SFCU Rates

July 1, 2008 Rates


Account DescriptionsDividend RateAnnual Percentage Yield (APY)
The above rates are as of the last SFCU dividend declaration date.
Business Share (Savings) Account
The Savings Account is one of the basic financial business services the Credit Union offers. A minimum balance of $50.00 earns dividends and maintaining a $100 balance throughout the month will avoid a $4 service charge.
 $50.00 and over 1.00% 1.005%
Business MMA (Money Management Account)
With the Business Money Management Account (BMMA), your business will earn higher yields with higher deposits. Three free checks per month, each additional check cleared is $5.00. The BMMA is a safe investment that keeps your money liquid.
 Rates located below
Business Premier Market Savings Account (BPMSA)
Make your money work for you, deposit into the Business Premier Market Savings Account (BPMSA). The minimum balance is $25,000. The maximum balance is $2,500,000. Withdraw funds as often as you like without penalty. Balances under $25,000 will revert to the current Business Share Account rate. SFCU promotional or rate bonus programs do not apply to the PMSA.
 Rates located below
Business Share Certificates
Share Certificates are available at very competitive market rates. Higher deposits and longer terms earn higher dividends.
 Rates located below
e-Business Checking
A unique business checking account that rewards business members for their exclusive use of SFCU's electronic banking services. Minimum to open is $100. Below minimum fee is $7.50 per month if balance falls below $2,500. This account allows up to 50 checks per month to clear electronically free of charge, each additional check is $0.25.
 N/A N/A
Business Checking
Minimum to open is $100. Below minimum fee is $10 if the balance falls below $5,000. This account allows up to 50 checks per month to clear free of charge, each additional check is $0.25. With this account members may transact business in the branch or by call center up to 20 times per month free of charge, each additional visit is $2.50.
 N/A N/A
Business Plus Checking
Minimum to open is $100. Below minimum fee is $12.50 if balance falls below $7,500. This account allows up to 100 checks per month to clear free of charge, each additional check is $0.25. Business Plus members may transact business in the branch or by call center up to 25 times per month free of charge, each additional visit is $2.50.
 N/A N/A
Business Analysis
Minimum to open is $100. This account does have an earning credit and additional fees. Please see the Business Connect Fee Schedule for details.
 N/A N/A


Business Money Management Account Rates
Account BalanceDividend RateAnnual Percentage Yield
The above rates are as of the last SFCU dividend declaration date.
$50 - $2,499 0.000% 0.000%
$2,500 - $9,999 2.950% 2.990% APY
$10,000 - $24,999 3.000% 3.042% APY
$25,000 - $49,999 3.050% 3.093% APY
$50,000 and over 3.100% 3.144% APY


Business Premier Market Savings Account (BPMSA)

Account BalanceDividend RateAnnual Percentage Yield
$100 - $24,999 1.000% 1.005% APY
$25,000 and over 3.150% 3.196% APY


Business Share Certificates
(Rates are subject to change weekly. If changed, new rates are normally published on Thursday mornings.)
Term$1,000-$9,999$10,000-$24,999$25,000-$49,999$50,000-$99,999>$100,000
Dividend RateAnnual % YieldDividend RateAnnual % YieldDividend RateAnnual % YieldDividend RateAnnual % YieldDividend RateAnnual % Yield
3 months 2.550% 2.580% 2.600% 2.631% 2.600% 2.631% 2.650% 2.682% 2.700% 2.734%
6 months 2.600% 2.631% 2.650% 2.682% 2.700% 2.734% 2.750% 2.785% 2.800% 2.836%
Liquid 7 months NA NA 3.100% 3.144% 3.100% 3.144% 3.100% 3.144% 3.100% 3.144%
12 months 2.650% 2.682% 2.700% 2.734% 2.750% 2.785% 2.800% 2.836% 2.850% 2.888%
18 months 2.700% 2.734% 2.750% 2.785% 2.800% 2.836% 2.850% 2.888% 2.900% 2.939%
24 months 2.750% 2.785% 2.800% 2.836% 2.850% 2.888% 2.900% 2.939% 2.950% 2.990%
36 months 3.400% 3.453% 3.450% 3.505% 3.500% 3.557% 3.550% 3.608% 3.600% 3.660%
48 months 3.450% 3.505% 3.500% 3.557% 3.550% 3.608% 3.600% 3.660% 3.650% 3.712%
60 months 3.500% 3.557% 3.550% 3.608% 3.600% 3.660% 3.650% 3.712% 3.700% 3.763%
Step Up 25 months 2.450% 2.478% 2.550% 2.580% 2.550% 2.580% 2.600% 2.631% 2.650% 2.682%


Menu of Business Loans
Loan TypeAnnual Percentage Rate for PurchasesRepayment Term

For up-to-date Rates and Terms, refer to Mortgage Mart at www.sfcu.org

Also Available:

  • 1st Mortgages
  • Second Trust Deeds

 
Business Corporate Visa                    Prime + 4% Revolving
Business Lines of Credit/Working Capital Lines Contact SFCU for Rates and Terms
Business Loans Secured by Furniture, Fixtures & Equipment
Business Loans Secured by Residential, Rental Property or Commercial Real Estate
Business Loans for Vehicles
Home Equity Line N/A 10 yr. draw; 5 yr payback
NCUA Equal Housing Lender Co-Op Network Allpoint Network
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