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Rates

Rates
LoansSavings 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 March 1, 2010
 
Auto Loans

 Annual Percentage Rate (APR)
as low as

Terms

Fixed Rate Auto:
One rate new or used
2010 & older

4.40%
up to 60 months
5.25%
61-66 months (over $20,000)
5.50%
67-72 months (over $25,000)
Signature Loans

 APR
as low as

$15,000 Maximum
 
6.90%
12 months or less
 
7.90%
13-24 months; fixed rate
 
9.90%
25-48 months; fixed rate
 
10.90%
60 months; fixed rate
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

Home Equity
APR
 
5.90%
10 years; variable rate
80% of appraisal less mortgage
   Please contact us for details on disclosures, fees & terms  
First Mortgage
APR
 
5.50%
15 years; fixed rate; 80% LTV
 
5.00%
10 years; fixed rate; 80% LTV
     
Second Mortgage
APR
 
6.50%-8.50%
up to 7 years
 
7.50%-9.50%
up to 10 years
     
Balloon First Mortgage
APR
Fixed Rate
 
4.50%
5 year 80% LTV
 
4.75%
7 year 80% LTV
up to 30 year amortization
RVs, Campers, 5th Wheels, Jet Skis, and Motorcycles

 APR
as low as

 
 
4.40%
up to 60 months
 
Please call for current rates 989-791-7070 or contact us.

Savings

Effective as of March 1, 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
0.50%
0.50%
Monthly
$10,000 and over
Young Savers
3.00%
3.04%
Monthly
$0 and over
 
Regular Savings, 2nd Savings, Vacation Club, Christmas Club
.25%
.25%
Monthly
$250-$2,499
 
.25%
.25%
Monthly
$2,500-$9,999
 
.50%
.50%
Monthly
$10,000-$19,999
 

 .50%

 .50%

 Monthly

 $20,000 and over

MONEYPlus
.50%
.50%
Monthly
$250-$2,499
.75%
.75%
Monthly
$2,500-$9,999
1.00%
1.01%
Monthly
$10,000-$99,999
1.25%
1.257%
Monthly
$100,000 & over
IRA
2.00%
2.018%
Monthly
$0-$9,999
 
2.25%
2.273%
Monthly
$10,000-$19,999
 
2.75%
2.785%
Monthly
$20,000-$49,999
 
3.00%
3.042%
Monthly
$50,000 & over

Certificates


Effective as of March 1, 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)

         
6 Month
1.247%
1.25%
Monthly
$500-$49,999

 

1.49%
1.50%
Monthly
$50,000 and over

 

 

 

 

12 Month
1.49%
1.50%
Monthly
$500-$49,999
 
1.736%
1.75%
Monthly
$50,000 and over
 
24 Month
2.227%
2.25%
Monthly
$500-$49,999
2.472%
2.50%
Monthly
$50,000 and over

 
36 Month
2.227%
2.25%
Monthly
$500-$49,999
 
2.472%
2.50%
Monthly
$50,000 and over



 


Saginaw Medical FCU
P.O. Box 6160
Saginaw, Michigan 48608
989.791.7070
Fax: 989.790.6910
memberservices@smfcu.com