Saginaw County Employees Credit Union's Rate and Fee Schedule

| Loan Rates | Savings Rates | Fee Schedule |

        

     

Saginaw County Employees Credit Union
 Loan Rates 

(updated as of January 24th, 2012)

| Auto Loans | RV Loans | Mortgages & Home Equities | Share Pledge Loans | Other Loans|

*Rates subject to change at any time - the credit union should be contacted for the current rates.

APR = Annual Percentage Rate

*ALL RATES ARE SUBJECT TO CREDIT SCORES AND MAY DIFFER FROM QUOTED RATE.

AUTOMOBILES LOANS

Vehicle Model Year Maximum Term Rates as low as*
2012 - 2011 66 months 2.74% APR*
2012 - 2011
($15,000 min.)		 78 months 3.99% APR*
2012 - 2011
($20,000 min.)		 84 months 6.75% APR*
2010 66 months 3.49% APR*
2009 54 months 3.49% APR*
2008 54 months 3.49% APR*
2007 42 months 3.49% APR*
     
2006 & Older 36 months 4.49% APR*

| Apply for a Loan | 

RECREATIONAL VEHICLES LOANS 

Vehicle Maximum Term Rates start at*
New or Used, Boats and Recreational 66 months 4.75% APR*
New or Used, Boats and Recreational 84 months 5.75% APR*

 

| Apply for a Loan | 

MORTGAGE & HOME EQUITY LOANS

*Rates Adjusted Daily - Please Call 989-793-9188 for the Current Mortgage Rates*

First Mortgages Rates start at*
Fixed Home Equity - up to 80% LTV 1 84 months 5.75% APR*
HOME IMPROVEMENTS 48 months 8.0% APR*
Mobile Homes 84 months 10.00% APR*

*Rates subject to credit score.   Rates subject to change at any time - the credit union should be contacted for the current rates.

| Apply for a Loan | 

SHARE PLEDGE LOANS

Share Pledge Loan   6.75% APR
Certificate of Deposit (CD) Pledge Loan minimum of 6.00% APY 3.00%APR + Certificate

| Apply for a Loan | 

OTHER AVAILABLE LOANS

  Rates start at*
SCECU MasterCard Revolving 9.99% APR*
Overdraft Protection Loan Revolving 15.00% APR*
Revolving Line of Credit Revolving 12.00% APR*
Personal Loan (over $1,000)   8.00% APR*
Personal Loan ($1,000 or less)   15.00% APR*
30-60-90 Day Note   15.00% APR*

| Apply for a Loan | 


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Saginaw County Employees Credit Union
Savings Rates 

| Regular Accounts | Certificates of Deposit | Individual Retirement Accounts |

*Rates subject to change at any time - the credit union should be contacted for the current rates.

APR = Annual Percentage Rate, APY = Annual Percentage Yield

REGULAR ACCOUNTS

These are proposed dividends for the forth quarter 2011 and are subject to change.

Account APR APY Minimum
Share Account (000)* .20% .20% $100.00*  
Christmas Club (009)*

.20%

.20%

 $100.00*  
Special Club* .20% .20% $100.00*  
Goal Saver (008)*
(Restricted Withdrawals)

.20%

.20%

 $100.00*

*Account must have a minimum deposit of $5.00 to be opened.  $100.00 minimum represents the minimum account balance to receive a dividend.  

Members that do not use any other credit union services, have no activity on their share account for 12 months, or have less than $150.00 will be charged a monthly dormant account fee of $2.00.

Money Management  (as of December 1st, 2011*)

Money Management (050)** .25% .25% Under $2,500
.25% .25% $2,500 - $9,999.99
.25% .25% $10,000 - $19,999.99
.30% .30% $20,000 - $49,999.99
.35% .35% $50,000 & up

**Money Management rates are subject to change at any time.

 

CERTIFICATES OF DEPOSIT (CD)  (as of November 16th, 2011*)

*Rates subject to change at any time - the credit union should be contacted for the current rates.
Term Amount Invested APR APY
26 week
(6 month)		 Minimum $500 0.35% 0.35%
       
12 month Minimum $500 0.45% 0.45%
       
18 month Minimum $500 0.50% 0.50%
       
24 month Minimum $500 0.75% 0.75%
       
30 month Minimum $500 0.80% 0.80%
       
36 month Minimum $500 1.00% 1.00%
       
48 month Minimum $500 1.29% 1.30%
       
60 month Minimum $500 1.54% 1.55%
       
SAVE TO WIN CD

12 month CD

  

$50 & up 

(CD can be added to in increments of $25)

 .45% .45%

                    Interest may be compounded quarterly on all CD's.

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRA) (as of November 16th, 2011*)

*Rates subject to change at any time - the credit union should be contacted for the current rates.

APR = Annual Percentage Rate, APY = Annual Percentage Yield

              These are proposed dividends for the forth quarter and are subject to change.

Type APR APY Balance
IRA Club - Tier 1 .20% .20% $100 - $1,999
IRA Club - Tier 2 .25% .25% $2,000 and up
Roth IRA Club - Tier 1 .20% .20% $100 - $1,999
Roth IRA Club - Tier 2 .25% .25% $2,000 and up
Education IRA - Tier 1 .20% .20% $100 - $1,999
Education IRA - Tier 2 .25% .25% $2,000 and up

 

IRA Certificates of Deposit
Term APR APY Minimum
12 month IRA Certificate 0.45% 0.45% $500.00
24 month IRA Certificate 0.75% 0.75% $500.00
36 month IRA Certificate 1.00% 1.00% $500.00
48 month IRA Certificate 1.29% 1.30% $500.00
60 month IRA Certificate 1.54% 1.55% $500.00

 

Youth Certificates of Deposit
Term APR APY Minimum
12 month Certificate 1.99% 2.00% $50.00*

*For the Youth CD only, additional deposits can be made at any time

 


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