Rates

  • Vehicle

  • Credit Cards

  • Consumer

  • Home Equity

  • Home Equity LOC

  • Mortgage

  • Savings

  • Certificate

Vehicle Loan Rates 

Term in Months

APR* as low as

Sample Payment Per
$1,000 Borrowed
(based on maximum term)

 
Auto – New
Cars/Trucks/Vans
Terms greater than 60 months require minimum 
loan of $20,000.

Up to 60
61 to 84

1.97%
2.22%

$17.51
$12.86

Auto – Used
Cars/Trucks/Vans
Includes Refinance. Terms greater than 60 months require minimum loan of $20,000.

Up to 60
61 to 72

1.97%
2.22%

$17.51
$14.85

Motorcycle – New
Terms greater than 60 months require minimum loan of $20,000.

Up to 60

4.22%

$18.52

Motorcycle – Used
Includes Refinance. Used subject to NADA Book value. Terms greater than 60 months require minimum loan of $20,000.

Up to 60

4.47%

$18.63

Off-road Vehicle – New
Dirt Bikes/Quads/Mopeds
Up to 80% Financing. Used subject to NADA Book value.

Up to 24

8.40%

$45.42

Boats – New**
Up to 80% Financing. Terms greater than 60 months require minimum loan of $20,000.

Up to 60
61 to 120
121 to 180
181 to 240

5.74%
6.24%
6.74%
7.24%

$19.22
$11.23
$8.85
$7.91

Boats – Used**
Up to 80% Financing. Used subject to NADA Book value. Terms greater than 60 months require minimum loan of $20,000.
Up to 60
61 to 120
121 to 180
180 to 240
6.74%
7.24%
7.74%
8.24%
$19.69
$11.72
$9.42
$8.52

Personal Watercraft – New
Up to 80% Financing.

Up to 24

8.40%

$45.42

Recreational Vehicle – New**
Up to 80% Financing. Terms greater than 60 months require minimum loan of $20,000.

Up to 60
61 to 120
121 to 180

6.74%
7.24%
7.74%

$19.69
$11.72
$9.42

Recreational Vehicle – Used**
Up to 80% Financing. Used subject to NADA Book value.
Up to 60
61 to 120
121 to 180
9.24%
9.74%
10.24%
$20.88
$13.08
$10.90

*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Rates shown above available with Automatic Payment. New auto loans may finance up to 100% of the MSRP or the purchase price, whichever is less, plus sales tax, license, and extended auto warranty. Used auto loans may finance up to 100% of the NADA Value Guide or the purchase price, whichever is less, plus sales tax, license, and extended warranty. Extended warranty financing maximum is $2,000 on autos and $2,500 on trucks. Extended warranty finance limit on all other vehicles is $2,500. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. The above loan requests are subject to credit approval. One must live, work or worship in Suffolk County, NY to be eligible for membership. Please see a Suffolk Federal representative for additional information, applicable fees and terms.

**In order for a loan to have a repayment term of over 144 months, it 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.

  Interest Rates and Interest Charges

Annual Percentage Rate (APR)
for Purchases

Visa Platinum
0.00% Introductory APR for a period of six (6) billing cycles. After that your APR will be 7.49% to 13.49% based on your creditworthiness. This APR is based on the Prime Rate and will vary with the market.

Visa Platinum  Rewards
9.24% to 15.24% when you open your account, based on your creditworthiness. This APR is based on the Prime Rate and will vary with the market.

Visa Secured
9.49% – This APR is based on the Prime Rate and will vary with the market.

Annual Percentage Rate (APR)
for Balance Transfers

Visa Platinum
0.00% Introductory APR for a period of six (6) billing cycles. After that your APR will be 7.49% to 13.49% based on your creditworthiness. This APR is based on the Prime Rate and will vary with the market.

Visa Platinum Rewards
9.24% to 15.24% when you open your account, based on your creditworthiness. This APR is based on the Prime Rate and will vary with the market.

Visa Secured
9.49% – This APR is based on the Prime Rate and will vary with the market.

Annual Percentage Rate (APR)
for Cash Advances

Visa Platinum
7.49% to 13.49% when you open your account, based on your creditworthiness. This APR is based on the Prime Rate and will vary with the market.

Visa Platinum Rewards
9.24% to 15.24% when you open your account, based on your creditworthiness. This APR is based on the Prime Rate and will vary with the market.

Visa Secured
9.49% – This APR is based on the Prime Rate and will vary with the market.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

  Fees 

Set-up and Maintenance Fees
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee


None

None
None
None
None

Transaction Fees
- Balance Transfer Fee - Visa Platinum
- Balance Transfer Fee - Visa Platinum Rewards
- Balance Transfer Fee - Visa Secured
- Cash Advance Fee
- Foreign Transaction Fee

- Transaction Fee for Purchases


3.0% of the amount of each balance transfer during 1st 6 months
None
None
$5.00 or 3.00% of the amount of each cash advance, whichever is greater
1.00% of each multiple currency transaction in U.S. dollars 0.08% of each single currency transaction in U.S. dollars
None

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee


Up to $35.00
None
Up to $30.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

Visa Platinum – Promotional Period for Introductory APR. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six (6) months following issuance of your card.

