Rates


 

Loan Rates

Rates Effective: 6/1/2021

Description

Loan-to-Value Maximum

Maximum Loan Amount

Maximum Term
(in months)

Annual Percentage Rate

New Vehicles Up to 120% $60,000 72 3.00% to 15.75%
Used Vehicles ≤ 5 years old Up to 120% $60,000 72 4.00% to 16.00%
Used Vehicles > 5 years old Up to 120% $35,000 60 4.00% to 16.00%
New & Used Motorcycles Up to 100% $30,000 60 6.50% to 16.00%
Share Secured Loans 100% of share balance   84 4.0% above rate of share collateral
Certificate Secured Loans 100% of share balance $500 or more 60 4.0% above rate of share collateral
Fresh Start Loans 100% of share balance $500, $1,000, $1,500 or $2,000 6 to 24 4.0% above rate of share collateral
Signature Loans   $10,000 48 9.25% to 16.00%
Signature Loans with Collateral Up to 90% $50,000 48 8.25% to 15.75%
Overdraft Line-of-Credit   $250 to $5,000 Revolving 10.25% to 16.00%

Annual Percentage Rate may vary depending on creditworthiness. Additional rate discounts may apply for lower LTV’s, automatic loan payments, Term Certificates or IRAs and/or previous loans paid in full satisfactory with Self-Help FCU and its Divisions. Individual applicant’s interest rates are determined by credit score, vehicle year and mileage. Please ask a loan officer for details. All rates and terms are subject to change without notice. The maximum amount of unsecured credit that may be extended to a household is $50,000 including credit cards, lines of credit, and any individual or joint signature loan balance.

Deposit Rates

Rates Effective: 6/1/2021

Type

Min. to Open

Min. to Earn Dividends

Dividend Rate*

APY**

Savings (all types) $50 $50 .15% .15%
Youth Accounts (all) $5 $5 .15% .15%
Personal Checking $0 $0 0% 0%
Money Market $2,500 $2,500 .19% .19%
IRA Account $100 $100 .40% .40%
Business Checking $0 $0 0% 0%

All share accounts are variable rate accounts.

Member must maintain $5 par value.

 

Share Certificates

Rates Effective: 6/1/2021

Term/IRA Term

Min. to Open Term/IRA

Min. to Earn Dividends Term/IRA

APR*

APY**

3 Month(1) $500/$100 $500/$100 .10% .10%
6 Month(1) $500/$100 $500/$100 .15% .15%
12 Month $500/$100 $500/$100 .40% .40%
18 Month $500/$100 $500/$100 .40% .40%
24 Month $500/$100 $500/$100 .45% .45%
36 Month $500/$100 $500/$100 .55% .55%
48 Month $500/$100 $500/$100 .55% .55%
60 Month $500/$100 $500/$100 .60% .60%

All term share accounts are fixed rate accounts.

* APR=Annual Percentage Rate ** APY=Annual Percentage Yield

(1) Terms not available for IRA Certificates

All rates are subject to change without notice. Member accounts are insured by the National Credit Union Administration up to $250,000. IRA accounts are additionally insured up to $250,000.