Current Rates

Share Rates |  Loan Rates

Rates effective as of: 08/01/2014

Loan Type New Rate Used Rate
New & Used Vehicle/Motorcycle Model years 2014 – 2009 up to 60 mos.*** 2.000%** 2.000%**
New/Used Vehicle 2014-2009 up to 84 mos.* 4.500%** 4.500%**
Older Used Vehicle 2008-2006 up to 60 mos. N/A 4.500%**
Older Used Vehicle 2008-2006 up to 84 mos.* N/A 6.500%**
Share Secured Loan 3.500% above earned rate
Recreational Vehicle***
(RVs, Snowmobiles, Boats)**
7.000%** 7.000%**
Personal Loan (Unsecured)
$500-$20000 60 mos.***
8.000%**
Tuition Loans 8.000%
1st Mortgage Loan – refinances only/no purchases180 months/80% loan to value maximum PROGRAM CURRENTLY AT CAPACITY
2nd Mortgage Loan 180 months/80% loan to value maximum PROGRAM CURRENTLY AT CAPACITY
CHIPS Protection Plan
(Overdraft Line of Credit)$500 – $1500 limits
15.00%

*Minimum financing of $15,000 is required for vehicle loans over 60 months. Maximum terms depends on amount financed.

** Add 0.25% to rate if NOT paid via payroll deduction

*** No refinancing of existing SemiFCU loans

All quoted rates in APR = Annual Percentage Rate

A $75 loan refinance fee applies to most SemiFCU vehicle and personal loans – some restrictions apply

All loan rates are subject to change without notice.
Please see a loan officer if you have any questions.

lender

Share Rates

Rates effective as of 08/01/2014

Type of Account & Balance Rate Annual Percentage Yield (APY)
Share Account * 0.10% 0.10%
Club Account ** 0.15% 0.15%
Christmas Club Account 0.15% 0.15%
Checking (Share Draft) None N/A
Money Market
$0-$1999.99
$2000-$9999.99
$10,000+

None
0.20%
0.25%

None
0.20%
0.25%

IRA Savings

0.40%

0.40%

Certificates – $500 Minimum Deposit
3 Month Cert. .25% .25%
6 Month Cert. .30% .30%
12 Month Cert. .40% .40%
18 Month Cert. .50% .50%
24 Month Cert. .60% .60%
30 Month Cert. .75% .75%
36 Month Cert. 1.00% 1.00%
48 Month Cert. 1.40% 1.41%
60 Month Cert. 1.75% 1.76%


Dividends are paid monthly on the average daily balance in each account. Dividend rates are subject to change without notice. See our Fee Schedule for details on fees and charges associated with our accounts.  Fees may reduce earnings on accounts.

On certificates, there is a substantial penalty for early withdrawal.

*$25.00 minimum to open account and earn dividends

**$.01 minimum to open account and earn dividends



This credit union is federally insured by the National Credit Union Administration

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