Visa Platinum – Loss  of Introductory APR. We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Effective Date. The information about the costs of the card described in this application is accurate as of November 1, 2013.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Additional Disclosures
Late Payment Fee  $25.00 or the amount of the required minimum payment, whichever is less, if you are three (3) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee            $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six (6) billing cycles following the initial violation, you will be charged $30.00 or the amount of the required minimum payment, whicheveris less.
Returned Convenience Check Fee    $25.00 or the amount of the returned convenience check, whichever is less. In the event a payment is returned in the same or in any of the six (6) billing cycles following the initial violation, you will be charged $30.00 or the amount of the returned convenience check, whichever is less.
Statement Copy Fee 
Card Replacement Fee 
Pay-by-Phone Fee        
$5.00 
$5.00
$5.00

Consumer Loan Rates                       

Term in Months

APR* as
low as

Sample Payment Per 
$1,000 Borrowed 
(based on maximum term)

 

Personal Line-of-Credit**
Maximum Line $20,000

 

8.25%

Variable Rate/
Not Applicable 

Personal Loan
Fixed Rate
Maximum $20,000

60

8.40%

$20.47

Share Secured**
Variable

Up to
120

3.00%

Variable Rate/
Not Applicable 

*APR = Annual Percentage Rate. Rates shown above available with Automatic Payment. The above loan requests are subject to credit approval. 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.

**For all variable-rate loans, the APR may change after consummation. The Share Secured loan rate is calculated as the dividend rate plus 3.00%. The minimum payment for the variable line of credit will be 2.00% of the outstanding balance rounded up to the nearest dollar, or $10.00, whichever is greater. For Share Secured loans, the minimum payment will be $25.00. There are no fees associated with the Share Secured loan. Please see an SFCU representative for additional information, applicable fees and terms. Membership in Suffolk Federal requires a Share Savings account with a $5 minimum balance. One must live, work or worship in Suffolk County, NY to be eligible for membership.

Real Estate Loan Rates

Term

APR* as
low as

Sample Payment Per
$1,000 Borrowed
(based on maximum term)

 

Fixed Rate Home Equity

5 Years
10 Years
20 Years

3.95%
4.89%
5.29%

$18.39
$10.55
$6.76

Non-Primary Residence
Fixed Home Equity

5 Years
10 Years
20 Years

6.95%
7.89%
8.29%

$19.78
$12.07
$8.55

Fixed Rate Home Equity
First Lien Position

5 Years
Up to 20 Years

3.95%
4.85%

$18.39
$6.52

*APR = Annual Percentage Rate. Rates reflect automatic payment. Rates and terms are subject to change without notice. Minimum loan amount of $20,000. Applicants who are not approved at these rates may be offered credit at a higher rate. All loans are subject to credit approval and income verification. Available for primary and secondary residences excluding mobile homes, boats, co-ops, homes for sale. Payments do not include taxes or required insurance. Credit Union membership required. One must live, work or worship in Suffolk County, NY to be eligible for membership. Please speak to a Suffolk Federal representative for additional information, applicable fees and terms.

Home Equity Line-of-Credit Variable Rate Plans

APR* as
low as

The 1.99% APR Home Equity Line-of-Credit1
Minimum loan amount of $20,000

1.99%

Home Equity Line-of-Credit2
Minimum loan amount of $20,000

3.25%

Non-Primary Residence Home Equity
Line-of-Credit2
Minimum loan amount of $20,000

6.25%

Green Home Equity Line-of-Credit3
Minimum loan amount of $20,000

4.50%

1. 1.99% Intro APR Home Equity Line-of-Credit
*APR = Annual Percentage Rate. Introductory rate of 1.99% through December 31, 2015. As of January 2016, APR is based on the Prime Rate as published in the Wall Street Journal. The minimum rate is 3.00% APR and the maximum rate is 18.00% APR. The HELOC is a variable rate loan. After January 1, 2016 the APR may change monthly. Making minimum payments only may result in a balloon payment.

2. Home Equity Line-of-Credit
*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. APR is based on the Prime Rate as published in the Wall Street Journal. The minimum rate is 3.00% APR and the maximum rate is 18%. The HELOC is a variable rate loan and the APR may change monthly after consummation. Making minimum payments only may result in a balloon payment.

