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

 

 

 

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

 

 

 

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

 

 

 

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

 

 

 

SEFCU Mastercard®

Current Rates

APR for Purchases and Balance Transfers APR for Cash Advances
As low as 8.24%*** As low as 10.24%***

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 Mastercard details

 

 

 

SEFCU World™ Mastercard®

Current Rates

APR For Purchases and Balance Transfers APR for Cash Advances
As low as 9.24%*** As low as 11.24%***

Fees

Item SEFCU 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 $25.00

Returned Payment Fee

Up to $25.00

View SEFCU World Mastercard details