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.

Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield** | Minimum Balance to Obtain APY |
---|---|---|---|
$1.00 | 0.25% | 0.25% | $25.00 |
Approximate Repayment Term | APR* as low as |
---|---|
24 Months | 2.69% |
36 Months | 2.94% |
48 Months | 2.94% |
60 Months | 2.94% |
72 Months | 3.19% |
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
---|---|---|---|
$1.00 | 0.25% | 0.25% | $25.00 |
Item | SEFCU Fee | New York State Bank/Credit Union average fee^ (as of July 2018) |
---|---|---|
Maintenance |
$3/month |
$4.74 |
View complete details
APR For Purchases & Balance Transfers | APR for Cash Advances |
---|---|
As low as 8.25%*** | As low as 10.25%*** |
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
Term | Dividend Rate | Annual Percentage Yield** |
---|---|---|
6 months | 0.90% | 0.90% |
10 months | 0.90% | 0.90% |
12 months | 1.75% | 1.76% |
15 months | 0.90% | 0.90% |
18 months | 1.95% | 1.97% |
24 months | 1.75% | 1.76% |
36 months | 1.95% | 1.97% |
48 months | 1.95% | 1.97% |
60 months | 1.95% | 1.97% |
24-month add-on | 1.75% | 1.76% |
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
---|---|---|---|
$0.00 | 0.25% | 0.25% | $1.00 |
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* |
---|---|---|
No Minimum | 0.00% | 0.00% |
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 | 0.25% | 0.25% |
Traditional IRA $2,500 –$9,999.99 | N/A | $2,500.00 | 0.40% | 0.40% |
Traditional IRA $10,000 –$24,999.99 | N/A | $10,000.00 | 0.50% | 0.50% |
Traditional IRA $25,000 –$49,999.99 | N/A | $25,000.00 | 0.65% | 0.65% |
Traditional IRA $50,000 & over | N/A | $50,000.00 | 0.80% | 0.80% |
Sub-Account Description | Approximate Repayment Term | Percent Above Index | APR* as low as |
---|---|---|---|
Variable-rate Student Loan | 180 months | 4.00% | 6.00% |
Approximate Repayment Term | APR As Low As* |
---|---|
36 months | 2.44% |
48 months | 2.44% |
60 months | 2.54% |
Approximate Repayment Term | APR as Low as** |
---|---|
36 Months | 6.69% |
48 Months | 6.69% |
Approximate Repayment Term | APR* as low as |
---|---|
36 months | 6.44% |
48 months | 6.59% |
60 months | 7.14% |
Approximate Repayment Term | APR* as low as |
---|---|
24 months | 1.94% |
36 months | 2.19% |
48 months | 2.19% |
60 months | 2.19% |
72 months | 2.44% |
84 months | 3.19% |
Approximate Repayment Term | APR** as low as |
---|---|
24 months | 1.94% |
36 months | 2.19% |
48 months | 2.19% |
60 months | 2.19% |
72 months | 2.44% |
Approximate Repayment Term | APR* as low as |
---|---|
24 months | 5.84% |
36 months | 5.84% |
48 months | 5.84% |
60 months | 6.04% |
72 months | 7.09% |
Minimum Opening Deposit | Average Daily Balance to Obtain APY | Dividend Rate | Annual Percentage Yield* |
---|---|---|---|
$0.00 | $25.00 | 0.25% | 0.25% |
Approximate Repayment Term | APR* as low as |
---|---|
12 months | 5.24% |
18 months | 5.24% |
24 months | 5.24% |
36 months | 5.49% |
48 months | 5.49% |
60 months | 5.49% |
Loan Sub-Account Description | Percent Above Index | Daily Periodic Rate | Present APR** as Low as |
---|---|---|---|
Rate may vary based on credit worthiness | 5.50% | 0.028082% | 10.25 |
Sub-Account Description | Approximate Repayment Term | Percent Above Index | APR as low as |
---|---|---|---|
Fixed-rate Student Loan* | 180 months | N/A | 9.000% |
Variable-rate student loan** | 180 months | 6.00% | 7.903% |
Sub-Account Description | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield*** |
---|---|---|---|
Savings | $1.00 | 0.30% | 0.30% |
Checking | $0.00 | 0.00% | 0.00% |
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) |
$25 |
$33.50 |
Return NSF from POS/Check Card |
$25 |
$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
Approximate Repayment Term | APR^ as low as |
---|---|
5 years | 3.90% |
10 years | 4.15% |
15 years | 4.40% |
Approximate Repayment Term | APR** as low as |
---|---|
5 years | 2.65% |
10 years | 2.90% |
15 years | 3.15% |
Term | Dividend Rate | Annual Percentage Yield** |
---|---|---|
3 months | 0.90% | 0.90% |
6 months | 0.90% | 0.90% |
9 months | 2.10% | 2.12% |
10 months | 0.90% | 0.90% |
12 months | 1.75% | 1.76% |
15 months | 0.90% | 0.90% |
18 months | 1.95% | 1.97% |
24 months | 1.75% | 1.76% |
30 months | 0.90% | 0.90% |
36 months | 1.95% | 1.97% |
48 months | 1.95% | 1.97% |
60 months | 1.95% | 1.97% |
Term | Standard APR** (as low as) |
---|---|
15 years | 3.15% |
Term | Introductory APR* (as low as) | Standard APR* (as low as) |
---|---|---|
25 Years | 2.75% for first 12 months | Prime minus 0.50% after first 12 months – As of 10/31/19, that equates to 4.25% |
SEFCU Mortgage Services offers mortgage solutions for a variety of situations:
|
View rates and details |
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield*** |
