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

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%

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

 

 

 

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%

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

 

 

 

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%

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