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

Credit Builder Credit Card

Current Rates

APR for purchases and balance transfers APR for cash advances
10.00%** 12.00%**

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 1.48% 1.50%
6 months 2.95% 3.00%
12 months 3.19% 3.25%
18 months 3.19% 3.25%
24 months 3.19% 3.25%
36 months 3.44% 3.50%
48 months 3.44% 3.50%
60 months 3.44% 3.50%
SPECIAL 23 months*** 4.16% 4.25%
SPECIAL 13 months*** 3.92% 4.00%

Holiday Club

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Average Daily Balance to Obtain APY
$0.00 0.15% 0.15% $0.01

Mint Savings

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Average Daily Balance to Obtain APY
$0.01 0.15% 0.15% $0.01

Preferred Savings

Current Rates

Average Daily Tier Balances Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
Preferred Savings $0 - $2,499.99 0.15% 0.15% $0.01
Preferred Savings $2,500.00 - $9,999.99 0.49% 0.50% $2,500.00
Preferred Savings $10,000.00 - $24,999.99 0.74% 0.75% $10,000.00
Preferred Savings $25,000.00 –$49,999.99 0.99% 1.00% $25,000.00
Preferred Savings $50,000.00 - $99,999.99 1.48% 1.50% $50,000.00
Preferred Savings $100,000.00 - $249,999.99 1.73% 1.75% $100,000.00
Preferred Savings $250,000.00 - $499,999.99 1.98% 2.00% $250,000.00
Preferred Savings $500,000.00 - $999,999.99 1.98% 2.00% $500,000.00
Preferred Savings $1,000,000.00+ 1.98% 2.00% $1,000,000.00

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 0.15% 0.15%
Roth IRA $2,500 –$9,999.99 N/A $2,500.00 0.49% 0.50%
Roth IRA $10,000 –$24,999.99 N/A $10,000.00 0.74% 0.75%
Roth IRA $25,000 –$49,999.99 N/A $25,000.00 0.99% 1.00%
Roth IRA $50,000 & over N/A $50,000.00 1.48% 1.50%

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 Lightning Credit Card®

Current Rates

APR For Purchases and Balance Transfers APR for Cash Advances
As low as 14.99%*** As low as 16.99%***

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

 

 

 

SEFCU Mastercard®

Current Rates

APR for Purchases and Balance Transfers APR for Cash Advances
As low as 11.99%*** As low as 13.99%***

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 Mastercard details

 

 

 

SEFCU Mortgage Services

Mortgage Rates

Mortgage Type Rate Points APR
30 Yr Fixed-Rate (Conforming)* 6.250% 0.00% 6.403%
20 Yr Fixed-Rate (Conforming) 6.000% 0.00% 6.198%
15 Yr Fixed-Rate (Conforming) 5.750% 0.00% 5.994%
10/6 ARM (Conforming) 4.500% 0.00% 5.692%
5/6 ARM (Conforming) 4.500% 0.00% 6.394%
7/6 ARM (Conforming) 4.500% 0.00% 6.093%
FHA 6.125% 0.00% 7.050%

*Rates are based on conforming limits and are subject to change without notice.

Home Mortgage Disclosure Act Notice 

The Home Mortgage Disclosure Act Notice (HMDA) data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions is now available online. To request HMDA data for calendar years 2017 and forward, please visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/HMDA). To request HMDA data for calendar years prior to 2017, please inquire at this office regarding the locations where HMDA data may be inspected.
SEFCU Mortgage Services Logo

700 Patroon Creek Blvd., Suite 301, Albany, NY 12206. Tel: 800-444-6313. SEFCU Mortgage Services is a wholly owned subsidiary of Broadview FCU. Licensed Mortgage Banker–NYS Department of Financial Services. NMLS Company ID–309847.