---|---|---|
Free Checking - No Minimum | 0.00% | 0.00% |
Item | SEFCU 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) |
$25 |
$33.50 |
Return NSF from POS/Check Card |
$25 |
$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
Term | Dividend Rate | Annual Percentage Yield** |
---|---|---|
18 months | 1.95% | 1.97% |
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 | 0.25% | 0.25% |
Roth IRA $2,500 –$9,999.99 | N/A | $2,500.00 | 0.40% | 0.40% |
Roth IRA $10,000 –$24,999.99 | N/A | $10,000.00 | 0.50% | 0.50% |
Roth IRA $25,000 –$49,999.99 | N/A | $25,000.00 | 0.65% | 0.65% |
Roth IRA $50,000 & over | N/A | $50,000.00 | 0.80% | 0.80% |
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
Term | Dividend Rate | Annual Percentage Yield** |
---|---|---|
6 months | 0.90% | 0.90% |
10 months | 0.90% | 0.90% |
12 months | 1.75% | 1.76% |
15 months | 0.90% | 0.90% |
18 months | 1.95% | 1.97% |
24 months | 1.75% | 1.76% |
24-month add-on | 1.75% | 1.76% |
36 months | 1.95% | 1.97% |
48 months | 1.95% | 1.97% |
60 months | 1.95% | 1.97% |
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
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% |
Approximate Repayment Term | Present APR* As Low As |
---|---|
36 months | 3.85% |
48 months | 3.85% |
60 months | 4.10% |
61-84 Months | 9.10% |
Approximate Repayment Term | APR** as Low as |
---|---|
36 Months | 7.60% |
48 Months | 7.60% |
60 Months | 9.09% |
84 Months | 9.35% |
Average Daily Tier Balances | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
---|---|---|---|
Preferred Savings $0 - $2,499.99 | 0.25% | 0.25% | $1.00 |
Preferred Savings $2,500.00 - $9,999.99 | 0.40% | 0.40% | $2,500.00 |
Preferred Savings $10,000.00 - $24,999.99 | 0.50% | 0.50% | $10,000.00 |
Preferred Savings $25,000 –$49,999 | 0.65% | 0.65% | $25,000.00 |
Preferred Savings $50,000.00 and above | 0.80% | 0.80% | $50,000.00 |
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
Average Daily Tier Balances | Dividend Rate | Annual Percentage Yield** | Minimum Balance to Obtain APY |
---|---|---|---|
Preferred Plus Savings $0 –$2,499.99 | 0.25% | 0.25% | N/A |
Preferred Plus Savings $2,500.00 - $9,999.99 | 0.40% | 0.40% | $2,500.00 |
Preferred Plus Savings $10,000 - 24,999.99 | 0.50% | 0.50% | $10,000.00 |
Preferred Plus Savings $25,000 - $49,999.99 | 0.65% | 0.65% | $25,000.00 |
Preferred Plus Savings $50,000 - $99,999.99 | 0.80% | 0.80% | $50,000.00 |
Preferred Plus Savings $100,000–$249,999 | 1.20% | 1.21% | $100,000.00 |
Preferred Plus Savings $250,000–$499,999 | 1.30% | 1.31% | $250,000.00 |
Preferred Plus Savings $500,000–$999,999 | 1.45% | 1.46% | $500,000.00 |
Preferred Plus Savings $1,000,000+ | 1.65% | 1.66% | $1,000,000.00 |
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
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
---|---|---|---|
$1.00 | 0.25% | 0.25% | $25.00 |
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 |
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Minimum Opening Deposit (SEFCU makes the first deposit) | Dividend Rate | Annual Percentage Yield* | Average Daily Balance to Obtain APY |
---|---|---|---|
$1.00 | 0.30% | 0.30% | $25.00 |
Sub-Account Description | Percent Above Index | APR as low as | Minimum APR |
---|---|---|---|
Primary Share Secured* | 1.50% | Rate will vary according to current share dividend rate earned. See SEFCU Loan Officer for additional details. | 1.50% |
Certificate Share Secured** | 1.50% | Rate will vary according to current share dividend rate earned. See SEFCU Loan Officer for additional details. | 1.50% |
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) |
$25 |
$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 |
$25 |
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
APR For Purchases & Balance Transfers | APR for Cash Advances |
---|---|
As low as 13.24%*** | As low as 15.24%*** |
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
APR for purchases and balance transfers | APR FOR CASH ADVANCES |
---|---|
As low as 10.25% | As low as12.25% |
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
APR for purchases and balance transfers | APR FOR CASH ADVANCES |
---|---|
As low as 10.25% | As low as12.25% |
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
APR For Purchases & Balance Transfers | APR for Cash Advances |
---|---|
As low as 10.24%*** | As low as 12.24%*** |
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
APR For Purchases & Balance Transfers | APR for Cash Advances |
---|---|
As low as 11.24%*** | As low as 13.24%*** |
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
Term | Dividend Rate | Annual Percentage Yield** |
---|---|---|
18 months | 1.95% | 1.97% |
24 months | 1.75% | 1.76% |
36 months | 1.95% | 1.97% |
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 |