
Roth IRA $0 –$2,499.99 N/A $1.00 0.10% 0.10%
Roth IRA $2,500 –$9,999.99 N/A $2,500.00 0.15% 0.15%
Roth IRA $10,000 –$24,999.99 N/A $10,000.00 0.15% 0.15%
Roth IRA $25,000 –$49,999.99 N/A $25,000.00 0.20% 0.20%
Roth IRA $50,000 & over N/A $50,000.00 0.25% 0.25%

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee**
(as of July 2018)

IRA Close Plan Fee

$15

 

IRA Transfer Fee

$15

$35.05

Distribution from Contribution

Non-taxable, no IRS penalties

 

Distribution from Earnings:

• Roth IRA is less than 5 years old

• Withdrawals used for higher education

Taxable, no IRS penalties

 

Distribution from Earnings:

• Roth IRA is less than 5 years old

• Withdrawals not used for higher education

Taxable, may have IRS penalty

 

Distribution from Earnings

• Roth IRA is at least 5 years old

• Owner will be at least 59½ years old during the current tax year

No tax liability, no IRS penalty

 

Distribution from Earnings

• Roth IRA is at least 5 years old

• Owner won’t be at least 59½ years old during the current tax year

• Withdrawals are used to pay for qualified higher education expenses, certain medical expenses or for a “First-Time” home purchase

 

“First-Time” home purchase means:

• The home must be purchased by a grandparent, parent, spouse, child or grandchild of the IRA owner, or by the IRA owner

• The home purchaser may not have had his or her name on a mortgage deed in the last 3 years

• There is a lifetime limit of $10,000 which can be distributed from the Roth IRA for this purpose

No tax liability, no IRS penalty

 

View complete details

 

 

 

New Boat & RV Model '16-'20

New Boat & RV ’17 – ’21

Approximate Repayment Term APR* as low as
24 months 3.10%
36 months 3.35%
48 months 3.60%
60 months 3.85%
72 months 4.35%
73-120 months 4.95%
121-180 months 5.59%

Preferred Savings

Current Rates

Average Daily Tier Balances Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
Preferred Savings $0 - $2,499.99 0.10% 0.10% $1.00
Preferred Savings $2,500.00 - $9,999.99 0.15% 0.15% $2,500.00
Preferred Savings $10,000.00 - $24,999.99 0.15% 0.15% $10,000.00
Preferred Savings $25,000 –$49,999 0.20% 0.20% $25,000.00
Preferred Savings $50,000.00 and above 0.25% 0.25% $50,000.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee***
(as of July 2018)
Overdraft Transfer from Savings $2.50 $8.74
View complete details

 

 

 

Preferred Plus Savings

Current Rates

Average Daily Tier Balances Dividend Rate Annual Percentage Yield** Minimum Balance to Obtain APY
Preferred Plus Savings $0 –$2,499.99 0.10% 0.10% N/A
Preferred Plus Savings $2,500.00 - $9,999.99 0.15% 0.15% $2,500.00
Preferred Plus Savings $10,000 - 24,999.99 0.15% 0.15% $10,000.00
Preferred Plus Savings $25,000 - $49,999.99 0.20% 0.20% $25,000.00
Preferred Plus Savings $50,000 - $99,999.99 0.25% 0.25% $50,000.00
Preferred Plus Savings $100,000–$249,999 0.35% 0.35% $100,000.00
Preferred Plus Savings $250,000–$499,999 0.45% 0.45% $250,000.00
Preferred Plus Savings $500,000–$999,999 0.45% 0.45% $500,000.00
Preferred Plus Savings $1,000,000+ 0.45% 0.45% $1,000,000.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Overdraft Transfer

No fee

$8.74

Teller Check

No fee

$6.14

Money Order

No fee

$3.38

Below minimum average daily balance *

$15

N/A

View complete details

 

 

 

Mint Savings

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$1.00 0.10% 0.10% $25.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Overdraft Transfer from Savings

$2.50

$8.74

No activity for 12 months (activity can be as simple as depositing $1/month)

$3/month

$6.86/month

View complete details

 

 

 

