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

 

 

 

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

 

 

 

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

Mortgage Rates

Mortgage Rates

SEFCU Mortgage Services offers mortgage solutions for a variety of situations:

  • Purchase
  • Refinance
  • New Construction - End Loan
  • Reverse Mortgage
  • To learn more about these programs and many others, call us at 800-444-6313.
  • To view SEFCU Mortgage Services rates and to get pre-qualified, click the link below.
     View rates and 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

 

 

 

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 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

Coverdell Education Share Certificates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
6 months 0.15% 0.15%
10 months 0.15% 0.15%
12 months 0.50% 0.50%
15 months 0.50% 0.50%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
36 months 0.60% 0.60%
48 months 0.75% 0.75%
60 months 0.75% 0.75%
24-month add-on 0.60% 0.60%

Fixed-Rate Share Certificates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
3 months 0.15% 0.15%
6 months 0.15% 0.15%
9 months 0.15% 0.15%
10 months 0.15% 0.15%
12 months 0.50% 0.50%
15 months 0.50% 0.50%
18 months 0.60% 0.60%
24 months 0.60% 0.60%
30 months 0.60% 0.60%
36 months 0.60% 0.60%
48 months 0.75% 0.75%
60 months 0.75% 0.75%