Rates effective as of Wednesday, May 14, 2008 Vehicle| Consumer | Certificates | Real Estate | Mortgage | Savings
VEHICLE LOAN RATES
| Auto - New |
Term in Months
|
APR* As Low As
|
|
Cars - Trucks - Vans
Finance over $20,000 for 84 month term
Includes Refinance |
36
60
84
|
4.99%**
5.49%**
6.49%**
|
|
| Auto - Used |
Term in Months
|
APR* As Low As
|
|
Cars - Trucks - Vans
Finance over $20,000 for 84 month term
Includes Refinance |
36
60
84
|
5.24%**
5.74%**
6.74%**
|
|
| Hybrid - New |
Term in Months
|
APR* As Low As
|
|
Finance over $20,000 for 84 month term
Includes Refinance |
36
60
84
|
4.74%**
5.24%**
6.24%**
|
|
| Hybrid - Used |
Term in Months
|
APR* As Low As
|
|
Finance over $20,000 for 84 month term
Includes Refinance |
36
60
84
|
4.99%**
5.49%**
6.49%**
|
|
| Motorcycles - New & Used |
Term in Months
|
APR* As Low As
|
|
Finance up to $20,000 for 36 months
Finance over $20,000 for 60 months |
36
60
|
6.24%**
6.74%**
|
|
| Off-Road Vehicle - New |
Term in Months
|
APR* As Low As
|
|
Dirt Bikes - Quads - Mopeds
Includes Refinance |
24
|
7.49%**
|
|
| Boats - New & Used |
Term in Months
|
APR* As Low As
|
|
100% Financing
Used subject to NADA Book value |
60
120
180
240
|
7.24%***
7.74%***
8.24%***
8.74%***
|
|
| Personal Watercraft - New |
Term in Months
|
APR* As Low As
|
|
| |
24
|
7.49%
|
|
| Recreational Vehicle - New & Used |
Term in Months
|
APR* As Low As
|
|
100% Financing Only
Used subject to NADA Book Value |
60
120
180
|
7.24%
7.74%
8.24%
|
|
|
*APR = Annual Percentage Rate.
**Rate available for loans with Direct Deposit / Payroll Deduction. The above loan requests are subject to credit approval. Loan rates with automatic share transfer payments will be .50% higher than those displayed. Loan rates without Direct Deposit / Payroll Deduction will be 1.00% higher than those displayed. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term.
***In order for a loan to have a 20 year repayment term, purchase must qualify as an Internal Revenue definition of a home; has sleeping, cooking & toilet facilities. (Internal Revenue Publication 936 Home Mortgage Interest Deduction, 2000). Conditions of loans may vary. Rates and conditions are subject to change without notice.
|
Vehicle| Consumer | Certificates | Real Estate | Mortgage | Savings
CONSUMER LOAN RATES
| Suffolk FCU Credit Cards |
|
APR* As Low As
|
|
Rewards American Express
WorldPoints Platinum Plus MasterCard
WorldPoints Platinum Plus Visa |
|
See Details
|
|
| Variable Line of Credit |
Term in Months
|
APR* As Low As
|
|
Overdraft Protection
Maximum Line $20,000 |
|
12.75%
|
|
| Personal Loan |
Term in Months
|
APR* As Low As
|
|
Fixed Rate
Maximum $10,000 |
60
|
13.90%
|
|
| Share Secured |
Term in Months
|
APR*
|
|
| Variable |
120
|
4.40%
|
|
| Help Loan |
Term in Months
|
APR*
|
|
| |
120
|
4.75%
|
|
| Education Assistance Finance |
Term in Months
|
APR*
|
|
Line of Credit (Variable)
Fixed Rate Loan |
Up to 15 Yrs
12
|
Prime + 3.00%**
Prime
|
|
| Student Loans - Federal Stafford |
Term in Months
|
APR*
|
|
Subsidized & Unsubsidized
Federal PLUS |
|
Please call for
rates & details
|
|
|
*APR = Annual Percentage Rate.
