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.
Fixed-rate Home Equity Line of Credit
Fixed-Rate Home Equity Line of Credit***
| Term | Standard APR** (as low as) |
|---|---|
| 15 years | 4.50% |
Holiday Club
Current Rates
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
|---|---|---|---|
| $0.00 | 0.10% | 0.10% | $0.01 |
Mint Savings
Current Rates
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
|---|---|---|---|
| $0.01 | 0.10% | 0.10% | $0.01 |
Owner’s Choice
Current Rates
| Minimum Opening Deposit | Average Daily Balance to Obtain APY | Dividend Rate | Annual Percentage Yield** |
|---|---|---|---|
| $0.00 | $0.01 | 0.10% | 0.10% |
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% | $0.01 |
| 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 - $99,999.99 | 0.20% | 0.20% | $50,000.00 |
| Preferred Savings $100,000.00 - $249,999.99 | 0.30% | 0.30% | $100,000.00 |
| Preferred Savings $250,000.00 - $499,999.99 | 0.40% | 0.40% | $250,000.00 |
| Preferred Savings $500,000.00 - $999,999.99 | 0.40% | 0.40% | $500,000.00 |
| Preferred Savings $1,000,000+ | 0.40% | 0.40% | $1,000,000.00 |
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 | 0.10% | 0.10% | $0.01 |
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% | $0.01 |
UTMA
Fee-free savings account
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield** | Minimum Balance to Obtain APY |
|---|---|---|---|
| $0.01 | 0.10% | 0.10% | $0.01 |
Variable-Rate Home Equity Line of Credit
Variable-Rate Home Equity Line of Credit***
| Term | Introductory APR** (as low as) | Standard APR** (as low as) |
|---|---|---|
| 25 Years | 3.25% for first 18 months | Prime -0.50% after first 18 months- As of 08/01/22, that equates to 5.00% |