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 | 0.10% | 0.10% | $25.00 |
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
---|---|---|---|
$1.00 | 0.10% | 0.10% | $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
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
---|---|---|---|
$0.00 | 0.10% | 0.10% | $1.00 |
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* |
---|---|---|
No Minimum | 0.00% | 0.00% |
Sub-Account Description | Approximate Repayment Term | Percent Above Index | APR* as low as |
---|---|---|---|
Variable-rate Student Loan | 180 months | 1.25% | 4.50% |
Minimum Opening Deposit | Average Daily Balance to Obtain APY | Dividend Rate | Annual Percentage Yield** |
---|---|---|---|
$0.00 | $25.00 | 0.10% | 0.10% |
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% |
Present APR** as Low as |
---|
8.75% |
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% |
Sub-Account Description | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield*** |
---|---|---|---|
Savings | $1.00 | 0.10% | 0.10% |
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) |
$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
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 |
$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
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 |
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 | 0.10% | 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 |
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 | 0.10% | 0.10% | $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 |
View complete details
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
Term | Dividend Rate | Annual Percentage Yield** |
---|---|---|
18 months | 0.60% | 0.60% |
24 months | 0.60% | 0.60% |
36 months | 0.60% | 0.60% |
Sub-Account Description | Percent Above Index | Present APR as Low as* | Minimum APR |
---|---|---|---|
Primary Share Secured* | 1.50% | 1.60% | 1.50% |
Certificate Share Secured** | 1.50% | Rate will vary according to current certificate dividend rate earned. See SEFCU Loan Officer for additional details. | 1.50% |