**Rate available for loans with Direct Deposit / Payroll Deduction. The above loan requests are subject to credit approval. Loan rates with automatic share transfer payments will be .50% higher than those displayed. Loan rates without Direct Deposit / Payroll Deduction will be 1.00% higher than those displayed. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. Conditions of loans may vary. Rates and conditions are subject to change without notice.
|
Vehicle| Consumer | Certificates | Real Estate | Mortgage | Savings
REAL ESTATE LOAN RATES
|
Fixed Rate Home Equity
|
Term
|
APR* As Low As
|
|
| 80% LTV Maximum |
5 Years
10 Years
20 Years
|
5.99%
6.49%
6.99%
|
|
| No Income Check Fixed Home Equity |
Term
|
APR* As Low As
|
|
| 80% LTV Maximum |
10 Years
20 Years
|
7.99%
9.99%
|
|
| Non-Primary Residence Fixed Home Equity |
Term
|
APR* As Low As
|
|
| 80% LTV Maximum |
10 Years
20 Years
|
7.99%
9.99%
|
|
|
*APR = Annual Percentage Rate. Rates and conditions are subject to change without notice. For every $1,000 borrowed at 5.99% APR for 48 months, the monthly payment will equal $23.50. For additional sample loan payments, use the online loan calculators available or contact the credit union.
New Home Equity loans opened on or after March 5, 2007, may qualify for the lowest advertised rate, if the
member maintains one of the following:
1. Direct Deposit of recurring net income
2. An aggregate share balance of $3,000.00 in any account other than a certificate account.
|
HOME EQUITY LINE-OF-CREDIT LOAN RATES
| Home Equity Line of Credit |
Term
|
APR* As Low As
|
|
Fixed Rate Intro for 6 Months
80% LTV Maximum |
20 Years
|
3.99%
|
|
| No Income Check Home Equity Line of Credit |
Term
|
APR* As Low As
|
|
Fixed Rate Intro for 6 Months
80% LTV Maximum |
20 Years
|
5.99%
|
|
| Non-Primary Residence Home Equity Line of Credit |
Term
|
APR* As Low As
|
|
Fixed Rate Intro for 6 Months
80% LTV Maximum |
20 Years
|
5.99%
|
|
|
*APR = Annual Percentage Rate. Rates and terms are accurate as of 2/4/2008 and are subject to change without notice. The introductory rate is as low as 3.99% is available for the first six months for all approved loans who pay closing costs. The six month introductory rate as low as 3.99% is not available for members who apply for a non-primary resident or no income check Home Equity Line of Credit. For every $1,000 borrowed at 3.99% APR for 48 months, the monthly payment will equal $22.54. For additional sample loan payments, use the online loan calculators available or contact the credit union. If member elects to have the credit union pay for the closing costs, including mortgage tax, the rate on home equity lines including introductory rate will be adjusted to 4.49%. The Credit Union also requires the initial disbursement to be $30,000 and a balance of $25,000 must be outstanding for six months.
The rate after the introductory period can be as low as 1.00% below the Prime Rate for members that elect to pay closing costs. The rate after the introductory period can be as low as .50% below the Prime Rate for members that elect the Credit Union to pay the closing costs. The Prime rate is the rate published in the Wall Street Journal and will be the Prime Rate for 80% loan to appraised value (LTV). Subject to change monthly. Rate not to exceed maximum legal limit for Credit Unions (Currently at 18%). Applicants who are not approved at these rates may be offered credit at a higher rate. Interest expense incurred may be tax deductible, consult a tax advisor regarding the deductibility of interest.
Rate is based on the member having Direct Deposit of recurring net income into the credit union. If Direct Deposit is not available, the member may also be eligible by maintaining a minimum aggregate balance of $3,000 in any account other than a certificate at Suffolk Federal CU for the duration of the loan.
Hazard insurance is required on all real estate loans. Other fees may be applicable in connection with your Home Equity Line of Credit Application. Please see an SFCU representative for additional information, applicable fees and terms.
|
MORTGAGE LOAN RATES
|
Click Here For Our Daily Mortgage Rates.
Fixed Rate Mortgage Loans and Adjustable Rate Mortgages (ARMs)
are available from Suffolk Federal Credit Union.
