Rates effective as of 6/14/2022 and subject to change. Fees may reduce earnings. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Special Promotion: 8 Month Certificate of Deposit @ 1.00%. Limited time only. Please see SRFCU staff for additional details.

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%

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%

Certificates Learn More

Balance Term APR APY
$1,000 - $49,999.99 3 mos. 3.00% 3.04%
$1,000 - $49,999.99 6 mos. 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

Certificates ($50,000 - $99,999) Learn More

Balance Term APR APY
$50,000 - $99,999.99 3 mos. 3.00% 3.04%
$50,000 - $99,999.99 6 mos. 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

Certificates ($100,000+) Learn More

Balance Term APR APY
$100,000+ 3 mos. 3.00% 3.04%
$100,000+ 6 mos. 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

Auto Loans Learn More

Loan Type Duration Rate
New & Used Auto up to 36 mo. 3.24 - 12.99%
New & Used Auto 37 - 48 mo. 4.74 - 13.99%
New & Used Auto 49 - 60 mo. 5.24 - 14.99%
New & Used Auto 61 - 72 mo. 5.49 - 15.99%
New & Used Auto 73 - 84 mo. 5.99 - 16.99%
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 term based on make, model year, amount financed and relationship pricing. Used auto if 5+ years old.

Home Equity Line of Credit Learn More

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

Property Loans Learn More

Loan Type Term APR
Real Estate Loan 15 year 6.25 - 8.95%
Real Estate Loan 20 year 6.75 - 9.25%
Real Estate Loan 30 year quoted daily
Construction Loan Varies 6.50 - 9.50%

Credit Cards Learn More

Product APR
Introductory Rate 3.99 - 9.99%
After 6 Months 10.99 - 17.99%