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 0.25% 0.25% $25.00

Boomer Club

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$1.00 0.25% 0.25% $25.00

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2018)

Maintenance

$3/month

$4.74

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Holiday Club

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$0.00 0.25% 0.25% $1.00

Preferred Savings

Current Rates

Average Daily Tier Balances Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
Preferred Savings $0 - $2,499.99 0.25% 0.25% $1.00
Preferred Savings $2,500.00 - $9,999.99 0.50% 0.50% $2,500.00
Preferred Savings $10,000.00 - $24,999.99 0.60% 0.60% $10,000.00
Preferred Savings $25,000 –$49,999 0.70% 0.70% $25,000.00
Preferred Savings $50,000.00 and above 0.85% 0.85% $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
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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 0.25% 0.25% N/A
Preferred Plus Savings $2,500.00 - $9,999.99 0.50% 0.50% $2,500.00
Preferred Plus Savings $10,000 - 24,999.99 0.60% 0.60% $10,000.00
Preferred Plus Savings $25,000 - $49,999.99 0.70% 0.70% $25,000.00
Preferred Plus Savings $50,000 - $99,999.99 0.85% 0.85% $50,000.00
Preferred Plus Savings $100,000–$249,999 1.30% 1.31% $100,000.00
Preferred Plus Savings $250,000–$499,999 1.40% 1.41% $250,000.00
Preferred Plus Savings $500,000–$999,999 1.55% 1.56% $500,000.00
Preferred Plus Savings $1,000,000+ 1.80% 1.81% $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

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Mint Savings

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$1.00 0.25% 0.25% $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