Rates are for 1 to 4 family principal residences.
Co-ops are now an acceptable property type.
Call 631-924-8000 for quotes on:
Non-Owner Occupied Properties Mortgage Loans
No-Income Check Mortgage Loans
FHA Mortgage Loans
|
Vehicle| Consumer | Certificates | Real Estate | Mortgage | Savings
SAVINGS RATES
| Share Savings $5 Minimum Deposit |
Dividend Rate
|
APY*
|
|
To Earn Dividend:
$100 - $4,999.99
$5,000+ |
1.00%
1.14%
|
1.00%
1.15%
|
|
|
Holiday Club
|
Dividend Rate
|
APY*
|
|
$5 Minimum Deposit to Earn Dividend
$5 - $2,499.99
$2,500+ |
1.00%
1.14%
|
1.00%
1.15%
|
|
| Vacation Club |
Dividend Rate
|
APY*
|
|
$5 Minimum Deposit to Earn Dividend
$5 - $2,499.99
$2,500+ |
1.00%
1.14%
|
1.00%
1.15%
|
|
| IRA/SEP Account |
Dividend Rate
|
APY*
|
|
| $50 Minimum Deposit to Earn Dividend |
1.49%
|
1.50%
|
|
| Advantage Checking |
Dividend Rate
|
APY*
|
|
| $3,000 Minimum Deposit to Earn Dividend |
.25%
|
.25%
|
|
| High Yield Checking |
Dividend Rate
|
APY*
|
|
To Earn Dividend:
$0 - $9,999**
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000+ |
0.25%
1.00%
1.49%
2.47%
|
0.25%
1.00%
1.50%
2.50%
|
|
| Insured Money Market |
Dividend Rate
|
APY*
|
|
|
To Earn Dividend:
$2,500 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
$250,000 - $499,999.99
$500,000+
|
1.49%
2.24%
2.72%
3.21%
3.45%
3.68%
|
1.50%
2.25%
2.75%
3.25%
3.50%
3.75%
|
|
|
*APY = Annual Percentage Yield. Rates may change after account is opened. Offers may be for limited time only. The annual percentage yield is indicated as of the last dividend declaration date. Fees could reduce the earnings on the account. Penalties may be imposed for early withdrawals. For more information, please contact one of our CU Representatives. **$20 service fee imposed on balances below $3,000.00.
|
Vehicle| Consumer | Certificates | Real Estate | Mortgage | Savings
CERTIFICATE RATES
| Special Offer Certificate Accounts |
Dividend Rate
|
APY*
|
|
|
3 Month Certificate $500 Minimum Deposit
5 Month Certificate $500 Minimum Deposit
7 Month Certificate $500 Minimum Deposit
8 Month Certificate $500 Minimum Deposit
11 Month Certificate $500 Minimum Deposit
|
2.72%
2.72%
2.77%
2.77%
3.01%
|
2.75%
2.75%
2.80%
2.80%
3.05%
|
|
Certificate Accounts - $500 Minimum Deposit
Includes Regular, IRA/SEP Certificates |
Dividend Rate
|
APY*
|
|
6 Month Certificate
9 Month Certificate
12 Month Certificate
18 Month Certificate
24 Month Certificate
36 Month Certificate
48 Month Certificate
60 Month Certificate |
2.77%
2.82%
2.96%
3.21%
3.45%
3.68%
3.93%
4.17%
|
2.80%
2.85%
3.00%
3.25%
3.50%
3.75%
4.00%
4.25%
|
|
| Premium Certificate Accounts - $25,000 Minimum Deposit |
Dividend Rate
|
APY*
|
|
6 Month Premium Certificate
12 Month Premium Certificate
18 Month Premium Certificate |
2.86%
3.06%
3.30%
|
2.90%
3.10%
3.35%
|
|
|
APY = Annual Percentage Yield. Offers may be for limited time only. The annual percentage yield is indicated as of the last dividend declaration date. Fees could reduce the earnings on the account. Penalties may be imposed for early withdrawals. For more information, please contact one of our CU Representatives.
|
|
