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

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

 

 

 

Campus Connect Program

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield***
$1.00 0.05% 0.05%
$0.00 0.00% 0.00%

Additional Service Fees

Item Fee New York State Bank/Credit Union average fee^
(as of April 2021)

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)

$1.55/per

Original Canceled Check

$5

N/A

Returned Checks - Deposited

$10

$15.22

Overdraft Transfer from Savings

$2.50

$7.39

Returned Checks - NSF (Non-Sufficient Funds)

$28

$32.88

Return NSF from POS/Check Card

$28

$33.69

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

$7.22

 
View Campus Connect Program 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 Credit Builder Credit Card details

 

 

 

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 0.40% 0.40%
15 months 0.40% 0.40%
18 months 0.45% 0.45%
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%

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 April 2021)
Monthly Maintenance Fee $0.00 $4.52

Overdraft Transfer from Savings

$2.50

$7.39

No activity for 12 months (activity can be as simple as depositing $1/month)

$3/month

$7.80/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 April 2021)

Overdraft Transfer from Savings

$2.50

$7.39
No activity for 12 months $3/month $7.80/month
Excessive withdrawals No fee $10.39

Teller Check

No fee

$10.65

Money Order

No fee

$4.04

Below minimum average daily balance *

$15

N/A

 
View Preferred Plus Savings 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 April 2021)
Monthly Maintenance Fee $0.00 $4.52
Overdraft Transfer from Savings $2.50 $7.39 
View Preferred Savings 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)

$1.55/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

$29.99

Stop Payment on Personal Check

$20

$29.99

Stop Payment on Teller (Official) Check

$20

$29.99

Monthly Charge

No fee

$6.46

 
View Really Free Checking details

 

 

 

Roth IRA

Tiered Dividends

Average Monthly Tier Balances Minimum Opening Deposit Minimum Balance to Obtain APY Dividend Rate Annual Percentage Yield*
Roth IRA $0 –$2,499.99 N/A $1.00 0.05% 0.05%
Roth IRA $2,500 –$9,999.99 N/A $2,500.00 0.10% 0.10%
Roth IRA $10,000 –$24,999.99 N/A $10,000.00 0.10% 0.10%
Roth IRA $25,000 –$49,999.99 N/A $25,000.00 0.15% 0.15%
Roth IRA $50,000 & over N/A $50,000.00 0.20% 0.20%

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee**
(as of April 2021)

IRA Close Plan / Transfer Fee

$15

$31.71

Distribution from Contribution

Non-taxable, no IRS penalties

 

Distribution from Earnings:

• Roth IRA is less than 5 years old

• Withdrawals used for higher education

Taxable, no IRS penalties

 

Distribution from Earnings:

• Roth IRA is less than 5 years old

• Withdrawals not used for higher education

Taxable, may have IRS penalty

 

Distribution from Earnings

• Roth IRA is at least 5 years old

• Owner will be at least 59½ years old during the current tax year

No tax liability, no IRS penalty

 

Distribution from Earnings

• Roth IRA is at least 5 years old

• Owner won’t be at least 59½ years old during the current tax year

• Withdrawals are used to pay for qualified higher education expenses, certain medical expenses or for a “First-Time” home purchase

 

“First-Time” home purchase means:

• The home must be purchased by a grandparent, parent, spouse, child or grandchild of the IRA owner, or by the IRA owner

• The home purchaser may not have had his or her name on a mortgage deed in the last 3 years

• There is a lifetime limit of $10,000 which can be distributed from the Roth IRA for this purpose

No tax liability, no IRS penalty

 

 
View Roth IRA details

 

 

 

SEFCU Business Mastercard®

Current Rates

APR for purchases and balance transfers APR FOR CASH ADVANCES
As low as 10.25% As low as 12.25%

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 SEFCU Business Mastercard 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

 

 

 

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 SEFCU Lightning Credit Card details