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.
Boomer Club
Current Rates
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
|---|---|---|---|
| $1.00 | 0.05% | 0.05% | $25.00 |
Fees
| Item | SEFCU Fee | New York State Bank/Credit Union average fee^ (as of July 2018) |
|---|---|---|
|
Maintenance |
$3/month |
$4.74 |
View Boomer Club details
Holiday Club
Current Rates
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
|---|---|---|---|
| $0.00 | 0.05% | 0.05% | $1.00 |
HSA Checking
Current Rates
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* |
|---|---|---|
| No Minimum | 0.00% | 0.00% |
Consolidated Student Loan
Current Rates
| Sub-Account Description | Approximate Repayment Term | Percent Above Index | APR* as low as |
|---|---|---|---|
| Variable-rate Student Loan | 180 months | 1.25% | 4.50% |
Owner’s Choice
Current Rates
| Minimum Opening Deposit | Average Daily Balance to Obtain APY | Dividend Rate | Annual Percentage Yield** |
|---|---|---|---|
| $0.00 | $25.00 | 0.05% | 0.05% |
Personal Loans
Personal Loans
| Approximate Repayment Term | APR* as low as |
|---|---|
| 12 months | 3.74% |
| 18 months | 3.99% |
| 24 months | 4.24% |
| 36 months | 4.49% |
| 48 months | 4.74% |
| 60 months | 4.99% |
Personal Line of Credit
Current Rates
| Present APR** as Low as |
|---|
| 8.75% |
Private Student Loan
Current Rates
| 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 | 3.00% | 6.250% |
Campus Connect Program
Current Rates
| Sub-Account Description | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield*** |
|---|---|---|---|
| Savings | $1.00 | 0.05% | 0.05% |
| Checking | $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 Campus Connect Program 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 Really Free Checking 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 | 0.05% | 0.05% | $1.00 |
| Preferred Savings $2,500.00 - $9,999.99 | 0.10% | 0.10% | $2,500.00 |
| Preferred Savings $10,000.00 - $24,999.99 | 0.10% | 0.10% | $10,000.00 |
| Preferred Savings $25,000 –$49,999 | 0.15% | 0.15% | $25,000.00 |
| Preferred Savings $50,000.00 and above | 0.20% | 0.20% | $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 Preferred Savings details
Mint Savings
Current Rates
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
|---|---|---|---|
| $1.00 | 0.05% | 0.05% | $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 Mint Savings 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 | 0.05% | 0.05% | N/A |
| Preferred Plus Savings $2,500.00 - $9,999.99 | 0.10% | 0.10% | $2,500.00 |
| Preferred Plus Savings $10,000 - 24,999.99 | 0.10% | 0.10% | $10,000.00 |
| Preferred Plus Savings $25,000 - $49,999.99 | 0.15% | 0.15% | $25,000.00 |
| Preferred Plus Savings $50,000 - $99,999.99 | 0.20% | 0.20% | $50,000.00 |
| Preferred Plus Savings $100,000–$249,999 | 0.25% | 0.25% | $100,000.00 |
| Preferred Plus Savings $250,000–$499,999 | 0.35% | 0.35% | $250,000.00 |
| Preferred Plus Savings $500,000–$999,999 | 0.35% | 0.35% | $500,000.00 |
| Preferred Plus Savings $1,000,000+ | 0.35% | 0.35% | $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 Preferred Plus Savings 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 |
|
ATM Inquiry Fee (SEFCU ATMs and Allpoint® ATMs) |
$0 |
N/A |
|
ATM inquiry fee (Non-SEFCU ATMs) |
$0.50♦ |
$1.46 |
|
ATM Foreign Transaction Fee (Non-SEFCU ATM withdrawal, includes POB transaction, except for Allpoint® ATMs) |
$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 |
|
Currency Conv. Fee Non-U.S. Funds |
1% of transaction |
N/A |
View SEFCU Debit Mastercard details
Share Secured Loans
Current Rates
| Index | Percent Above Index | Current APR | |
|---|---|---|---|
| Primary Share Secured* | Current Primary Share dividend rate | 0.70% | 0.75% |
| Certificate Share Secured** | Your current Certificate Dividend rate | 0.70% | Rate depends on your current Certificate dividend rate |
Smart Sense Share Certificate
Fixed Rates
| Term | Dividend Rate | Annual Percentage Yield** |
|---|---|---|
| 18 months | 0.45% | 0.45% |
| 24 months | 0.60% | 0.60% |
| 36 months | 0.60% | 0.60% |