Current Rates

web page last updated: Wednesday, April 10, 2013 05:59 PM

Regular Savings (Regular Share Account)		Dividend Rate	APY		Minimum
		.05%	.05%		$100

Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of directors. A complete description of these accounts is available upon request, and will be provided at account opening.


CDs (Share Certificate)		Dividend Rate	APY		Minimum
	91 Days	0.09%	0.09%		$2500
	182 Days	0.15%	0.15%		$2500
	1 Year#	0.25%	0.25%		$1000
	18 Months#	0.30%	0.30%		$1000
	2 Years#	0.48%	0.48%		$1000
	*30 Months#**	0.50%	0.50%		$500
	*3 Years#**	0.75%	0.75%		$500

* Minimums for children under 18 = $100.00 for 3 year and 30 months
# .10% less on Share Certificates that receive a dividend check
Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of directors. A complete description of these accounts is available upon request, and will be provided at account opening.


IRAs		Dividend Rate	APY		Minimum
	91 Days	0.09%	0.09%		$2500
	182 Days	0.15%	0.15%		$2500
	1 Year#	0.25%	0.25%		$1000
	18 Months#	0.30%	0.30%		$1000
	2 Years#	0.48%	0.48%		$1000
	*30 Months#**	0.50%	0.50%		$500
	*3 Years#**	0.75%	0.75%		$500
	4 Years#	1.75%	1.76%		$100
* Minimums for children under 18 = $100.00 for 3 year and 30 months
# .10% less on Share Certificates that receive a dividend check
Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of directors. A complete description of these accounts is available upon request, and will be provided at account opening.


Vehicles		Term/Length	APR with approved credit qualify for a rate as low as
2008 thru 2013	Vehicles, boats, motorcycles and campers	up to 36 months	2.00%

2008 thru 2013	Vehicles, boats, motorcycles and campers	up to 48 months	2.50%

2008 thru 2013	Vehicles, boats, motorcycles and campers	up to 60 months	3.00%

2005 thru 2007	Vehicles, boats, motorcycles and campers	up to 36 months	4.00%

2005 thru 2007	Vehicles, boats, motorcycles and campers	up to 48 months	4.50%

2004 & Older	Vehicles, boats, motorcycles and campers	up to 36 months	5.50%

2008 & Newer	Personal watercraft, snowmobiles and ATVs	up to 36 months	5.50%

2008 & Newer	Personal watercraft, snowmobiles and ATVs	up to 48 months	6.00%

2008 & Newer	Personal watercraft, snowmobiles and ATVs	up to 60 months	6.50%

2007 & Older	Personal watercraft, snowmobiles and ATVs	up to 36 months	8.25%
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


Credit Card		Term/Length	APR (fixed)
			10.25%
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


Home Improvement Loans		Term/Length	APR (fixed)
	$25,000 Maximum	up to 60 months	call or email us for current rates
	$25,000 Maximum	61 - 120 months	call or email us for current rates
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


Mortgage		Term/Length		APR (fixed)
	Home Mortgage	up to 30 years		call or email us for current rates
Annual Percentage Rates are subject to change daily as determined by CU Mortgage Direct.


Furniture and Appliances		Term/Length	APR (fixed)
	Furniture and appliances	up to 24 months	9.50%
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


Shared Secured		APR
	Shared Secured	5.00%
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


CD Secured		APR (minimum)
	2% above CD percentage	5.00%
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


Signature		APR
	Signature Loans	12.50%
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


Rescue Net		APR
	Signature Loans	13.00%
Annual Percentage Rates are subject to change monthly as determined by the Credit Union Board of directors


Services Center Federal Credit Union Mail: PO BOX 704 Yankton, SD 57078 Phone: (605) 665-4309 Fax: (605) 665-4314 email		This Credit Union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. page last updated: 04/10/2013 ©Copyright 2013 Services Center Federal Credit Union