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Rates
Loans • Savings • Certificates
All rates quoted are subject to change without notice; call SMFCU for today's rates. The Annual Percentage Yields listed are accurate as of the last dividend declaration date. Fees, if any, may reduce earnings and affect APY calculations. Call the credit union for complete disclosures.
Loans
| Effective as of August 31, 2010 |
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|
|
Auto Loans |
Annual Percentage Rate (APR)
as low as |
Terms |
Fixed Rate Auto:
One rate new or used
2010 & older |
|
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3.90% |
up to 60 months |
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5.25% |
61-66 months (over $20,000) |
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5.50% |
67-72 months (over $25,000) |
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Signature Loans |
|
$15,000 Maximum |
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6.90% |
12 months or less |
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7.90% |
13-24 months; fixed rate |
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9.90% |
25-48 months; fixed rate |
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10.90% |
60 months; fixed rate |
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Visa Credit Cards |
APR
as low as |
Minimum Payment |
| VISA Platinum |
8.90% |
3% of outstanding balance |
|
VISA Platinum Rewards |
9.90% |
3% of outstanding balance |
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Home Equity |
APR |
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| |
5.90% |
10 years; variable rate
80% of appraisal less mortgage |
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Please contact us for details on disclosures, fees & terms |
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| First Mortgage |
APR |
|
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5.50% |
15 years; fixed rate; 80% LTV |
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5.00% |
10 years; fixed rate; 80% LTV |
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| Second Mortgage |
APR |
|
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6.50%-8.50% |
up to 7 years |
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7.50%-9.50% |
up to 10 years |
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| Balloon First Mortgage |
APR |
Fixed Rate |
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4.50% |
5 year 80% LTV |
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4.75% |
7 year 80% LTV |
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up to 30 year amortization |
| RVs, Campers, 5th Wheels, Jet Skis, and Motorcycles |
APR
as low as |
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3.90% |
up to 60 months |
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Please call for current rates 989-791-7070 or contact us.
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Savings
Effective as of August 31, 2010
| Account Type |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
Dividends Compounded & Credited |
Minimum Balance to Earn Dividends |
| All rates quoted are subject to change without notice; call SMFCU for today's rates. The Annual Percentage Yields listed are accurate as of the last dividend declaration date. Fees, if any, may reduce earnings and affect APY calculations. Call the credit union for complete disclosures. |
| Checking |
0.25% |
0.25% |
Monthly |
$10,000 and over |
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| Young Savers |
3.00% |
3.04% |
Monthly |
$0 and over |
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| Regular Savings, 2nd Savings, Vacation Club, Christmas Club |
.25% |
.25% |
Monthly |
$250 & over |
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| MONEYPlus |
.50% |
.50% |
Monthly |
$250-$9,999 |
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|
.75% |
.753% |
Monthly |
$10,000-$99,999 |
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|
.85% |
.853% |
Monthly |
$100,000 & over |
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| IRA |
2.00% |
2.018% |
Monthly |
$0-$9,999 |
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2.25% |
2.273% |
Monthly |
$10,000-$19,999 |
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2.75% |
2.785% |
Monthly |
$20,000-$49,999 |
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3.00% |
3.042% |
Monthly |
$50,000 & over |
Certificates
Effective as of August 31, 2010 |
| Certificate Rates |
APR |
APY |
Dividends Compounded & Credited |
Minimum Balance to Earn Dividends |
| All certificates require a $500 minimum balance to open the account and earn the stated APY. Substantial penalty for early withdrawal. Call the credit union for complete disclosures. |
| 7 Month Youth CD |
6.785% |
7.00% |
Monthly |
$500(min) - $700(max) |
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| 6 Month |
0.995% |
1.00% |
Monthly |
$500 and over |
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| 12 Month |
1.243% |
1.25% |
Monthly |
$500 and over |
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| 24 Month |
1.736% |
1.75% |
Monthly |
$500 and over |
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| 36 Month |
1.736% |
1.75% |
Monthly |
$500 and over |
Saginaw Medical FCU
P.O. Box 6160
Saginaw, Michigan
48608
989.791.7070
Fax: 989.790.6910
memberservices@smfcu.com
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