School Banking Program

Fee-free savings account

Minimum Opening Deposit (SEFCU makes the first deposit) Dividend Rate Annual Percentage Yield* Average Daily Balance to Obtain APY
$1.00 0.25% 0.25% $25.00

SEFCU Debit Mastercard

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee***
(as of July 2018)

Card Capture

$10

N/A

Deposit Correction

$7.50

N/A

Deposit of Empty Envelope

$15

N/A

Non-sufficient Funds (NSF)

$28

$33.02

Non-SEFCU ATM Balance Inquiry

$0.50

$1.46

Non-SEFCU ATM Withdrawal (includes POB Transactions)

$1.25

$2.26

Non-SEFCU ATM Withdrawal Attempt with NSF

$0.30

N/A

POS Transaction – NSF

$28

N/A

Replacement Card

$5

$7.29

Rush Replacement Card

$36

N/A

Withdrawals/Purchases Outside the U.S.

1% of transaction

N/A

View complete details

 

 

 

SEFCU Lightning Credit Card®

Current Rates

APR For Purchases and Balance Transfers APR for Cash Advances
As low as 11.24%*** As low as 13.24%***

Fees

Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
View complete details

 

 

 

SEFCU World™ Business Mastercard®

Current Rates

APR for purchases and balance transfers APR FOR CASH ADVANCES
As low as 12.75% As low as 15.75%

Fees

Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
View complete details

 

 

 

SEFCU Business Mastercard®

Current Rates

APR for purchases and balance transfers APR FOR CASH ADVANCES
As low as 11.75% As low as 13.75%

Fees

Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
View complete details

 

 

 

SEFCU Mastercard®

Current Rates

APR for Purchases and Balance Transfers APR for Cash Advances
As low as 8.24%*** As low as 10.24%***

Fees

Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25
View complete details

 

 

 

SEFCU World™ Mastercard®

Current Rates

APR For Purchases and Balance Transfers APR for Cash Advances
As low as 9.24%*** As low as 11.24%***

Fees

Item SEFCU Fee

Annual Fee

No fee

Balance Transfer Fee

No fee

Cash Advance Fee

No fee

Foreign Transaction Fee

No fee

Late Payment Fee

Up to $25.00

Returned Payment Fee

Up to $25.00

View complete details

 

 

 

Smart Sense Savings

Fee-free savings account

Minimum Opening Deposit (SEFCU makes the first deposit) Dividend Rate Annual Percentage Yield* Average Daily Balance to Obtain APY
$1.00 0.10% 0.10% $25.00

Traditional & Roth IRA Share Certificates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
6 months 0.15% 0.15%
10 months 0.15% 0.15%
12 months 0.50% 0.50%
15 months 0.50% 0.50%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
24-month add-on 0.60% 0.60%
36 months 0.60% 0.60%
48 months 0.75% 0.75%
60 months 0.75% 0.75%

Fees

Item IRS penalty SEFCU penalty New York State Bank/Credit Union average fee***
(as of July 2018)

Early withdrawal

Additional IRS penalties may apply

Penalty for breaking the certificate, based on amount withdrawn and the original term length; exceptions are made for withdrawals intended to cover a required minimum distribution

$28.93 – $32.22

Early redemption

Additional IRS penalties may apply

Distributions are usually subject to a SEFCU penalty; exceptions are made in the case of the member having died

 

View complete details

 

 

 

Coverdell Education Share Certificates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
6 months 0.15% 0.15%
10 months 0.15% 0.15%
12 months 0.50% 0.50%
15 months 0.50% 0.50%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.60% 0.60%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
24-month add-on 0.60% 0.60%

Fixed-Rate Share Certificates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
3 months 0.15% 0.15%
6 months 0.15% 0.15%
9 months 0.15% 0.15%
10 months 0.15% 0.15%
12 months 0.50% 0.50%
15 months 0.50% 0.50%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
30 months 0.60% 0.60%
36 months 0.60% 0.60%
48 months 0.75% 0.75%
60 months 0.75% 0.75%

Share Secured Loans

Current Rates

Percent Above Index Present APR as Low as* Minimum APR
1.50% 1.60% 1.50%
1.50% Rate will vary according to current certificate dividend rate earned. See SEFCU Loan Officer for additional details. 1.50%