Strategic Federal Credit Union

Savings Rate Board

Rates are effective as of 05/01/2013 and are subject to change without notice. Rates are stated as APY (Annual Percentage Yield).

	Rate	APY
Share Savings ($100 min. balance to earn dividends)	0.05%	0.05%
Money Market ($2500-$24999.99)	0.05%	0.05%
Money Market ($25,000.00 and Up)	0.15%	0.15%
Share Draft (Fee Free)	0.00%	0.00%
IRA Shares	0.15%	0.15%
Holiday Club	0.10%	0.10%

Share Certificates - Minimum Balance $1,500
Rates are effective as of 05/01/2013

	Rate	APY
6 month	0.15%	0.15%
12 month	0.20%	0.20%
18 month	0.25%	0.25%
24 month	0.30%	0.30%

IRA Certificates - Minimum Balance $1,000
Rates are effective as of 05/01/2013

	Rate	APY
6 month	0.15%	0.15%
12 month	0.20%	0.20%
18 month	0.25%	0.25%
24 month	0.30%	0.30%

*The IRA Certificate rates quoted here also apply for Traditional, Roth and Education IRA’s

Loan Rate Board

Rates are effective as of 04/18/2013 and are subject to change without notice.
Loan Rates are stated as APR (Annual Percentage Rate).

New Auto

Percent of Financing	APR	Maximum Amount	Maximum Term
100%	1.49%	$50,000	Up to 36 Months
	1.49%	$50,000	Up to 48 Months
	1.75%	$50,000	Up to 60 Months
	2.25%	$50,000 (min.$20,000)	Up to 72 Months
	2.99%	$50,000 (min.$20,000)	Up to 84 Months

* Includes taxes, tags & extended warranties

Used Auto

	APR	Maximum Term
Up to 5 Years Old	1.75%	Up to 36 Months
Up to 5 Years Old	1.99%	Up to 48 Months
Up to 5 Years Old	2.25%	Up to 60 Months
Up to 5 Years Old	2.75%	Up to 72 Months (min.$20,000)
Up to 5 Years Old	3.75%	Up to 84 Months (min.$20,000)
6–7 Years Old	Add 1%	Up to 84 Months

* Financing available up to 100% NADA retail value

Home Equity Line Of Credit

APR	Maximum Amount	Maximum Term
3.25%*	$10,000 -100,000 (min. initial advance of $1000.00 required)	Up to 25 Years

*Annual Percentage Rate; rate is tied to WSJ Prime Rate minus 1 and is subject to change quarterly. Prime - 1%. Floor rate 3.25% and ceiling rate 18%.

Loan Calculator

Home Equity

APR	Maximum Amount	Maximum Term
3.50%	$10,000 - 100,000	Up to 60 Months
4.00%	$25,000 - 100,000	Up to 84 Months
4.25%	$35,000 - 100,000	Up to 120 Months

Loan Calculator

All credit union loans are simple interest without any pre-payment penalties

Signature Loan

APR	Maximum Amount	Maximum Term
6.90%	$10,000	Up to 12 Months
7.90%	$10,000	Up to 24 Months
8.90%	$10,000	Up to 36 Months
9.90%	$10,000	Up to 48 Months

Overdraft Protection

APR	Maximum Amount	Maximum Term
14.00%	$2,500	Revolving

* Payment: $5 per $100 balance, $25 Per month minimum payment

Shares Secured

APR	Maximum Amount	Maximum Term
3.00% + (Current Share Dividend Rate)	$100,000	Up to 60 Months

Boats New & Used

APR	Maximum Amount	Maximum Term
6.90%	$0 - $25,000	Up to 60 Months
7.90%	$25,001 - $50,000	Up to 84 Months

* Not to exceed Blue Book value. A Marine survey may be required

Mobile Homes

APR	Maximum Amount	Maximum Term
6.90%	$50,000	Up to 60 Months

* Not to exceed NADA loan value or 80% of appraisal if provided

Terms and Conditions for the Visa Card

Terms and Conditions for Visa
Annual percentage rate (APR) for purchases	11.90%
Other APRs	Cash advance APR: 11.90%
Grace period for repayment of balances for purchases	25 days from statement date
Method of computing the balance for purchases	Average daily balance including new purchases
Annual fees	None
Transaction fee for cash advances	None
Late-payment fee	$10.00
Over-the-credit-limit fee	$15.00

We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.