3. Green Home Equity Line-of-Credit
*APR = Annual Percentage Rate. Rates and terms are accurate as of 3/18/14 and are subject to change without notice. The rate that you are approved for will be fixed for one year. First year will be interest only. After the first year your APR is based on the Prime Rate +0.25% as published in the Wall Street Journal. The minimum rate for the Green HELOC is 4.50% APR after the first year and the maximum rate is 18%. The Green HELOC is a variable rate loan and the APR may change monthly after consummation. Making minimum payments only may result in a balloon payment. Loan proceeds from the Green HELOC are to be used towards home improvements that qualify for federal or state energy efficiency rebates.

1/2/3. Minimum loan amount is $20,000. Maximum loan amount is $417,000. The length of the repayment period will depend on the balance at the time of the last advance you obtain before the draw period ends. Monthly payments required during both the draw and repayment periods. Payment calculation is based on 20 year amortization. Hazard insurance is required. Available on 1–4 family primary or secondary residences, excluding mobile homes, co-ops and homes for sale, under construction or on leased land.  Applicants who are not approved at these rates may be offered credit at a higher rate. All loans are subject to credit approval and income verification. All rates and terms are subject to change without notice.  Please see a Suffolk Federal representative for additional information, applicable fees and terms.

Mortgage Loan Rates 


Click Here to View Our Current Mortgage Rates and/or Apply

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.

Call (631) 924-8000 for quotes on:
Non-Owner Occupied Property Mortgage Loans

Savings Rates 

Dividend
Rate

APY*

 

Share Savings - $5 Minimum Deposit
To Earn Dividend:
$0 - $99.99
$100 - $4,999.99
$5,000+



0.00%
0.10%
0.10%



0.00%
0.10%
0.10%



Holiday Club - $5 Minimum Deposit
To Earn Dividend:
$0 - $99.99
$100 - $4,999.99
$5,000+



0.00%
0.10%
0.15%



0.00%
0.10%
0.15%

Vacation Club - $5 Minimum Deposit
To Earn Dividend:
$0 - $99.99
$100 - $4,999.99
$5,000+



0.00%
0.10%
0.15%



0.00%
0.10%
0.15%




IRA/SEP Account
$0 Minimum Deposit to Earn Dividend


0.10%


0.10%


Advantage Checking
To Earn Dividend:
$0 - $9,999.99
$10,000 Minimum Balance to Earn Dividend



0.00%
0.10%



0.00%
0.10%



Girl Scouts Free Checking****
To Earn Dividend:
$0 - $9,999.99
$10,000 Minimum Balance to Earn Dividend


0.00%
0.10%


0.00%
0.10%



LI2Day Free Checking****
To Earn Dividend:
$0 - $9,999.99
$10,000 Minimum Balance to Earn Dividend


0.00%
0.10%


0.00%
0.10%


Max Money Checking
To Earn Dividend:
$0 - $9,999.99**
$10,000 - $24,999.99**
$25,000 - $49,999.99**
$50,000+**


0.0%
0.10%
0.21%
0.35%


0.0%
0.10%
0.21%
0.35%



Deluxe Business Checking
To Earn Dividend:
$0 - $49,999.99***
$50,000 - $99,999.99
$100,000.00+


0.30%
0.35%
0.40%


0.30%
0.35%
0.40%




Insured Money Market
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 - $999,999.99
$1,000,000+

 

0.10%
0.35%
0.50%
0.50%
0.50%
0.50%
0.50%

 

0.10%
0.35%
0.50%
0.50%
0.50%
0.50%
0.50%


* APY = Annual Percentage Yield. Rates and terms may change after account is opened. Offers may be for a 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 Suffolk Federal representatives. Membership in Suffolk Federal requires a Share Savings account with a $5 minimum balance. One must live, work or worship in Suffolk County, NY to be eligible for membership.

** $20 service fee imposed on balances below $3,000.00.     ***$20 service fee imposed on balances below $5,000.00.

**** LI2Day and Girl Scouts Checking Accounts are additional names of Advantage Checking Accounts. The same rates, fees and terms are applicable.

† $15 service fee imposed on balances below $2,500.00.

Certificate Rates 

Dividend
Rate

APY*

 

Certificate Accounts - $500 Minimum Deposit
Includes Regular, IRA/SEP Certificates
3-Month Certificate
6-Month Certificate
12-Month Certificate
14-Month Certificate
24-Month Certificate
36-Month Certificate
48-Month Certificate
60-Month Certificate



0.30%
0.40%
0.75%
1.01%
1.01%
1.34%
1.49%
1.74%



0.30%
0.40%
0.75%
1.01%
1.01%
1.35%
1.50%
1.75%

*APY = Annual Percentage Yield. Rates and terms are subject to change without notice. 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 Suffolk Federal representatives. Membership in Suffolk Federal requires a Share Savings account with a $5 minimum balance. One must live, work or worship in Suffolk County, NY to be eligible for membership.