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Freedom Green Rewards Checking

Level Tier Low Balance High Balance APY*
1 A $- $25,000.00 0.015%

*APY=Annual Percentage Yield. Please see all terms and conditions on qualifying rate tiers. Freedom Green Rewards Checking account is allowed per Member. Business accounts are not eligible for rewards. Rates subject to change without notice and subject to current SDCU terms and conditions.

Checking & Savings

Account Minimum Opening Deposit Rate APY*
Membership Share Savings $5 0.015% 0.015%
Special Share Savings/Student's First/Kid's Club $5 0.015% 0.015%
Christmas/Vacation Club Savings $5 0.015% 0.015%
IRA Savings $5 0.015% 0.015%
Regular Checking $0 0.00% 0.00%

*APY=Annual Percentage Yield. Rates subject to change without notice and subject to current SDCU terms and conditions. Truth in Savings Disclosure

Money Market Account

Minimum Balance to Earn APY Rate APY*
$2,500 0.050% 0.050%
$10,000 0.070% 0.070%
$25,000 0.100% 0.100%

*APY=Annual Percentage Yield. Rates subject to change without notice and subject to current SDCU terms and conditions. Truth in Savings Disclosure

Certificates

Term Minimum Rate APY*
6 month $1,000 0.15% 0.15%
1 year $1,000 0.20% 0.20%
2 year $1,000 0.35% 0.35%
3 year $1,000 0.45% 0.45%
4 year $1,000 0.55% 0.55%
5 year $1,000 0.75% 0.75%

*APY=Annual Percentage Yield | Truth in Savings Disclosure | Certificate Details

IRA Certificates

Term Minimum Rate APY*
6 month $500 0.15% 0.15%
1 year $500 0.20% 0.20%
2 year $500 0.35% 0.35%
3 year $500 0.45% 0.45%
4 year $500 0.55% 0.55%
5 year $500 0.75% 0.75%

*APY=Annual Percentage Yield | Truth in Savings Disclosure | Certificate Details

Vehicle Loans

Type Terms & Conditions Term APR** as low as Payment Example for $1000
New Cars, Trucks, and Vans Purchase or Refinance 2018 – 2019, The year of the vehicle will determine the term of the loan 24-72 months 60 months 3.39%* $18.00 Monthly Payment
Used Cars, Trucks, and Vans Purchase or Refinance 2014 – 2018, The year of the vehicle will determine the term of the loan 24-48 months 48 months 4.89%* $23.00 Monthly Payment
Used Cars, Trucks, and Vans Purchase or Refinance 2009 – 2013, The year of the vehicle will determine the term of the loan 24-36 months 36 months 6.89%* $31.00 Monthly Payment
New and Used Cars, Trucks, and Vans Purchase or Refinance 2018 – 2019, The year of the vehicle will determine the term of the loan 24-72 months 72 months 3.89%* $16.00 Monthly Payment

*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed are for automatic payments from checking accounts. Rates and promotional terms subject to change and may be discontinued without notice. **APR=Annual Percentage Rate

Personal Loans

Type Terms & Conditions Term APR*
Signature (Unsecured) Up to 36 months 12.75%
Certificate Secured 2.25% over pledged Savings instrument Variable
Shared Secured Up to 60 months 3.99%

*APR=Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history.

Home Equity Line of Credit

80% CLTV** 80% CLTV** 90-100% CLTV
Prime > $25,000 Prime + 1.00% < $25,000 Not Available

*Rate is based on credit worthiness and combined loan-to-value (CLTV) and the amount of the initial draw. Thereafter, the APR will vary monthly based on the prime rate (as published in the Wall Street Journal) plus a margin, or 4.0%APR, whichever is higher, with a maximum APR not to exceed 21%. Rates and promotional terms subject to change and may be discontinued without notice. HELOC's have a floor rate of 4.00%. ** Interest Only Payments Allowed.

Visa Card

Type Term APR* as low as
VISA® Platinum Rewards Variable Rate with No Annual Fee Prime + 9.65%
VISA® Platinum Preferred plus Rewards Variable Rate with No Annual Fee Prime + 6.65%

*APR=Annual Percentage Rate. All loan requests are subject to Loan Review Committee and Guidelines. This rate schedule sets forth certain conditions and rates applicable to your accounts at the Credit Union at this time. The Credit Union may offer other rates or amend rates contained in this schedule from time to time. All rates and terms are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. For all variable rate loans, the APR may change after consummation. Additional fees may apply to some loans. Contact the CU for full loan disclosure information specific to your loan.