Rates
View current rates for savings, loans, certificates, and credit cards at SRFCU.
CURRENT RATES
Competitive Rates for Savings, Loans, and Certificates
Rates effective as of 04/23/2026 and subject to change. Fees may reduce earnings. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Limited Time Certificates:
5 month Certificate @
3.60% APY
13 month Certificate @
3.25% APY
Personal Accounts
| Product | Dividend Rate | APY |
|---|---|---|
| Savings | 0.10% | 0.10% |
| Christmas Savings (up to $4,000) | 0.45% | 0.45% |
| IRA Savings | 0.20% | 0.20% |
| Checking | 0.10% - 0.15% | 0.10% - 0.15% |
Signature Loans
| Credit Score | Tier | Rate |
|---|---|---|
| 760 + | A++ | 9.99% |
| 720 - 759 | A+ | 10.99% |
| 680 - 719 | A | 11.99% |
| 640 - 679 | B | 13.99% |
| 600 - 639 | C | 15.99% |
| 0 - 599 | D/E | 17.99% |
Auto Loans
| Loan Type | Duration | Rate |
|---|---|---|
| New & Used Auto | up to 36 mo. | 3.79 - 15.04% |
| New & Used Auto | 37 - 48 mo. | 3.99 - 15.24% |
| New & Used Auto | 49 - 60 mo. | 5.25 - 16.49% |
| New & Used Auto | 61 – 72 mo. | 5.49 - 16.49% |
| New & Used Auto | 73 - 84 mo. | 5.74 - 16.49% |
| Used Auto (older than 5 years) | up to 84 mo. | add 1% to stated rate |
| New and Used Boats, Motors,Trailers, Recreational Vehicles and Tractors | up to 120 mo. | add 1% to stated rate |
New and used auto rates are based on credit score, term, model year, amount financed, and relationship pricing. Level 1 used autos, 2022–2025, are financed at the stated auto rate. Level 2 used autos, 2021 and older, add 1% to the stated auto rate. Boats, motorcycles, tractors, and recreational vehicles add 1% to the stated auto rate. Loans cannot exceed 18% APR.
Property Loans
| Loan Type | Term | APR |
|---|---|---|
| Real Estate Loan | 15 year | 5.95 - 8.95% |
| Real Estate Loan | 20 year | 6.25 - 9.25% |
| Real Estate Loan | 30 year | quoted daily |
| Construction Loan | Varies | 6.50 - 9.50% |
Money Market
| Balance | Dividend Rate |
|---|---|
| $2,500 - $9,999 | 0.30% |
| $10,000 - $24,999 | 0.30% |
| $25,000 - $49,999 | 0.30% |
| $50,000 and up | 0.35% |
Certificate Rates
$1,000 - $49,999.99
$50,000 - $99,999
$100,000+
| Balance | Term | APR | APY |
|---|---|---|---|
| $1,000 - $49,999.99 | 3 Months | 0.35% | 0.35% |
| $1,000 - $49,999.99 | 6 Months | 0.35% | 0.35% |
| $1,000 - $49,999.99 | 1 year | 0.75% | 0.75% |
| $1,000 - $49,999.99 | 2 Year | 1.00% | 1.00% |
| $1,000 - $49,999.99 | 3 Year | 0.85% | 0.85% |
| $1,000 - $49,999.99 | 4 Year | 1.10% | 1.11% |
| $1,000 - $49,999.99 | 5 Year | 1.25% | 1.26% |
Penalty for early withdrawal
| Balance | Term | APR | APY |
|---|---|---|---|
| $50,000 - $99,999.99 | 3 Months | 0.45% | 0.45% |
| $50,000 - $99,999.99 | 6 Months | 0.45% | 0.45% |
| $50,000 - $99,999.99 | 1 year | 0.85% | 0.85% |
| $50,000 - $99,999.99 | 2 Year | 1.10% | 1.11% |
| $50,000 - $99,999.99 | 3 Year | 0.95% | 0.95% |
| $50,000 - $99,999.99 | 4 Year | 1.20% | 1.21% |
| $50,000 - $99,999.99 | 5 Year | 1.35% | 1.36% |
Penalty for early withdrawal
| Balance | Term | APR | APY |
|---|---|---|---|
| $100,000+ | 3 Months | 0.55% | 0.55% |
| $100,000+ | 6 Months | 0.55% | 0.55% |
| $100,000+ | 1 year | 0.95% | 0.95% |
| $100,000+ | 2 Year | 1.20% | 1.21% |
| $100,000+ | 3 Year | 1.05% | 1.06% |
| $100,000+ | 4 Year | 1.30% | 1.31% |
| $100,000+ | 5 Year | 1.45% | 1.46% |
Penalty for early withdrawal
Home Equity Line of Credit
| Product | APR |
|---|---|
| Home Equity Line of Credit Index - WSJ Prime Rate† | Promotional Rate = 6 months @ 2.99% |
| 2nd Mortgage Line-of-Credit Index - WSJ Prime Rate† | Promotional Rate = 6 months @ 2.99% |
†The index is the prime rate published in the Wall Street Journal
Credit Cards
| Product | APR |
|---|---|
| Introductory Rate | 3.99 - 9.99% |
| After 6 Months | 10.99 - 17.99% |
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