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

 

 

 

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

 

 

 

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 Mortgage Services

Mortgage Rates

Mortgage Type Rate Points APR
30 Yr Fixed-Rate (Conforming) 5.250% 0.50% 5.395%
30 Yr Fixed-Rate (Conforming) 5.375% 0.00% 5.479%
20 Yr Fixed-Rate (Conforming) 5.125% 0.50% 5.311%
15 Yr Fixed-Rate (Conforming) 4.625% 0.00% 4.848%
10/6mos ARM (Conforming) 3.875% 0.00% 4.286%
5/6mos ARM (Conforming) 3.750% 0.00% 4.472%
VA 5.000% 0.00% 5.225%
FHA 5.000% 0.00% 6.564%
USDA 5.125% 0.00% 5.731%

*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 SEFCU. Licensed Mortgage Banker–NYS Department of Financial Services. NMLS Company ID–309847.

UTMA

Fee-free savings account

Minimum Opening Deposit Dividend Rate Annual Percentage Yield** Minimum Balance to Obtain APY
$1.00 0.05% 0.05% $25.00