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 | 4.25% |
Fixed-Rate Home Equity Loans
Fixed-Rate Home Equity Loan^
| Approximate Repayment Term | APR** as low as |
|---|---|
| 5 years | 3.75% |
| 10 years | 4.00% |
| 15 years | 4.25% |
| 20 years | 4.75% |
Fixed-Rate Home Equity Vacation Home Loans
Fixed-Rate Home Equity Vacation Home Loan^
| Approximate Repayment Term | APR*** as low as |
|---|---|
| 5 years | 4.50% |
| 10 years | 4.75% |
| 15 years | 5.00% |
| 20 years | 5.50% |
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 | 0.05% | 0.05% | $25.00 |
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 | 0.05% | 0.05% | $25.00 |
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 |
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 | 2.50% for first 18 months | Prime -0.50% after first 18 months- As of 05/05/22, that equates to 3.50% |