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

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

 

 

 

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

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

 

 

 

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

 

 

 

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

 

 

 

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%