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

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

 

 

 

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

 

 

 

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

 

 

 

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 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

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%